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Home Insurance Rates in 49115
For homeowners shopping online in 49115, our insurance rates are very competitive for homeowners living in Harbert, MI. Many homeowners based out of the great city of Harbert have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 49115, simply click the "Get Multiple Quotes Now" button. Your 49115 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Harbert, MI Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
49115 Home Insurance Rating is: Medium!
If you live in 49115, you can easily save up to 40% off the average home insurance premium of $770 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Harbert can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 49115 today!
49115 Home Insurance Average Premiums
$520 /yr.
Shows Zip Code: 49115 lowest rates with discounts applied on average.
For the 49115, 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) | $520 /yr. |
| Average Coverage: | $770 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1070 /yr. |
What is the average home insurance cost for a home in 49115?
- • The average homeowners insurance premium paid annually for a home in 49115 is around $770 per year.
What does it cost on average per month for home insurance in 49115?
- • Homeowners in 49115 pay a monthly average cost per month around $64.00.
What kind of discount could I get if I combine my home and auto insurance together in 49115?
- • Autoowners in 49115 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 Harbert area, check out other zip codes nearby 49115.
Review average rates in another zip code:
49115 homeowners insurance rates
Home Replacement Cost Coverage in 49115
Average Building Cost Per Square Foot in 49115: $132
Location: Harbert, Michigan (Berrien County)Average Square Footage in 49115: 2,055 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49115 before you start any project. Harbert 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 49115 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 49115 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,055 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 Harbert 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 | 2,055 | $271,200 |
| Additional Upgrades & Added Features | $165 | 2,055 | $339,000 |
| Major Home Updates or Advancements | $198 | 2,055 | $406,800 |
It's important to understand that when you estimate your replacement cost of your home in the 49115 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 49115
Best Home & Auto Insurance Agencies in 49115
Housing Demographics for 49115
Population Review for 49115 Zip Code
For the city of Harbert, the population within 49115 has increased to over 0 residents in population size. The current population total is 217. We have broken down the population based on race below. In 49115, there are over 99 in male population and 118 females.
| Population | Values |
|---|---|
| Total Population | 217 |
| White Population | 183 |
| Black Population | 3 |
| Hispanic Population | 10 |
| Asian Population | 3 |
| Hawaiian Population | 0 |
| Indian Population | 2 |
| Other Population | 1 |
| Male Population | 99 |
| Female Population | 118 |
| Population Estimate | 0 |
Household Data for 49115
The average number of homes in 49115 is around 155, there are an average of 1.40 per household. The average house value according to local real estate values is around $271,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 155 |
| Persons Per Household | 1.40 |
| Average House Value | $271,200 |
| Income Per Household | $43182 |
| Median Age | 64.1 |
| Median Age Male | 66.1 |
| Median Age Female | 62.7 |
| 49115 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 269 |
| City | Harbert |
| City Alias Name | HARBERT |
| County | Berrien |
| County FIPS | 021 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 0870 |
| PMSA | |
| CSA | 515 |
| CBSA | 35660 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Niles, MI |
| MSA_Name | Benton Harbor, MI MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 16 |
| Number Of Employees | 49 |
| Business First Quarter Payroll | 246 |
| Business Annual Payroll | 1917 |
| 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 | 156813 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 2348.7 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 275 |
| Preferred Last Line Key | Y12032 |
| Classification Code | P |
| Multi-County | |
| CSA Name | South Bend-Elkhart-Mishawaka, IN-MI |
| CBSA_DIV_Name | |
| City State Key | Y12032 |
| Land Area | 0.851000 |
| Water Area | 0.000000 |
| City Alias Code | |
| City Mixed Case | Harbert |
| City Alias Mixed Case | Harbert |
| Box Count | 235 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 26 |
| County ANSI | 021 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 254120 |
| Unique ZIP Name | |
| SSA State County Code | 23100 |
| Medicare CBSA Code | 35660 |
| Medicare CBSA Name | Niles, MI |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 9 |
| County Mixed Case | Berrien |
Michigan Homeowners Insurance News & Information
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The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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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 […]