Get multiple home insurance quotes in 49345. Our licensed 49345, MI agents are ready to serve you.

Homeowners Insurance coverage in 49345

If you are a homeowner in 49345 or Sparta, 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 Sparta.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 49345.

Learn more about our homeowners insurance shopping service by selecting the best Sparta, MI Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 49345?

Residents of Sparta 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 49345 zipcode, expect to pay around $751 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 Sparta 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.

49345 Home Insurance Average Premiums

Local 49345 homeowners insurance quotes comparison

$501 /yr.

Shows Zip Code: 49345 lowest rates with discounts applied on average.

For the 49345, 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)
$501 /yr.
Average Coverage:$751 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1051 /yr.

What is the average home insurance cost for a home in 49345?

  • • The average homeowners insurance premium paid annually for a home in 49345 is around $751 per year.

What does it cost on average per month for home insurance in 49345?

  • • Homeowners in 49345 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 49345?

  • • Autoowners in 49345 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 Sparta area, check out other zip codes nearby 49345.
Review average rates in another zip code:
49345 homeowners insurance rates

Home Replacement Cost Coverage in 49345

Average Building Cost Per Square Foot in 49345: $132

Location: Sparta, Michigan (Kent County)

Average Square Footage in 49345: 1,431 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49345 before you start any project. Sparta 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 49345 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 49345 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,431 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 Sparta 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$1321,431$188,900
Additional Upgrades & Added Features$1651,431$236,125
Major Home Updates or Advancements$1981,431$283,350

It's important to understand that when you estimate your replacement cost of your home in the 49345 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 49345

Best Home & Auto Insurance Agencies in 49345

Lerchen, Chris Agent - State Farm Insurance - Sparta, MI

Address: 470 S State St NW Sparta, MI 49345
Phone:
Website: http://www.chrislerchen.com/
Info:

William Smith - Allstate Agent

Address: 138 E Division St Sparta, MI 49345
Phone:
Website: http://www.allstateagencies.com/068604/Welcome/
Info:

Housing Demographics for 49345

Population Review for 49345 Zip Code

For the city of Sparta, the population within 49345 has increased to over 14,244 residents in population size. The current population total is 13,734. We have broken down the population based on race below. In 49345, there are over 6780 in male population and 6954 females.

PopulationValues
Total Population13,734
White Population12342
Black Population63
Hispanic Population930
Asian Population55
Hawaiian Population1
Indian Population56
Other Population382
Male Population6780
Female Population6954
Population Estimate14244

Household Data for 49345

The average number of homes in 49345 is around 5,176, there are an average of 2.63 per household. The average house value according to local real estate values is around $188,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,176
Persons Per Household2.63
Average House Value$188,900
Income Per Household$77599
Median Age39.2
Median Age Male38.0
Median Age Female40.4
49345 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616
CitySparta
City Alias NameSPARTA
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 Businesses263
Number Of Employees4295
Business First Quarter Payroll48090
Business Annual Payroll204502
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 Residential5416
Delivery Business248
Delivery Total5902
Preferred Last Line KeyY12817
Classification Code
Multi-CountyY
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY12817
Land Area52.177000
Water Area0.804000
City Alias Code
City Mixed CaseSparta
City Alias Mixed CaseSparta
Box Count85
SFDU4425
MFDU308
State ANSI26
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number258860
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 […]