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Homeowners Insurance coverage in 49309
If you are a homeowner in 49309 or Bitely, MI you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Bitely.
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What is the Average Home Insurance Rates in 49309?
Residents of Bitely have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Michigan? While Michigan is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Michigan comes in at 36 in the country for homeowners insurance premiums.
If you are living in 49309 zipcode, expect to pay around $731 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.
Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Bitely does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.
Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.
49309 Home Insurance Average Premiums
$481 /yr.
Shows Zip Code: 49309 lowest rates with discounts applied on average.
For the 49309, 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) | $481 /yr. |
| Average Coverage: | $731 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1031 /yr. |
What is the average home insurance cost for a home in 49309?
- • The average homeowners insurance premium paid annually for a home in 49309 is around $731 per year.
What does it cost on average per month for home insurance in 49309?
- • Homeowners in 49309 pay a monthly average cost per month around $61.00.
What kind of discount could I get if I combine my home and auto insurance together in 49309?
- • Autoowners in 49309 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 Bitely area, check out other zip codes nearby 49309.
Review average rates in another zip code:
49309 homeowners insurance rates
Home Replacement Cost Coverage in 49309
Average Building Cost Per Square Foot in 49309: $132
Location: Bitely, Michigan (Newaygo County)Average Square Footage in 49309: 750 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49309 before you start any project. Bitely 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 49309 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 49309 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 750 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 Bitely 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 | 750 | $99,000 |
| Additional Upgrades & Added Features | $165 | 750 | $123,750 |
| Major Home Updates or Advancements | $198 | 750 | $148,500 |
It's important to understand that when you estimate your replacement cost of your home in the 49309 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 49309
Best Home & Auto Insurance Agencies in 49309
Housing Demographics for 49309
Population Review for 49309 Zip Code
For the city of Bitely, the population within 49309 has increased to over 2,339 residents in population size. The current population total is 1,839. We have broken down the population based on race below. In 49309, there are over 938 in male population and 901 females.
| Population | Values |
|---|---|
| Total Population | 1,839 |
| White Population | 1582 |
| Black Population | 90 |
| Hispanic Population | 58 |
| Asian Population | 5 |
| Hawaiian Population | 0 |
| Indian Population | 17 |
| Other Population | 25 |
| Male Population | 938 |
| Female Population | 901 |
| Population Estimate | 2339 |
Household Data for 49309
The average number of homes in 49309 is around 848, there are an average of 2.16 per household. The average house value according to local real estate values is around $99,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 848 |
| Persons Per Household | 2.16 |
| Average House Value | $99,000 |
| Income Per Household | $38542 |
| Median Age | 53.6 |
| Median Age Male | 54.9 |
| Median Age Female | 52.8 |
| 49309 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 231 |
| City | Bitely |
| City Alias Name | BITELY |
| County | Newaygo |
| County FIPS | 123 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 15 |
| Number Of Employees | 80 |
| Business First Quarter Payroll | 866 |
| Business Annual Payroll | 4070 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 3281.19 |
| Delivery Residential | 1083 |
| Delivery Business | 17 |
| Delivery Total | 2669 |
| Preferred Last Line Key | Y11456 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y11456 |
| Land Area | 127.426000 |
| Water Area | 2.070000 |
| City Alias Code | |
| City Mixed Case | Bitely |
| City Alias Mixed Case | Bitely |
| Box Count | 43 |
| SFDU | 1083 |
| MFDU | 0 |
| State ANSI | 26 |
| County ANSI | 123 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 250990 |
| Unique ZIP Name | |
| SSA State County Code | 23610 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 12 |
| County Mixed Case | Newaygo |
Michigan Homeowners Insurance News & Information
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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 […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]
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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 […]