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Home Insurance Rates in 49329
For homeowners shopping online in 49329, our insurance rates are very competitive for homeowners living in Howard City, MI. Many homeowners based out of the great city of Howard City have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 49329, simply click the "Get Multiple Quotes Now" button. Your 49329 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Howard City, MI Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
49329 Home Insurance Rating is: Medium!
If you live in 49329, you can easily save up to 40% off the average home insurance premium of $787 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Howard City can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 49329 today!
49329 Home Insurance Average Premiums
$537 /yr.
Shows Zip Code: 49329 lowest rates with discounts applied on average.
For the 49329, 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) | $537 /yr. |
| Average Coverage: | $787 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1087 /yr. |
What is the average home insurance cost for a home in 49329?
- • The average homeowners insurance premium paid annually for a home in 49329 is around $787 per year.
What does it cost on average per month for home insurance in 49329?
- • Homeowners in 49329 pay a monthly average cost per month around $66.00.
What kind of discount could I get if I combine my home and auto insurance together in 49329?
- • Autoowners in 49329 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 Howard City area, check out other zip codes nearby 49329.
Review average rates in another zip code:
49329 homeowners insurance rates
Home Replacement Cost Coverage in 49329
Average Building Cost Per Square Foot in 49329: $132
Location: Howard City, Michigan (Montcalm County)Average Square Footage in 49329: 1,049 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49329 before you start any project. Howard City 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 49329 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 49329 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,049 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 Howard City 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 | 1,049 | $138,500 |
| Additional Upgrades & Added Features | $165 | 1,049 | $173,125 |
| Major Home Updates or Advancements | $198 | 1,049 | $207,750 |
It's important to understand that when you estimate your replacement cost of your home in the 49329 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 49329
Best Home & Auto Insurance Agencies in 49329
Housing Demographics for 49329
Population Review for 49329 Zip Code
For the city of Howard City, the population within 49329 has increased to over 8,988 residents in population size. The current population total is 8,707. We have broken down the population based on race below. In 49329, there are over 4375 in male population and 4332 females.
| Population | Values |
|---|---|
| Total Population | 8,707 |
| White Population | 8040 |
| Black Population | 54 |
| Hispanic Population | 221 |
| Asian Population | 19 |
| Hawaiian Population | 2 |
| Indian Population | 34 |
| Other Population | 51 |
| Male Population | 4375 |
| Female Population | 4332 |
| Population Estimate | 8988 |
Household Data for 49329
The average number of homes in 49329 is around 3,216, there are an average of 2.70 per household. The average house value according to local real estate values is around $138,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,216 |
| Persons Per Household | 2.70 |
| Average House Value | $138,500 |
| Income Per Household | $62857 |
| Median Age | 38.8 |
| Median Age Male | 38.2 |
| Median Age Female | 39.3 |
| 49329 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 231 |
| City | Howard City |
| City Alias Name | HOWARD CITY |
| County | Montcalm |
| County FIPS | 117 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 266 |
| CBSA | 24340 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Grand Rapids-Wyoming-Kentwood, MI |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 102 |
| Number Of Employees | 812 |
| Business First Quarter Payroll | 6774 |
| Business Annual Payroll | 31445 |
| 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 |
| Congressional LandArea | 3281.19 |
| Delivery Residential | 3329 |
| Delivery Business | 95 |
| Delivery Total | 3936 |
| Preferred Last Line Key | Y12095 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Grand Rapids-Wyoming, MI |
| CBSA_DIV_Name | |
| City State Key | Y12095 |
| Land Area | 78.645000 |
| Water Area | 1.094000 |
| City Alias Code | |
| City Mixed Case | Howard City |
| City Alias Mixed Case | Howard City |
| Box Count | 227 |
| SFDU | 3113 |
| MFDU | 64 |
| State ANSI | 26 |
| County ANSI | 117 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 254530 |
| Unique ZIP Name | |
| SSA State County Code | 23580 |
| Medicare CBSA Code | 24340 |
| Medicare CBSA Name | Grand Rapids-Kentwood, MI |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 12 |
| County Mixed Case | Montcalm |
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 […]