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49630 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 49630? There are over 653 occupied homes in the 49630 area. With a population size of 1,331, it's not uncommon for residence of Empire, MI to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Michigan is around $781 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 49630 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Empire, MI Home Insurance Rate Quotes

49630 Home Insurance Average Premiums

Local 49630 homeowners insurance quotes comparison

$531 /yr.

Shows Zip Code: 49630 lowest rates with discounts applied on average.

For the 49630, 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)		$531 /yr.
Average Coverage:$781 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1081 /yr.

What is the average home insurance cost for a home in 49630?

  • • The average homeowners insurance premium paid annually for a home in 49630 is around $781 per year.

What does it cost on average per month for home insurance in 49630?

  • • Homeowners in 49630 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 49630?

  • • Autoowners in 49630 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 Empire area, check out other zip codes nearby 49630.
Review average rates in another zip code:
49630 homeowners insurance rates

Home Replacement Cost Coverage in 49630

Average Building Cost Per Square Foot in 49630: $132

Location: Empire, Michigan (Leelanau County)

Average Square Footage in 49630: 2,605 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49630 before you start any project. Empire 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 49630 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 49630 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,605 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 Empire 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$1322,605$343,800
Additional Upgrades & Added Features$1652,605$429,750
Major Home Updates or Advancements$1982,605$515,700

It's important to understand that when you estimate your replacement cost of your home in the 49630 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 49630

Best Home & Auto Insurance Agencies in 49630

Housing Demographics for 49630

Population Review for 49630 Zip Code

For the city of Empire, the population within 49630 has increased to over 1,564 residents in population size. The current population total is 1,331. We have broken down the population based on race below. In 49630, there are over 646 in male population and 685 females.

PopulationValues
Total Population1,331
White Population1271
Black Population2
Hispanic Population16
Asian Population7
Hawaiian Population0
Indian Population0
Other Population4
Male Population646
Female Population685
Population Estimate1564

Household Data for 49630

The average number of homes in 49630 is around 653, there are an average of 2.04 per household. The average house value according to local real estate values is around $343,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode653
Persons Per Household2.04
Average House Value$343,800
Income Per Household$79219
Median Age61.9
Median Age Male60.6
Median Age Female62.4
49630 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityEmpire
City Alias NameEMPIRE
CountyLeelanau
County FIPS089
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA45900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameTraverse City, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses51
Number Of Employees200
Business First Quarter Payroll1765
Business Annual Payroll7608
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population143372
CBSA Division Population0
Congressional District01
Congressional LandArea25027.75
Delivery Residential767
Delivery Business22
Delivery Total1189
Preferred Last Line KeyY11835
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY11835
Land Area60.463000
Water Area7.551000
City Alias Code
City Mixed CaseEmpire
City Alias Mixed CaseEmpire
Box Count297
SFDU747
MFDU0
State ANSI26
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number252990
Unique ZIP Name
SSA State County Code23440
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID14
County Mixed CaseLeelanau

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 […]