Compare quotes for your home in 49301! Compare the best 12 carriers in minutes.
Compare 49301 Home Insurance Rates
Are you looking to easily compare home insurance prices online for your home in the 49301 area? The average homeowners premium in Michigan for a standard homeowners policy is around $699/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 49301 zip code, the population size is around 20,665 with 6,847 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 49301.
Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Ada, MI Homeowners Insurance. Compare companies, quotes, coverages and more.
Avg. MI Rate | Discounts | Savings | Shop Rates |
---|---|---|---|
$1,002 | up to 40% off | $401 |
49301 Home Insurance Average Premiums
For the 49301, 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) | $449 /yr. |
Average Coverage: | $699 /yr. |
2600 sq. ft. or higher (all discounts applied) | $999 /yr. |
What is the average home insurance cost for a home in 49301?
- • The average homeowners insurance premium paid annually for a home in 49301 is around $699 per year.
What does it cost on average per month for home insurance in 49301?
- • Homeowners in 49301 pay a monthly average cost per month around $58.00.
What kind of discount could I get if I combine my home and auto insurance together in 49301?
- • Autoowners in 49301 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 Ada area, check out other zip codes nearby 49301.
Review average rates in another zip code:
49301 homeowners insurance rates
Home Replacement Cost Coverage in 49301
Average Building Cost Per Square Foot in 49301: $132
Location: Ada, Michigan (Kent County)Average Square Footage in 49301: 3,107 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49301 before you start any project. Ada 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 49301 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 49301 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,107 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 Ada 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 | 3,107 | $410,100 |
Additional Upgrades & Added Features | $165 | 3,107 | $512,625 |
Major Home Updates or Advancements | $198 | 3,107 | $615,150 |
It's important to understand that when you estimate your replacement cost of your home in the 49301 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 49301
Best Home & Auto Insurance Agencies in 49301
Nationwide Insurance
Address: 4670 Fulton St E, Ste 202 Ada, MI 49301Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
Start saving on car insurance today when you get a free online auto insurance quote or call (888)890-4630. Enjoy the ease of working with Nationwide for your auto insurance needs and our competitive auto insurance rates. car insurance, auto insurance, online auto insurance, auto insurance rates, car insurance quote
Ortez- Paul T
Address: 545 Ada Dr Se Ste 102 Forest Hills, MI 49301Phone:
Website:
Info:
Ortez- Paul T - State Farm Insurance Agent
Address: 545 Ada Drive Southeast Ste 102 Forest Hills, MI 49301Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Housing Demographics for 49301
Population Review for 49301 Zip Code
For the city of Ada, the population within 49301 has increased to over 21,801 residents in population size. The current population total is 20,665. We have broken down the population based on race below. In 49301, there are over 10274 in male population and 10391 females.
Population | Values |
---|---|
Total Population | 20,665 |
White Population | 18156 |
Black Population | 193 |
Hispanic Population | 607 |
Asian Population | 940 |
Hawaiian Population | 2 |
Indian Population | 32 |
Other Population | 149 |
Male Population | 10274 |
Female Population | 10391 |
Population Estimate | 21801 |
Household Data for 49301
The average number of homes in 49301 is around 6,847, there are an average of 3.02 per household. The average house value according to local real estate values is around $410,100. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 6,847 |
Persons Per Household | 3.02 |
Average House Value | $410,100 |
Income Per Household | $149356 |
Median Age | 40.2 |
Median Age Male | 39.5 |
Median Age Female | 40.7 |
49301 Details | Values |
---|---|
State | MI |
State Full Name | Michigan |
City Type | P |
City Alias Abbreviation | |
Area Code | 616 |
City | Ada |
City Alias Name | ADA |
County | Kent |
County FIPS | 081 |
State FIPS | 26 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | 3000 |
PMSA | |
CSA | 266 |
CBSA | 24340 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Grand Rapids-Wyoming-Kentwood, MI |
MSA_Name | Grand Rapids-Muskegon-Holland, MI MSA |
PMSA_Name | |
Region | Midwest |
Division | East North Central |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 489 |
Number Of Employees | 3220 |
Business First Quarter Payroll | 45035 |
Business Annual Payroll | 202046 |
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 | 774160 |
CBSA Division Population | 0 |
Congressional District | 02|03 |
Congressional LandArea | 3281.19|2628.74 |
Delivery Residential | 7219 |
Delivery Business | 279 |
Delivery Total | 7921 |
Preferred Last Line Key | Y11315 |
Classification Code | |
Multi-County | |
CSA Name | Grand Rapids-Wyoming, MI |
CBSA_DIV_Name | |
City State Key | Y11315 |
Land Area | 56.828000 |
Water Area | 1.214000 |
City Alias Code | |
City Mixed Case | Ada |
City Alias Mixed Case | Ada |
Box Count | 203 |
SFDU | 6751 |
MFDU | 209 |
State ANSI | 26 |
County ANSI | 081 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | N |
Carrier Route Rate Sortation | D |
Finance Number | 250010 |
Unique ZIP Name | |
SSA State County Code | 23400 |
Medicare CBSA Code | 24340 |
Medicare CBSA Name | Grand Rapids-Kentwood, MI |
Medicare CBSA Type | Metro |
Market Rating Area ID | 12 |
County Mixed Case | Kent |
Michigan Homeowners Insurance News & Information
-
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 […]
-
What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
-
$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]