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Are you paying too much for homeowners insurance in 49321? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Comstock Park, MI that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Michigan licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 49321?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 49321 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 49321 and get ready to save.

3 Easy Ways To Save Money In 49321

These three links will help you explore home insurance quotes in 49321 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 49321 Home Insurance Costs Rated: medium!

The average price for a homeowners insurance policy in Comstock Park is roughly $778. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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49321 Home Insurance Average Premiums

Local 49321 homeowners insurance quotes comparison

$528 /yr.

Shows Zip Code: 49321 lowest rates with discounts applied on average.

For the 49321, 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)
$528 /yr.
Average Coverage:$778 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1078 /yr.

What is the average home insurance cost for a home in 49321?

  • • The average homeowners insurance premium paid annually for a home in 49321 is around $778 per year.

What does it cost on average per month for home insurance in 49321?

  • • Homeowners in 49321 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 49321?

  • • Autoowners in 49321 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 Comstock Park area, check out other zip codes nearby 49321.
Review average rates in another zip code:
49321 homeowners insurance rates

Home Replacement Cost Coverage in 49321

Average Building Cost Per Square Foot in 49321: $132

Location: Comstock Park, Michigan (Kent County)

Average Square Footage in 49321: 1,481 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49321 before you start any project. Comstock Park 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 49321 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 49321 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,481 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 Comstock Park 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$1321,481$195,500
Additional Upgrades & Added Features$1651,481$244,375
Major Home Updates or Advancements$1981,481$293,250

It's important to understand that when you estimate your replacement cost of your home in the 49321 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 49321

J L Schwartz Insurance Agency

Address: 645 Lamoreaux Drive Northwest Comstock Park, MI 49321
Phone: (616)784-7200
Website:

State Farm

Address: 6410 Alpine Avenue Northwest Comstock Park, MI 49321
Phone: (616)784-3344
Website: statefarm.com

Best Home & Auto Insurance Agencies in 49321

Allstate Insurance Companies

Address: 668 10 Mile Rd NE Comstock Park, MI 49321
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

J L Schwartz Insurance Agency

Address: 645 Lamoreaux Dr NW Comstock Park, MI 49321
Phone:
Website:
Info:

DeRegnaucourt- James T - State Farm Insurance Agent

Address: 3655 Alpine Ave NW, #121 Comstock Park, MI 49321
Phone:
Website:
Info:

State Farm

Address: 6410 Alpine Ave NW Comstock Park, MI 49321
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

Huffman- Brian P

Address: 3938 W River Dr NE Comstock Park, MI 49321
Phone:
Website:
Info:

Housing Demographics for 49321

Population Review for 49321 Zip Code

For the city of Comstock Park, the population within 49321 has increased to over 17,526 residents in population size. The current population total is 16,764. We have broken down the population based on race below. In 49321, there are over 8206 in male population and 8558 females.

PopulationValues
Total Population16,764
White Population13169
Black Population1046
Hispanic Population1930
Asian Population232
Hawaiian Population2
Indian Population112
Other Population921
Male Population8206
Female Population8558
Population Estimate17526

Household Data for 49321

The average number of homes in 49321 is around 6,843, there are an average of 2.44 per household. The average house value according to local real estate values is around $195,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,843
Persons Per Household2.44
Average House Value$195,500
Income Per Household$60487
Median Age36.3
Median Age Male35.3
Median Age Female37.3
49321 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616
CityComstock Park
City Alias NameCOMSTOCK PARK
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 Businesses416
Number Of Employees6750
Business First Quarter Payroll71617
Business Annual Payroll319732
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 Residential7183
Delivery Business417
Delivery Total7767
Preferred Last Line KeyY11680
Classification Code
Multi-County
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY11680
Land Area26.331000
Water Area0.575000
City Alias Code
City Mixed CaseComstock Park
City Alias Mixed CaseComstock Park
Box Count110
SFDU4157
MFDU1997
State ANSI26
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number252070
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

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    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 […]