Home Insurance in 49454

Our rates are very competitive for homeowners living in the 49454 zip code. Many homeowners based out of Scottville, MI have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our MI licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 49454 should appear in the zip code field ready to go.

49454 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Scottville area? The average homeowners premium in 49454 is medium in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 49454, you can expect to pay around $720 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 49454 Today!

Get Home Insurance Quotes in 49454

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Michigan. Start your 49454 home insurance shopping today!

1. Scottville, MI Home Insurance Quotes

Average Building Cost Per Square Foot in 49454: $132

Average Square Footage in 49454: 960 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49454 before you start any project. Scottville 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 49454 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 49454 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 960 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 Scottville 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 49454 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.

Doan- Erin - State Farm Insurance Agent

Allstate Insurance Company

Household Data for 49454

The average number of homes in 49454 is around 1,809, there are an average of 2.53 per household. The average house value according to local real estate values is around $126,700. Please review the following demographics below for average income and media age.

• 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 […]