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49347 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 49347 zip code find a great new policy that offers the coverage they need at a price they can afford.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 49347 and start shopping.

Quickly and Easily Compare Average Rates for 49347

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Trufant, MI home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 49347

Homeowners in Trufant are paying roughly $777 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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49347 Home Insurance Average Premiums

Local 49347 homeowners insurance quotes comparison

$527 /yr.

Shows Zip Code: 49347 lowest rates with discounts applied on average.

For the 49347, 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)
$527 /yr.
Average Coverage:$777 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1077 /yr.

What is the average home insurance cost for a home in 49347?

  • • The average homeowners insurance premium paid annually for a home in 49347 is around $777 per year.

What does it cost on average per month for home insurance in 49347?

  • • Homeowners in 49347 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 49347?

  • • Autoowners in 49347 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 Trufant area, check out other zip codes nearby 49347.
Review average rates in another zip code:
49347 homeowners insurance rates

Home Replacement Cost Coverage in 49347

Average Building Cost Per Square Foot in 49347: $132

Location: Trufant, Michigan (Montcalm County)

Average Square Footage in 49347: 863 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49347 before you start any project. Trufant 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 49347 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 49347 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 863 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 Trufant 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$132863$113,900
Additional Upgrades & Added Features$165863$142,375
Major Home Updates or Advancements$198863$170,850

It's important to understand that when you estimate your replacement cost of your home in the 49347 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 49347

Best Home & Auto Insurance Agencies in 49347

Housing Demographics for 49347

Population Review for 49347 Zip Code

For the city of Trufant, the population within 49347 has increased to over 1,577 residents in population size. The current population total is 1,317. We have broken down the population based on race below. In 49347, there are over 684 in male population and 633 females.

PopulationValues
Total Population1,317
White Population1232
Black Population3
Hispanic Population27
Asian Population3
Hawaiian Population2
Indian Population2
Other Population11
Male Population684
Female Population633
Population Estimate1577

Household Data for 49347

The average number of homes in 49347 is around 494, there are an average of 2.67 per household. The average house value according to local real estate values is around $113,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode494
Persons Per Household2.67
Average House Value$113,900
Income Per Household$69821
Median Age48.0
Median Age Male48.0
Median Age Female48.0
49347 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616
CityTrufant
City Alias NameTRUFANT
CountyMontcalm
County FIPS117
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA266
CBSA24340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Rapids-Wyoming-Kentwood, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses13
Number Of Employees53
Business First Quarter Payroll211
Business Annual Payroll1255
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
Congressional LandArea3281.19
Delivery Residential591
Delivery Business3
Delivery Total706
Preferred Last Line KeyY12992
Classification Code
Multi-CountyY
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY12992
Land Area17.748000
Water Area0.795000
City Alias Code
City Mixed CaseTrufant
City Alias Mixed CaseTrufant
Box Count50
SFDU591
MFDU0
State ANSI26
County ANSI117
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number259390
Unique ZIP Name
SSA State County Code23580
Medicare CBSA Code24340
Medicare CBSA NameGrand Rapids-Kentwood, MI
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseMontcalm

Michigan Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]