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Are you paying too much for homeowners insurance in 49644? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Irons, MI that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Michigan licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 49644?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 49644 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 49644 and get ready to save.

3 Easy Ways To Save Money In 49644

These three links will help you explore home insurance quotes in 49644 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 49644 Home Insurance Costs Rated: medium!

The average price for a homeowners insurance policy in Irons is roughly $731. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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49644 Home Insurance Average Premiums

Local 49644 homeowners insurance quotes comparison

$481 /yr.

Shows Zip Code: 49644 lowest rates with discounts applied on average.

For the 49644, 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)
$481 /yr.
Average Coverage:$731 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1031 /yr.

What is the average home insurance cost for a home in 49644?

  • • The average homeowners insurance premium paid annually for a home in 49644 is around $731 per year.

What does it cost on average per month for home insurance in 49644?

  • • Homeowners in 49644 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 49644?

  • • Autoowners in 49644 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 Irons area, check out other zip codes nearby 49644.
Review average rates in another zip code:
49644 homeowners insurance rates

Home Replacement Cost Coverage in 49644

Average Building Cost Per Square Foot in 49644: $132

Location: Irons, Michigan (Lake County)

Average Square Footage in 49644: 1,083 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49644 before you start any project. Irons 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 49644 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 49644 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,083 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 Irons 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$1321,083$143,000
Additional Upgrades & Added Features$1651,083$178,750
Major Home Updates or Advancements$1981,083$214,500

It's important to understand that when you estimate your replacement cost of your home in the 49644 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 49644

Best Home & Auto Insurance Agencies in 49644

Housing Demographics for 49644

Population Review for 49644 Zip Code

For the city of Irons, the population within 49644 has increased to over 2,325 residents in population size. The current population total is 1,891. We have broken down the population based on race below. In 49644, there are over 1013 in male population and 878 females.

PopulationValues
Total Population1,891
White Population1783
Black Population7
Hispanic Population23
Asian Population2
Hawaiian Population0
Indian Population10
Other Population3
Male Population1013
Female Population878
Population Estimate2325

Household Data for 49644

The average number of homes in 49644 is around 936, there are an average of 2.02 per household. The average house value according to local real estate values is around $143,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode936
Persons Per Household2.02
Average House Value$143,000
Income Per Household$49702
Median Age60.1
Median Age Male60.1
Median Age Female60.0
49644 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityIrons
City Alias NameIRONS
CountyLake
County FIPS085
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 Businesses27
Number Of Employees110
Business First Quarter Payroll800
Business Annual Payroll4224
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 District02
Congressional LandArea3281.19
Delivery Residential1151
Delivery Business19
Delivery Total1396
Preferred Last Line KeyY12131
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY12131
Land Area110.596000
Water Area1.743000
City Alias Code
City Mixed CaseIrons
City Alias Mixed CaseIrons
Box Count129
SFDU1151
MFDU0
State ANSI26
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number254740
Unique ZIP Name
SSA State County Code23420
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID12
County Mixed CaseLake

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 […]