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Find the lowest Homeowners Insurance Rates in 49349
There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.
If you are shopping for coverage in 49349, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in White Cloud, MI from a list of top tier nationwide insurers.
Our Michigan licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.
It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 49349 will appear in the zip code field and you are ready to go.
It’s Time to Compare Rate Quotes for 49349
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional White Cloud, MI home insurance quotes in your local city and review the most competitive coverages and premiums.
49349 Ratings: medium!
Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.
In addition to gathering the best quotes from 12 major insurance companies in White Cloud we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 49349, homeowners are seeing rates around 725 on average per year.
Let us help you compare home insurance rates right now. Get started shopping for new policy in 49349!
49349 Home Insurance Average Premiums
$475 /yr.
Shows Zip Code: 49349 lowest rates with discounts applied on average.
For the 49349, 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) | $475 /yr. |
| Average Coverage: | $725 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1025 /yr. |
What is the average home insurance cost for a home in 49349?
- • The average homeowners insurance premium paid annually for a home in 49349 is around $725 per year.
What does it cost on average per month for home insurance in 49349?
- • Homeowners in 49349 pay a monthly average cost per month around $60.00.
What kind of discount could I get if I combine my home and auto insurance together in 49349?
- • Autoowners in 49349 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 White Cloud area, check out other zip codes nearby 49349.
Review average rates in another zip code:
49349 homeowners insurance rates
Home Replacement Cost Coverage in 49349
Average Building Cost Per Square Foot in 49349: $132
Location: White Cloud, Michigan (Newaygo County)Average Square Footage in 49349: 806 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49349 before you start any project. White Cloud 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 49349 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 49349 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 806 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 White Cloud 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 | 806 | $106,400 |
| Additional Upgrades & Added Features | $165 | 806 | $133,000 |
| Major Home Updates or Advancements | $198 | 806 | $159,600 |
It's important to understand that when you estimate your replacement cost of your home in the 49349 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 49349
Best Home & Auto Insurance Agencies in 49349
Housing Demographics for 49349
Population Review for 49349 Zip Code
For the city of White Cloud, the population within 49349 has increased to over 8,508 residents in population size. The current population total is 8,361. We have broken down the population based on race below. In 49349, there are over 4387 in male population and 3974 females.
| Population | Values |
|---|---|
| Total Population | 8,361 |
| White Population | 7392 |
| Black Population | 221 |
| Hispanic Population | 285 |
| Asian Population | 36 |
| Hawaiian Population | 8 |
| Indian Population | 67 |
| Other Population | 68 |
| Male Population | 4387 |
| Female Population | 3974 |
| Population Estimate | 8508 |
Household Data for 49349
The average number of homes in 49349 is around 3,204, there are an average of 2.51 per household. The average house value according to local real estate values is around $106,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 3,204 |
| Persons Per Household | 2.51 |
| Average House Value | $106,400 |
| Income Per Household | $47527 |
| Median Age | 44.9 |
| Median Age Male | 43.9 |
| Median Age Female | 45.9 |
| 49349 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 231 |
| City | White Cloud |
| City Alias Name | WHITE CLOUD |
| 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 | 90 |
| Number Of Employees | 814 |
| Business First Quarter Payroll | 6483 |
| Business Annual Payroll | 29768 |
| 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 | 3390 |
| Delivery Business | 63 |
| Delivery Total | 4666 |
| Preferred Last Line Key | Y13099 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y13099 |
| Land Area | 197.143000 |
| Water Area | 5.968000 |
| City Alias Code | |
| City Mixed Case | White Cloud |
| City Alias Mixed Case | White Cloud |
| Box Count | 245 |
| SFDU | 3283 |
| MFDU | 87 |
| State ANSI | 26 |
| County ANSI | 123 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 259862 |
| 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 […]