Get multiple home insurance quotes in 49461. Our licensed 49461, MI agents are ready to serve you.

49461 Home Insurance Rates

For homeowners living in 49461, the population estimates are increasing to well over 9,295 with 3,758 occupied homes within the zip code of 49461. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Whitehall have increased and the average home insurance premium is around $769 per year in 49461. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 49461 zip code today so we can help you find affordable Whitehall, MI home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 49461

Please select one of the three options below based on your 49461 zip code to learn more about Michigan homeowners insurance, plus review average rates and information per state, county or city.

  1. Michigan Homeowners Insurance Quotes
  2. Muskegon County, MI Home Insurance
  3. Whitehall, MI Home Insurance Quotes

49461 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 49461 zip code just got easier with GetHomeInsuranceQuotes.com of Whitehall, MI. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 49461 today and let us help you review the best home insurance quotes available for homeowners living in Whitehall.

Get 49461 Homeowners Insurance Rates Now!

49461 Home Insurance Average Premiums

Local 49461 homeowners insurance quotes comparison

$519 /yr.

Shows Zip Code: 49461 lowest rates with discounts applied on average.

For the 49461, 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)
$519 /yr.
Average Coverage:$769 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1069 /yr.

What is the average home insurance cost for a home in 49461?

  • • The average homeowners insurance premium paid annually for a home in 49461 is around $769 per year.

What does it cost on average per month for home insurance in 49461?

  • • Homeowners in 49461 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 49461?

  • • Autoowners in 49461 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 Whitehall area, check out other zip codes nearby 49461.
Review average rates in another zip code:
49461 homeowners insurance rates

Home Replacement Cost Coverage in 49461

Average Building Cost Per Square Foot in 49461: $132

Location: Whitehall, Michigan (Muskegon County)

Average Square Footage in 49461: 1,465 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49461 before you start any project. Whitehall 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 49461 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 49461 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,465 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 Whitehall 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$1321,465$193,400
Additional Upgrades & Added Features$1651,465$241,750
Major Home Updates or Advancements$1981,465$290,100

It's important to understand that when you estimate your replacement cost of your home in the 49461 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 49461

Best Home & Auto Insurance Agencies in 49461

Mallory- Thomas E

Address: 623 E Colby St Whitehall, MI 49461
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 614 E Colby St Whitehall, MI 49461
Phone:
Website:
Info:

Housing Demographics for 49461

Population Review for 49461 Zip Code

For the city of Whitehall, the population within 49461 has increased to over 10,045 residents in population size. The current population total is 9,295. We have broken down the population based on race below. In 49461, there are over 4614 in male population and 4681 females.

PopulationValues
Total Population9,295
White Population8442
Black Population89
Hispanic Population368
Asian Population39
Hawaiian Population1
Indian Population58
Other Population100
Male Population4614
Female Population4681
Population Estimate10045

Household Data for 49461

The average number of homes in 49461 is around 3,758, there are an average of 2.42 per household. The average house value according to local real estate values is around $193,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,758
Persons Per Household2.42
Average House Value$193,400
Income Per Household$69366
Median Age47.0
Median Age Male45.8
Median Age Female48.5
49461 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityWhitehall
City Alias NameWHITEHALL
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 Businesses225
Number Of Employees3536
Business First Quarter Payroll49590
Business Annual Payroll228491
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 Residential4151
Delivery Business227
Delivery Total4615
Preferred Last Line KeyY13104
Classification Code
Multi-County
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY13104
Land Area43.214000
Water Area4.558000
City Alias Code
City Mixed CaseWhitehall
City Alias Mixed CaseWhitehall
Box Count125
SFDU3679
MFDU171
State ANSI26
County ANSI121
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number259874
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 […]