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Home Insurance in 49452

If your primary reason for shopping for homeowners insurance in the 49452 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Rothbury, MI. Many homeowners that live in the 49452 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Michigan licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 49452 zip code should already appear in the zip code field ready to go. For Rothbury, MI Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 49452

Homeowners living in the city of Rothbury are paying on average around $753 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 49452 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Michigan home insurance premiums have been recently ranked 36 in the country in terms of the annual cost of premiums. Because premiums in 49452 are lower compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 49452 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Rothbury. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

49452 Home Insurance Average Premiums

Local 49452 homeowners insurance quotes comparison

$503 /yr.

Shows Zip Code: 49452 lowest rates with discounts applied on average.

For the 49452, 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)
$503 /yr.
Average Coverage:$753 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1053 /yr.

What is the average home insurance cost for a home in 49452?

  • • The average homeowners insurance premium paid annually for a home in 49452 is around $753 per year.

What does it cost on average per month for home insurance in 49452?

  • • Homeowners in 49452 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 49452?

  • • Autoowners in 49452 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 Rothbury area, check out other zip codes nearby 49452.
Review average rates in another zip code:
49452 homeowners insurance rates

Home Replacement Cost Coverage in 49452

Average Building Cost Per Square Foot in 49452: $132

Location: Rothbury, Michigan (Oceana County)

Average Square Footage in 49452: 773 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49452 before you start any project. Rothbury 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 49452 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 49452 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 773 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 Rothbury 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$132773$102,000
Additional Upgrades & Added Features$165773$127,500
Major Home Updates or Advancements$198773$153,000

It's important to understand that when you estimate your replacement cost of your home in the 49452 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 49452

Best Home & Auto Insurance Agencies in 49452

Housing Demographics for 49452

Population Review for 49452 Zip Code

For the city of Rothbury, the population within 49452 has increased to over 2,228 residents in population size. The current population total is 2,081. We have broken down the population based on race below. In 49452, there are over 1055 in male population and 1026 females.

PopulationValues
Total Population2,081
White Population1792
Black Population12
Hispanic Population222
Asian Population7
Hawaiian Population0
Indian Population28
Other Population86
Male Population1055
Female Population1026
Population Estimate2228

Household Data for 49452

The average number of homes in 49452 is around 737, there are an average of 2.80 per household. The average house value according to local real estate values is around $102,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode737
Persons Per Household2.80
Average House Value$102,000
Income Per Household$57216
Median Age39.9
Median Age Male41.1
Median Age Female38.8
49452 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityRothbury
City Alias NameROTHBURY
CountyOceana
County FIPS127
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses20
Number Of Employees295
Business First Quarter Payroll1510
Business Annual Payroll7760
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea3281.19
Delivery Residential796
Delivery Business14
Delivery Total877
Preferred Last Line KeyY12694
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY12694
Land Area44.916000
Water Area0.400000
City Alias Code
City Mixed CaseRothbury
City Alias Mixed CaseRothbury
Box Count43
SFDU768
MFDU0
State ANSI26
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number258220
Unique ZIP Name
SSA State County Code23630
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID12
County Mixed CaseOceana

Michigan Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]