Get multiple home insurance quotes in 49437. Our licensed 49437, MI agents are ready to serve you.

Homeowners Insurance coverage in 49437

If you are a homeowner in 49437 or Montague, 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 Montague.

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 49437.

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

What is the Average Home Insurance Rates in 49437?

Residents of Montague 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 49437 zipcode, expect to pay around $710 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 Montague 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.

49437 Home Insurance Average Premiums

Local 49437 homeowners insurance quotes comparison

$460 /yr.

Shows Zip Code: 49437 lowest rates with discounts applied on average.

For the 49437, 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)
$460 /yr.
Average Coverage:$710 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1010 /yr.

What is the average home insurance cost for a home in 49437?

  • • The average homeowners insurance premium paid annually for a home in 49437 is around $710 per year.

What does it cost on average per month for home insurance in 49437?

  • • Homeowners in 49437 pay a monthly average cost per month around $59.00.

What kind of discount could I get if I combine my home and auto insurance together in 49437?

  • • Autoowners in 49437 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 Montague area, check out other zip codes nearby 49437.
Review average rates in another zip code:
49437 homeowners insurance rates

Home Replacement Cost Coverage in 49437

Average Building Cost Per Square Foot in 49437: $132

Location: Montague, Michigan (Muskegon County)

Average Square Footage in 49437: 1,183 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49437 before you start any project. Montague 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 49437 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 49437 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,183 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 Montague 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$1321,183$156,100
Additional Upgrades & Added Features$1651,183$195,125
Major Home Updates or Advancements$1981,183$234,150

It's important to understand that when you estimate your replacement cost of your home in the 49437 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 49437

Best Home & Auto Insurance Agencies in 49437

Housing Demographics for 49437

Population Review for 49437 Zip Code

For the city of Montague, the population within 49437 has increased to over 7,862 residents in population size. The current population total is 6,928. We have broken down the population based on race below. In 49437, there are over 3460 in male population and 3468 females.

PopulationValues
Total Population6,928
White Population6296
Black Population24
Hispanic Population349
Asian Population18
Hawaiian Population0
Indian Population62
Other Population123
Male Population3460
Female Population3468
Population Estimate7862

Household Data for 49437

The average number of homes in 49437 is around 2,822, there are an average of 2.45 per household. The average house value according to local real estate values is around $156,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,822
Persons Per Household2.45
Average House Value$156,100
Income Per Household$67321
Median Age45.5
Median Age Male44.6
Median Age Female46.8
49437 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityMontague
City Alias NameMONTAGUE
CountyMuskegon
County FIPS121
State FIPS26
Time Zone5
Day Light SavingY
MSA3000
PMSA
CSA266
CBSA34740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMuskegon-Norton Shores, MI
MSA_NameGrand Rapids-Muskegon-Holland, MI MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses110
Number Of Employees1197
Business First Quarter Payroll12586
Business Annual Payroll59591
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population172188
CBSA Division Population0
Congressional District02
Congressional LandArea3281.19
Delivery Residential3209
Delivery Business140
Delivery Total3515
Preferred Last Line KeyY12399
Classification Code
Multi-CountyY
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY12399
Land Area65.577000
Water Area13.555000
City Alias Code
City Mixed CaseMontague
City Alias Mixed CaseMontague
Box Count92
SFDU3059
MFDU114
State ANSI26
County ANSI121
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number256300
Unique ZIP Name
SSA State County Code23600
Medicare CBSA Code34740
Medicare CBSA NameMuskegon, MI
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseMuskegon

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 […]