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49534 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 49534 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 Grand Rapids, MI quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 49534.

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 49534 and start shopping.

Quickly and Easily Compare Average Rates for 49534

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

Average Policy Rates in 49534

Homeowners in Grand Rapids are paying roughly $754 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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49534 Home Insurance Average Premiums

Local 49534 homeowners insurance quotes comparison

$504 /yr.

Shows Zip Code: 49534 lowest rates with discounts applied on average.

For the 49534, 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)
$504 /yr.
Average Coverage:$754 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1054 /yr.

What is the average home insurance cost for a home in 49534?

  • • The average homeowners insurance premium paid annually for a home in 49534 is around $754 per year.

What does it cost on average per month for home insurance in 49534?

  • • Homeowners in 49534 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 49534?

  • • Autoowners in 49534 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 Grand Rapids area, check out other zip codes nearby 49534.
Review average rates in another zip code:
49504 homeowners insurance rates
49508 homeowners insurance rates
49548 homeowners insurance rates
49525 homeowners insurance rates
49507 homeowners insurance rates
49546 homeowners insurance rates
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49503 homeowners insurance rates
49544 homeowners insurance rates
49505 homeowners insurance rates

Home Replacement Cost Coverage in 49534

Average Building Cost Per Square Foot in 49534: $132

Location: Grand Rapids, Michigan (Kent County)

Average Square Footage in 49534: 1,676 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49534 before you start any project. Grand Rapids 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 49534 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 49534 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,676 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 Grand Rapids 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$1321,676$221,200
Additional Upgrades & Added Features$1651,676$276,500
Major Home Updates or Advancements$1981,676$331,800

It's important to understand that when you estimate your replacement cost of your home in the 49534 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 49534

Best Home & Auto Insurance Agencies in 49534

Gordon Kerr Ins Agcy Inc - State Farm Insurance Agent

Address: 4310 Leonard St NW, #101 Grand Rapids, MI 49534
Phone:
Website:
Info:

Allstate Insurance Company - James Razmus

Address: 3755 Remembrance Rd NW Grand Rapids, MI 49534
Phone:
Website: http://www.allstateagencies.com/045806?cid=OTC-YP.com-IYP&att=TL
Info:

James H Robinson Ins Agcy Inc - State Farm Insurance Agent

Address: 4172 Lake Michigan Dr NW Grand Rapids, MI 49534
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

Allstate Insurance Company - Bryan Gras

Address: 511 Wilson Ave NW Grand Rapids, MI 49534
Phone:
Website: http://www.allstateagencies.com/056937?cid=OTC-YP.com-IYP&att=TL
Info:

Scott B Schwaiger - Nationwide Insurance

Address: 4071 Lake Michigan Dr NW Grand Rapids, MI 49534
Phone:
Website: http://www.nationwide.com/agent/Grand-Rapids-MICHIGAN-insurance-agent/scott-schwaiger/office.html
Info:

Housing Demographics for 49534

Population Review for 49534 Zip Code

For the city of Grand Rapids, the population within 49534 has increased to over 25,268 residents in population size. The current population total is 23,996. We have broken down the population based on race below. In 49534, there are over 11845 in male population and 12151 females.

PopulationValues
Total Population23,996
White Population21113
Black Population597
Hispanic Population1137
Asian Population437
Hawaiian Population5
Indian Population95
Other Population434
Male Population11845
Female Population12151
Population Estimate25268

Household Data for 49534

The average number of homes in 49534 is around 9,659, there are an average of 2.47 per household. The average house value according to local real estate values is around $221,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,659
Persons Per Household2.47
Average House Value$221,200
Income Per Household$71313
Median Age36.8
Median Age Male35.8
Median Age Female38.1
49534 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code616
CityGrand Rapids
City Alias NameGRAND RAPIDS
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 Businesses553
Number Of Employees9308
Business First Quarter Payroll107290
Business Annual Payroll478917
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 District02|03
Congressional LandArea3281.19|2628.74
Delivery Residential10230
Delivery Business575
Delivery Total10762
Preferred Last Line KeyY11979
Classification Code
Multi-CountyY
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY11979
Land Area35.268000
Water Area1.143000
City Alias Code
City Mixed CaseGrand Rapids
City Alias Mixed CaseGrand Rapids
Box Count0
SFDU6566
MFDU2105
State ANSI26
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
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 […]