Compare 49431 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Ludington just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 7,386 neighbors looking to save on their home insurance policy in the local 49431 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 49431. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Michigan rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Ludington, MI home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Ludington, MI

Average Building Cost Per Square Foot in 49431: $132

Average Square Footage in 49431: 1,288 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49431 before you start any project. Ludington 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 49431 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 49431 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,288 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 Ludington 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.

It's important to understand that when you estimate your replacement cost of your home in the 49431 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.

Gretzinger- Richard E

Allstate Insurance Companies

Household Data for 49431

The average number of homes in 49431 is around 7,386, there are an average of 2.27 per household. The average house value according to local real estate values is around $170,000. Please review the following demographics below for average income and media age.

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