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Searching for Homeowners Insurance in 49403

If you are a homeowners that lives in 49403 you may be searching for more affordable homeowners insurance in Conklin. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Conklin, MI. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Michigan licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 49403 Home Insurance Rate Quotes Right Now!

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

Check Out 49403 Home Insurance Costs: medium!

In Conklin, homeowners are paying roughly $726 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 49403 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Conklin are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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49403 Home Insurance Average Premiums

Local 49403 homeowners insurance quotes comparison

$476 /yr.

Shows Zip Code: 49403 lowest rates with discounts applied on average.

For the 49403, 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)
$476 /yr.
Average Coverage:$726 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1026 /yr.

What is the average home insurance cost for a home in 49403?

  • • The average homeowners insurance premium paid annually for a home in 49403 is around $726 per year.

What does it cost on average per month for home insurance in 49403?

  • • Homeowners in 49403 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 49403?

  • • Autoowners in 49403 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 Conklin area, check out other zip codes nearby 49403.
Review average rates in another zip code:
49403 homeowners insurance rates

Home Replacement Cost Coverage in 49403

Average Building Cost Per Square Foot in 49403: $132

Location: Conklin, Michigan (Ottawa County)

Average Square Footage in 49403: 1,613 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49403 before you start any project. Conklin 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 49403 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 49403 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,613 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 Conklin 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$1321,613$212,900
Additional Upgrades & Added Features$1651,613$266,125
Major Home Updates or Advancements$1981,613$319,350

It's important to understand that when you estimate your replacement cost of your home in the 49403 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 49403

Best Home & Auto Insurance Agencies in 49403

Housing Demographics for 49403

Population Review for 49403 Zip Code

For the city of Conklin, the population within 49403 has increased to over 2,600 residents in population size. The current population total is 2,491. We have broken down the population based on race below. In 49403, there are over 1339 in male population and 1152 females.

PopulationValues
Total Population2,491
White Population2266
Black Population19
Hispanic Population140
Asian Population10
Hawaiian Population0
Indian Population9
Other Population69
Male Population1339
Female Population1152
Population Estimate2600

Household Data for 49403

The average number of homes in 49403 is around 873, there are an average of 2.83 per household. The average house value according to local real estate values is around $212,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode873
Persons Per Household2.83
Average House Value$212,900
Income Per Household$77500
Median Age43.0
Median Age Male43.4
Median Age Female42.5
49403 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616
CityConklin
City Alias NameCONKLIN
CountyOttawa
County FIPS139
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 Businesses37
Number Of Employees246
Business First Quarter Payroll2313
Business Annual Payroll39257
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 Residential919
Delivery Business28
Delivery Total963
Preferred Last Line KeyY11684
Classification Code
Multi-CountyY
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY11684
Land Area46.831000
Water Area0.330000
City Alias Code
City Mixed CaseConklin
City Alias Mixed CaseConklin
Box Count9
SFDU919
MFDU0
State ANSI26
County ANSI139
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number252090
Unique ZIP Name
SSA State County Code23690
Medicare CBSA Code24340
Medicare CBSA NameGrand Rapids-Kentwood, MI
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseOttawa

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 […]