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49629 Home Insurance Rates & Premiums

Did you know there are over 1,997 people living within the 49629 zip code area? There are over 974 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 49629.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $751 a year for a standard homeowners insurance policy in Elk Rapids. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Elk Rapids, MI Homeowners Insurance Quotes Online

49629 Home Insurance Average Premiums

Local 49629 homeowners insurance quotes comparison

$501 /yr.

Shows Zip Code: 49629 lowest rates with discounts applied on average.

For the 49629, 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)		$501 /yr.
Average Coverage:$751 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1051 /yr.

What is the average home insurance cost for a home in 49629?

  • • The average homeowners insurance premium paid annually for a home in 49629 is around $751 per year.

What does it cost on average per month for home insurance in 49629?

  • • Homeowners in 49629 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 49629?

  • • Autoowners in 49629 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 Elk Rapids area, check out other zip codes nearby 49629.
Review average rates in another zip code:
49629 homeowners insurance rates

Home Replacement Cost Coverage in 49629

Average Building Cost Per Square Foot in 49629: $132

Location: Elk Rapids, Michigan (Antrim County)

Average Square Footage in 49629: 2,003 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49629 before you start any project. Elk 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 49629 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 49629 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,003 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 Elk 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$1322,003$264,400
Additional Upgrades & Added Features$1652,003$330,500
Major Home Updates or Advancements$1982,003$396,600

It's important to understand that when you estimate your replacement cost of your home in the 49629 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 49629

Best Home & Auto Insurance Agencies in 49629

Paulmark Agency

Address: 212 River St Elk Rapids, MI 49629
Phone:
Website:
Info:

Housing Demographics for 49629

Population Review for 49629 Zip Code

For the city of Elk Rapids, the population within 49629 has increased to over 2,337 residents in population size. The current population total is 1,997. We have broken down the population based on race below. In 49629, there are over 937 in male population and 1060 females.

PopulationValues
Total Population1,997
White Population1877
Black Population0
Hispanic Population37
Asian Population17
Hawaiian Population7
Indian Population22
Other Population5
Male Population937
Female Population1060
Population Estimate2337

Household Data for 49629

The average number of homes in 49629 is around 974, there are an average of 2.05 per household. The average house value according to local real estate values is around $264,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode974
Persons Per Household2.05
Average House Value$264,400
Income Per Household$61538
Median Age59.9
Median Age Male57.7
Median Age Female60.9
49629 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityElk Rapids
City Alias NameELK RAPIDS
CountyAntrim
County FIPS009
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 Businesses115
Number Of Employees743
Business First Quarter Payroll5949
Business Annual Payroll30227
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 District01
Congressional LandArea25027.75
Delivery Residential1140
Delivery Business68
Delivery Total1715
Preferred Last Line KeyY11823
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY11823
Land Area3.753000
Water Area4.994000
City Alias Code
City Mixed CaseElk Rapids
City Alias Mixed CaseElk Rapids
Box Count338
SFDU962
MFDU130
State ANSI26
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number252890
Unique ZIP Name
SSA State County Code23040
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID14
County Mixed CaseAntrim

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 […]