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49302 Home Insurance Rates & Premiums

Did you know there are over 8,845 people living within the 49302 zip code area? There are over 3,025 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 49302.

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 $683 a year for a standard homeowners insurance policy in Alto. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Alto, MI Homeowners Insurance Quotes Online

49302 Home Insurance Average Premiums

Local 49302 homeowners insurance quotes comparison

$433 /yr.

Shows Zip Code: 49302 lowest rates with discounts applied on average.

For the 49302, 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)
$433 /yr.
Average Coverage:$683 /yr.
2600 sq. ft. or higher
(all discounts applied)
$983 /yr.

What is the average home insurance cost for a home in 49302?

  • • The average homeowners insurance premium paid annually for a home in 49302 is around $683 per year.

What does it cost on average per month for home insurance in 49302?

  • • Homeowners in 49302 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 49302?

  • • Autoowners in 49302 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 Alto area, check out other zip codes nearby 49302.
Review average rates in another zip code:
49302 homeowners insurance rates

Home Replacement Cost Coverage in 49302

Average Building Cost Per Square Foot in 49302: $132

Location: Alto, Michigan (Kent County)

Average Square Footage in 49302: 2,277 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49302 before you start any project. Alto 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 49302 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 49302 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,277 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 Alto 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$1322,277$300,600
Additional Upgrades & Added Features$1652,277$375,750
Major Home Updates or Advancements$1982,277$450,900

It's important to understand that when you estimate your replacement cost of your home in the 49302 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 49302

Best Home & Auto Insurance Agencies in 49302

Housing Demographics for 49302

Population Review for 49302 Zip Code

For the city of Alto, the population within 49302 has increased to over 8,983 residents in population size. The current population total is 8,845. We have broken down the population based on race below. In 49302, there are over 4484 in male population and 4361 females.

PopulationValues
Total Population8,845
White Population8158
Black Population49
Hispanic Population260
Asian Population91
Hawaiian Population0
Indian Population34
Other Population65
Male Population4484
Female Population4361
Population Estimate8983

Household Data for 49302

The average number of homes in 49302 is around 3,025, there are an average of 2.91 per household. The average house value according to local real estate values is around $300,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,025
Persons Per Household2.91
Average House Value$300,600
Income Per Household$104405
Median Age40.9
Median Age Male40.4
Median Age Female41.3
49302 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616/269
CityAlto
City Alias NameALTO
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 Businesses127
Number Of Employees1045
Business First Quarter Payroll11807
Business Annual Payroll53813
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 Residential3087
Delivery Business52
Delivery Total3514
Preferred Last Line KeyY11345
Classification Code
Multi-CountyY
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY11345
Land Area49.997000
Water Area0.872000
City Alias Code
City Mixed CaseAlto
City Alias Mixed CaseAlto
Box Count67
SFDU2964
MFDU0
State ANSI26
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number250240
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 […]