Get multiple home insurance quotes in 49668. Our licensed 49668, MI agents are ready to serve you.

49668 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 49668 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Mesick, MI. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 49668 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Michigan, like average Mesick homeowners insurance rates, coverage options or home insurance types, please select Mesick, MI Home Insurance Rates Online!

49668 Home Insurance Average Premiums

Local 49668 homeowners insurance quotes comparison

$532 /yr.

Shows Zip Code: 49668 lowest rates with discounts applied on average.

For the 49668, 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)
$532 /yr.
Average Coverage:$782 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1082 /yr.

What is the average home insurance cost for a home in 49668?

  • • The average homeowners insurance premium paid annually for a home in 49668 is around $782 per year.

What does it cost on average per month for home insurance in 49668?

  • • Homeowners in 49668 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 49668?

  • • Autoowners in 49668 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 Mesick area, check out other zip codes nearby 49668.
Review average rates in another zip code:
49668 homeowners insurance rates

Home Replacement Cost Coverage in 49668

Average Building Cost Per Square Foot in 49668: $132

Location: Mesick, Michigan (Wexford County)

Average Square Footage in 49668: 869 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49668 before you start any project. Mesick 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 49668 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 49668 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 869 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 Mesick 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$132869$114,700
Additional Upgrades & Added Features$165869$143,375
Major Home Updates or Advancements$198869$172,050

It's important to understand that when you estimate your replacement cost of your home in the 49668 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 49668

Best Home & Auto Insurance Agencies in 49668

Housing Demographics for 49668

Population Review for 49668 Zip Code

For the city of Mesick, the population within 49668 has increased to over 3,770 residents in population size. The current population total is 3,758. We have broken down the population based on race below. In 49668, there are over 1930 in male population and 1828 females.

PopulationValues
Total Population3,758
White Population3381
Black Population19
Hispanic Population101
Asian Population14
Hawaiian Population0
Indian Population33
Other Population33
Male Population1930
Female Population1828
Population Estimate3770

Household Data for 49668

The average number of homes in 49668 is around 1,501, there are an average of 2.50 per household. The average house value according to local real estate values is around $114,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,501
Persons Per Household2.50
Average House Value$114,700
Income Per Household$52426
Median Age41.7
Median Age Male41.2
Median Age Female42.6
49668 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityMesick
City Alias NameMESICK
CountyWexford
County FIPS165
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA15620
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCadillac, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses46
Number Of Employees337
Business First Quarter Payroll3852
Business Annual Payroll17335
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population47584
CBSA Division Population0
Congressional District01|02|04
Congressional LandArea25027.75|3281.19|8457.8
Delivery Residential1508
Delivery Business26
Delivery Total1848
Preferred Last Line KeyY12358
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY12358
Land Area107.536000
Water Area3.104000
City Alias Code
City Mixed CaseMesick
City Alias Mixed CaseMesick
Box Count261
SFDU1508
MFDU0
State ANSI26
County ANSI165
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number256090
Unique ZIP Name
SSA State County Code23830
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID14
County Mixed CaseWexford

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 […]