Compare quotes for your home in 49638! Compare the best 12 carriers in minutes.
Shop for Home Insurance in 49638 right now!
If you live in the 49638 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Harrietta have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
Our service is always free and we not only find a great policy for you, our MI licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.
It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 49638 and then compare quotes from a variety of nationwide insurance companies.
49638 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 49638 the average premium for homeowners coverage is $777 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 49638. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
Get Free Home Insurance Quotes in 49638 Today!
We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
Click to review the best Harrietta, MI home insurance quotes in your area.
49638 Home Insurance Average Premiums
$527 /yr.
Shows Zip Code: 49638 lowest rates with discounts applied on average.
For the 49638, 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) | $527 /yr. |
| Average Coverage: | $777 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1077 /yr. |
What is the average home insurance cost for a home in 49638?
- • The average homeowners insurance premium paid annually for a home in 49638 is around $777 per year.
What does it cost on average per month for home insurance in 49638?
- • Homeowners in 49638 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 49638?
- • Autoowners in 49638 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 Harrietta area, check out other zip codes nearby 49638.
Review average rates in another zip code:
49638 homeowners insurance rates
Home Replacement Cost Coverage in 49638
Average Building Cost Per Square Foot in 49638: $132
Location: Harrietta, Michigan (Wexford County)Average Square Footage in 49638: 797 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49638 before you start any project. Harrietta 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 49638 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 49638 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 797 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 Harrietta 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $132 | 797 | $105,200 |
| Additional Upgrades & Added Features | $165 | 797 | $131,500 |
| Major Home Updates or Advancements | $198 | 797 | $157,800 |
It's important to understand that when you estimate your replacement cost of your home in the 49638 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 49638
Best Home & Auto Insurance Agencies in 49638
Housing Demographics for 49638
Population Review for 49638 Zip Code
For the city of Harrietta, the population within 49638 has increased to over 828 residents in population size. The current population total is 829. We have broken down the population based on race below. In 49638, there are over 431 in male population and 398 females.
| Population | Values |
|---|---|
| Total Population | 829 |
| White Population | 757 |
| Black Population | 2 |
| Hispanic Population | 18 |
| Asian Population | 4 |
| Hawaiian Population | 0 |
| Indian Population | 9 |
| Other Population | 5 |
| Male Population | 431 |
| Female Population | 398 |
| Population Estimate | 828 |
Household Data for 49638
The average number of homes in 49638 is around 387, there are an average of 2.14 per household. The average house value according to local real estate values is around $105,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 387 |
| Persons Per Household | 2.14 |
| Average House Value | $105,200 |
| Income Per Household | $44063 |
| Median Age | 54.0 |
| Median Age Male | 54.2 |
| Median Age Female | 53.9 |
| 49638 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 231 |
| City | Harrietta |
| City Alias Name | HARRIETTA |
| County | Wexford |
| County FIPS | 165 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 15620 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Cadillac, MI |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 5 |
| Number Of Employees | 8 |
| Business First Quarter Payroll | 36 |
| Business Annual Payroll | 221 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 47584 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 3281.19 |
| Delivery Residential | 387 |
| Delivery Business | 5 |
| Delivery Total | 465 |
| Preferred Last Line Key | Y12040 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y12040 |
| Land Area | 72.827000 |
| Water Area | 1.244000 |
| City Alias Code | |
| City Mixed Case | Harrietta |
| City Alias Mixed Case | Harrietta |
| Box Count | 66 |
| SFDU | 387 |
| MFDU | 0 |
| State ANSI | 26 |
| County ANSI | 165 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 254160 |
| Unique ZIP Name | |
| SSA State County Code | 23830 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 14 |
| County Mixed Case | Wexford |
Michigan Homeowners Insurance News & Information
-
$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 […]
-
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
-
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]