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49129 Home Insurance Rates & Premiums

Did you know there are over 736 people living within the 49129 zip code area? There are over 327 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 49129.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $714 a year for a standard homeowners insurance policy in Union Pier. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Union Pier, MI Homeowners Insurance Quotes Online

49129 Home Insurance Average Premiums

Local 49129 homeowners insurance quotes comparison

$464 /yr.

Shows Zip Code: 49129 lowest rates with discounts applied on average.

For the 49129, 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)		$464 /yr.
Average Coverage:$714 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1014 /yr.

What is the average home insurance cost for a home in 49129?

  • • The average homeowners insurance premium paid annually for a home in 49129 is around $714 per year.

What does it cost on average per month for home insurance in 49129?

  • • Homeowners in 49129 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 49129?

  • • Autoowners in 49129 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 Union Pier area, check out other zip codes nearby 49129.
Review average rates in another zip code:
49129 homeowners insurance rates

Home Replacement Cost Coverage in 49129

Average Building Cost Per Square Foot in 49129: $132

Location: Union Pier, Michigan (Berrien County)

Average Square Footage in 49129: 3,171 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49129 before you start any project. Union Pier 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 49129 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 49129 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,171 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 Union Pier 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1323,171$418,600
Additional Upgrades & Added Features$1653,171$523,250
Major Home Updates or Advancements$1983,171$627,900

It's important to understand that when you estimate your replacement cost of your home in the 49129 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 49129

Best Home & Auto Insurance Agencies in 49129

Housing Demographics for 49129

Population Review for 49129 Zip Code

For the city of Union Pier, the population within 49129 has increased to over 834 residents in population size. The current population total is 736. We have broken down the population based on race below. In 49129, there are over 363 in male population and 373 females.

PopulationValues
Total Population736
White Population640
Black Population53
Hispanic Population20
Asian Population4
Hawaiian Population0
Indian Population2
Other Population10
Male Population363
Female Population373
Population Estimate834

Household Data for 49129

The average number of homes in 49129 is around 327, there are an average of 2.25 per household. The average house value according to local real estate values is around $418,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode327
Persons Per Household2.25
Average House Value$418,600
Income Per Household$94597
Median Age58.2
Median Age Male56.1
Median Age Female59.0
49129 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code269
CityUnion Pier
City Alias NameUNION PIER
CountyBerrien
County FIPS021
State FIPS26
Time Zone5
Day Light SavingY
MSA0870
PMSA
CSA515
CBSA35660
CBSA_DIV
CBSA_TypeMetro
CBSA_NameNiles, MI
MSA_NameBenton Harbor, MI MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses40
Number Of Employees177
Business First Quarter Payroll1062
Business Annual Payroll6981
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population156813
CBSA Division Population0
Congressional District05
Congressional LandArea2348.7
Delivery Residential371
Delivery Business13
Delivery Total888
Preferred Last Line KeyY13012
Classification Code
Multi-County
CSA NameSouth Bend-Elkhart-Mishawaka, IN-MI
CBSA_DIV_Name
City State KeyY13012
Land Area5.026000
Water Area0.126000
City Alias Code
City Mixed CaseUnion Pier
City Alias Mixed CaseUnion Pier
Box Count272
SFDU345
MFDU26
State ANSI26
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number259490
Unique ZIP Name
SSA State County Code23100
Medicare CBSA Code35660
Medicare CBSA NameNiles, MI
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseBerrien

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 […]

  • 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 […]

  • 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 […]