Get multiple home insurance quotes in 49301. Our licensed 49301, MI agents are ready to serve you.

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 RateDiscountsSavingsShop Rates
$1,002up to 40% off$401

49301 Home Insurance Average Premiums

Local 49301 homeowners insurance quotes comparison

$449 /yr.

Shows Zip Code: 49301 lowest rates with discounts applied on average.

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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1323,107$410,100
Additional Upgrades & Added Features$1653,107$512,625
Major Home Updates or Advancements$1983,107$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 49301
Phone:
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 49301
Phone:
Website:
Info:

Ortez- Paul T - State Farm Insurance Agent

Address: 545 Ada Drive Southeast Ste 102 Forest Hills, MI 49301
Phone:
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.

PopulationValues
Total Population20,665
White Population18156
Black Population193
Hispanic Population607
Asian Population940
Hawaiian Population2
Indian Population32
Other Population149
Male Population10274
Female Population10391
Population Estimate21801

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 DataValues
Households Per Zipcode6,847
Persons Per Household3.02
Average House Value$410,100
Income Per Household$149356
Median Age40.2
Median Age Male39.5
Median Age Female40.7
49301 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616
CityAda
City Alias NameADA
CountyKent
County FIPS081
State FIPS26
Time Zone5
Day Light SavingY
MSA3000
PMSA
CSA266
CBSA24340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Rapids-Wyoming-Kentwood, MI
MSA_NameGrand Rapids-Muskegon-Holland, MI MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses489
Number Of Employees3220
Business First Quarter Payroll45035
Business Annual Payroll202046
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population774160
CBSA Division Population0
Congressional District02|03
Congressional LandArea3281.19|2628.74
Delivery Residential7219
Delivery Business279
Delivery Total7921
Preferred Last Line KeyY11315
Classification Code
Multi-County
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY11315
Land Area56.828000
Water Area1.214000
City Alias Code
City Mixed CaseAda
City Alias Mixed CaseAda
Box Count203
SFDU6751
MFDU209
State ANSI26
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number250010
Unique ZIP Name
SSA State County Code23400
Medicare CBSA Code24340
Medicare CBSA NameGrand Rapids-Kentwood, MI
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseKent

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 […]