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49509, MI Home Insurance

In the zip code of 49509, the population size is around 28,340, which consists of 10,276 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Wyoming, MI. A few years ago, a study was done and found that the average home insurance rates for Michigan are around $791 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 49509 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Wyoming. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Wyoming, MI Homeowners Insurance Online Rates Today!

49509 Home Insurance Average Premiums

Local 49509 homeowners insurance quotes comparison

$541 /yr.

Shows Zip Code: 49509 lowest rates with discounts applied on average.

For the 49509, 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)
$541 /yr.
Average Coverage:$791 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1091 /yr.

What is the average home insurance cost for a home in 49509?

  • • The average homeowners insurance premium paid annually for a home in 49509 is around $791 per year.

What does it cost on average per month for home insurance in 49509?

  • • Homeowners in 49509 pay a monthly average cost per month around $66.00.

What kind of discount could I get if I combine my home and auto insurance together in 49509?

  • • Autoowners in 49509 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 Wyoming area, check out other zip codes nearby 49509.
Review average rates in another zip code:
49509 homeowners insurance rates
49519 homeowners insurance rates

Home Replacement Cost Coverage in 49509

Average Building Cost Per Square Foot in 49509: $132

Location: Wyoming, Michigan (Kent County)

Average Square Footage in 49509: 1,055 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49509 before you start any project. Wyoming 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 49509 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 49509 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,055 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 Wyoming 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$1321,055$139,200
Additional Upgrades & Added Features$1651,055$174,000
Major Home Updates or Advancements$1981,055$208,800

It's important to understand that when you estimate your replacement cost of your home in the 49509 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 49509

Best Home & Auto Insurance Agencies in 49509

Leon Orent Ins Agcy Inc - State Farm Insurance Agent

Address: 4211 Clyde Park Ave SW Wyoming, MI 49509
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

American Guardian Agency

Address: 508 28th St SW Wyoming, MI 49509
Phone:
Website: http://www.aagainfoline.com
Info:

Kenneth A Stults - Nationwide Insurance

Address: 4253 Clyde Park Ave SW Wyoming, MI 49509
Phone:
Website: http://www.nationwide.com/agent/Wyoming-MICHIGAN-insurance-agent/kenneth-stults/office.html
Info:

Housing Demographics for 49509

Population Review for 49509 Zip Code

For the city of Wyoming, the population within 49509 has increased to over 29,900 residents in population size. The current population total is 28,340. We have broken down the population based on race below. In 49509, there are over 14014 in male population and 14326 females.

PopulationValues
Total Population28,340
White Population15139
Black Population2699
Hispanic Population10035
Asian Population813
Hawaiian Population5
Indian Population398
Other Population5537
Male Population14014
Female Population14326
Population Estimate29900

Household Data for 49509

The average number of homes in 49509 is around 10,276, there are an average of 2.72 per household. The average house value according to local real estate values is around $139,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,276
Persons Per Household2.72
Average House Value$139,200
Income Per Household$54606
Median Age33.9
Median Age Male33.0
Median Age Female34.6
49509 DetailsValues
StateMI
State Full NameMichigan
City TypeB
City Alias Abbreviation
Area Code616
CityWyoming
City Alias NameWYOMING
CountyKent
County FIPS081
State FIPS26
Time Zone5
Day Light SavingY
MSA3000
PMSA
CSA266
CBSA24340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Rapids-Wyoming-Kentwood, MI
MSA_NameGrand Rapids-Muskegon-Holland, MI MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses632
Number Of Employees15636
Business First Quarter Payroll186894
Business Annual Payroll800137
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population774160
CBSA Division Population0
Congressional District03
Congressional LandArea2628.74
Delivery Residential10993
Delivery Business652
Delivery Total14005
Preferred Last Line KeyY13131
Classification Code
Multi-County
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY13131
Land Area7.273000
Water Area0.005000
City Alias Code
City Mixed CaseWyoming
City Alias Mixed CaseWyoming
Box Count252
SFDU8746
MFDU1132
State ANSI26
County ANSI081
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number253920
Unique ZIP Name
SSA State County Code23400
Medicare CBSA Code24340
Medicare CBSA NameGrand Rapids-Kentwood, MI
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseKent

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 […]