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49093, MI Homeowners Insurance Rates
With a population size of 18,215 and with 7,404 occupied homes in the 49093 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Three Rivers, MI are around $716 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Three Rivers, Michigan. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!
It's important to know that if your Michigan home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Three Rivers, MI.
For Michigan home insurance information, including average Three Rivers home insurance rates, coverage options or the different homeowners insurance types, please select Three Rivers, MI Home Insurance Quotes Now!
49093 Home Insurance Average Premiums
$466 /yr.
Shows Zip Code: 49093 lowest rates with discounts applied on average.
For the 49093, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $466 /yr. |
| Average Coverage: | $716 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1016 /yr. |
What is the average home insurance cost for a home in 49093?
- • The average homeowners insurance premium paid annually for a home in 49093 is around $716 per year.
What does it cost on average per month for home insurance in 49093?
- • Homeowners in 49093 pay a monthly average cost per month around $60.00.
What kind of discount could I get if I combine my home and auto insurance together in 49093?
- • Autoowners in 49093 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Three Rivers area, check out other zip codes nearby 49093.
Review average rates in another zip code:
49093 homeowners insurance rates
Home Replacement Cost Coverage in 49093
Average Building Cost Per Square Foot in 49093: $132
Location: Three Rivers, Michigan (Saint Joseph County)Average Square Footage in 49093: 1,061 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49093 before you start any project. Three Rivers homeowners pay on average around $132 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 49093 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 49093 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,061 sq. ft. and the average cost to rebuild the home in this area is around $132 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Three Rivers area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $132 | 1,061 | $140,000 |
| Additional Upgrades & Added Features | $165 | 1,061 | $175,000 |
| Major Home Updates or Advancements | $198 | 1,061 | $210,000 |
It's important to understand that when you estimate your replacement cost of your home in the 49093 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 49093
Best Home & Auto Insurance Agencies in 49093
Farmers Insurance Group
Address: 60480 Lutz Rd Three Rivers, MI 49093Phone:
Website:
Info:
Charvat- Michael J
Address: 180 E Michigan Ave Three Rivers, MI 49093Phone:
Website:
Info:
Housing Demographics for 49093
Population Review for 49093 Zip Code
For the city of Three Rivers, the population within 49093 has increased to over 20,054 residents in population size. The current population total is 18,215. We have broken down the population based on race below. In 49093, there are over 9028 in male population and 9187 females.
| Population | Values |
|---|---|
| Total Population | 18,215 |
| White Population | 15439 |
| Black Population | 983 |
| Hispanic Population | 850 |
| Asian Population | 170 |
| Hawaiian Population | 4 |
| Indian Population | 71 |
| Other Population | 339 |
| Male Population | 9028 |
| Female Population | 9187 |
| Population Estimate | 20054 |
Household Data for 49093
The average number of homes in 49093 is around 7,404, there are an average of 2.44 per household. The average house value according to local real estate values is around $140,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 7,404 |
| Persons Per Household | 2.44 |
| Average House Value | $140,000 |
| Income Per Household | $56905 |
| Median Age | 40.9 |
| Median Age Male | 39.7 |
| Median Age Female | 42.4 |
| 49093 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 269 |
| City | Three Rivers |
| City Alias Name | THREE RIVERS |
| County | Saint Joseph |
| County FIPS | 149 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 310 |
| CBSA | 44780 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Sturgis, MI |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 380 |
| Number Of Employees | 6229 |
| Business First Quarter Payroll | 93432 |
| Business Annual Payroll | 313527 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 61295 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 2348.7 |
| Delivery Residential | 8219 |
| Delivery Business | 501 |
| Delivery Total | 8935 |
| Preferred Last Line Key | Y12973 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Kalamazoo-Battle Creek-Portage, MI |
| CBSA_DIV_Name | |
| City State Key | Y12973 |
| Land Area | 105.635000 |
| Water Area | 6.701000 |
| City Alias Code | |
| City Mixed Case | Three Rivers |
| City Alias Mixed Case | Three Rivers |
| Box Count | 135 |
| SFDU | 7203 |
| MFDU | 723 |
| State ANSI | 26 |
| County ANSI | 149 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 259250 |
| Unique ZIP Name | |
| SSA State County Code | 23740 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 9 |
| County Mixed Case | Saint Joseph |
Michigan Homeowners Insurance News & Information
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]
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2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]