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49276 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 49276 zip code it's important to know that our rates are very competitive for homeowners living in Riga, MI. Many homeowners based out of your 49276 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 49276 should appear in the zip code field ready to go. For Riga, MI Homeowners Insurance Quotes nearby, we offer the best rates and service.

49276: Average Home Insurance Rates

For homeowners living in the great city of Riga, the average homeowners policy is considered medium in comparison to other states. Michigan premiums are estimated to be around $754 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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49276 Home Insurance Average Premiums

Local 49276 homeowners insurance quotes comparison

$504 /yr.

Shows Zip Code: 49276 lowest rates with discounts applied on average.

For the 49276, 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)		$504 /yr.
Average Coverage:$754 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1054 /yr.

What is the average home insurance cost for a home in 49276?

  • • The average homeowners insurance premium paid annually for a home in 49276 is around $754 per year.

What does it cost on average per month for home insurance in 49276?

  • • Homeowners in 49276 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 49276?

  • • Autoowners in 49276 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 Riga area, check out other zip codes nearby 49276.
Review average rates in another zip code:
49276 homeowners insurance rates

Home Replacement Cost Coverage in 49276

Average Building Cost Per Square Foot in 49276: $132

Location: Riga, Michigan (Lenawee County)

Average Square Footage in 49276: 1,117 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49276 before you start any project. Riga 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 49276 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 49276 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,117 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 Riga 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$1321,117$147,400
Additional Upgrades & Added Features$1651,117$184,250
Major Home Updates or Advancements$1981,117$221,100

It's important to understand that when you estimate your replacement cost of your home in the 49276 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 49276

Best Home & Auto Insurance Agencies in 49276

Housing Demographics for 49276

Population Review for 49276 Zip Code

For the city of Riga, the population within 49276 has increased to over 953 residents in population size. The current population total is 971. We have broken down the population based on race below. In 49276, there are over 483 in male population and 488 females.

PopulationValues
Total Population971
White Population879
Black Population2
Hispanic Population58
Asian Population5
Hawaiian Population0
Indian Population2
Other Population26
Male Population483
Female Population488
Population Estimate953

Household Data for 49276

The average number of homes in 49276 is around 378, there are an average of 2.57 per household. The average house value according to local real estate values is around $147,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode378
Persons Per Household2.57
Average House Value$147,400
Income Per Household$66000
Median Age43.9
Median Age Male44.1
Median Age Female42.7
49276 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code734
CityRiga
City Alias NameRIGA
CountyLenawee
County FIPS091
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA0440
CSA220
CBSA10300
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAdrian, MI
MSA_NameDetroit-Ann Arbor-Flint, MI CMSA
PMSA_NameAnn Arbor, MI PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses11
Number Of Employees42
Business First Quarter Payroll538
Business Annual Payroll2371
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population99892
CBSA Division Population0
Congressional District05
Congressional LandArea2348.7
Delivery Residential371
Delivery Business5
Delivery Total404
Preferred Last Line KeyY12661
Classification Code
Multi-CountyY
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY12661
Land Area22.758000
Water Area0.017000
City Alias Code
City Mixed CaseRiga
City Alias Mixed CaseRiga
Box Count23
SFDU371
MFDU0
State ANSI26
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number258030
Unique ZIP Name
SSA State County Code23450
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseLenawee

Michigan Homeowners Insurance News & Information

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    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 […]