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49441 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 49441 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Muskegon, MI quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 49441.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 49441 and start shopping.

Quickly and Easily Compare Average Rates for 49441

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

Average Policy Rates in 49441

Homeowners in Muskegon are paying roughly $731 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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49441 Home Insurance Average Premiums

Local 49441 homeowners insurance quotes comparison

$481 /yr.

Shows Zip Code: 49441 lowest rates with discounts applied on average.

For the 49441, 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)
$481 /yr.
Average Coverage:$731 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1031 /yr.

What is the average home insurance cost for a home in 49441?

  • • The average homeowners insurance premium paid annually for a home in 49441 is around $731 per year.

What does it cost on average per month for home insurance in 49441?

  • • Homeowners in 49441 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 49441?

  • • Autoowners in 49441 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 Muskegon area, check out other zip codes nearby 49441.
Review average rates in another zip code:
49442 homeowners insurance rates
49445 homeowners insurance rates
49441 homeowners insurance rates
49440 homeowners insurance rates
49444 homeowners insurance rates

Home Replacement Cost Coverage in 49441

Average Building Cost Per Square Foot in 49441: $132

Location: Muskegon, Michigan (Muskegon County)

Average Square Footage in 49441: 1,083 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49441 before you start any project. Muskegon 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 49441 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 49441 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,083 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 Muskegon 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$1321,083$143,000
Additional Upgrades & Added Features$1651,083$178,750
Major Home Updates or Advancements$1981,083$214,500

It's important to understand that when you estimate your replacement cost of your home in the 49441 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 49441

Allstate Insurance Companies - Sales Offices- Muskegon

Address: 4161 Grand Haven Road Muskegon, MI 49441
Phone: (231)798-1099
Website:

Farm Bureau Insurance

Address: 1160 West Sherman Boulevard Muskegon, MI 49441
Phone: (231)759-1400
Website: www.farmbureauinsurance-mi.com

Best Home & Auto Insurance Agencies in 49441

Sepeshy- Jon

Address: 4543 Grand Haven Rd Norton Shores, MI 49441
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Allstate Insurance Companies - Sales Offices- Muskegon

Address: 4161 Grand Haven Rd Muskegon, MI 49441
Phone:
Website:
Info:

Farmers Insurance Group of Companies

Address: 1597 W Sherman Blvd Muskegon, MI 49441
Phone:
Website:
Info:

Farm Bureau Insurance

Address: 857 W Summit Ave Muskegon, MI 49441
Phone:
Website: http://www.farmbureauinsurance-mi.com
Info:

Housing Demographics for 49441

Population Review for 49441 Zip Code

For the city of Muskegon, the population within 49441 has increased to over 37,724 residents in population size. The current population total is 36,886. We have broken down the population based on race below. In 49441, there are over 17753 in male population and 19133 females.

PopulationValues
Total Population36,886
White Population29397
Black Population3594
Hispanic Population2275
Asian Population361
Hawaiian Population7
Indian Population243
Other Population793
Male Population17753
Female Population19133
Population Estimate37724

Household Data for 49441

The average number of homes in 49441 is around 15,949, there are an average of 2.28 per household. The average house value according to local real estate values is around $143,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,949
Persons Per Household2.28
Average House Value$143,000
Income Per Household$58536
Median Age42.4
Median Age Male40.5
Median Age Female44.3
49441 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityMuskegon
City Alias NameMUSKEGON
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 Businesses702
Number Of Employees11606
Business First Quarter Payroll117366
Business Annual Payroll506927
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|03
Congressional LandArea3281.19|2628.74
Delivery Residential16546
Delivery Business884
Delivery Total17642
Preferred Last Line KeyY12426
Classification Code
Multi-County
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY12426
Land Area21.704000
Water Area14.931000
City Alias Code
City Mixed CaseMuskegon
City Alias Mixed CaseMuskegon
Box Count0
SFDU14032
MFDU1912
State ANSI26
County ANSI121
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number256530
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 […]