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49701 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 49701 zip code it's important to know that our rates are very competitive for homeowners living in Mackinaw City, MI. Many homeowners based out of your 49701 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 49701 should appear in the zip code field ready to go. For Mackinaw City, MI Homeowners Insurance Quotes nearby, we offer the best rates and service.

49701: Average Home Insurance Rates

For homeowners living in the great city of Mackinaw City, the average homeowners policy is considered medium in comparison to other states. Michigan premiums are estimated to be around $732 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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49701 Home Insurance Average Premiums

Local 49701 homeowners insurance quotes comparison

$482 /yr.

Shows Zip Code: 49701 lowest rates with discounts applied on average.

For the 49701, 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)		$482 /yr.
Average Coverage:$732 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1032 /yr.

What is the average home insurance cost for a home in 49701?

  • • The average homeowners insurance premium paid annually for a home in 49701 is around $732 per year.

What does it cost on average per month for home insurance in 49701?

  • • Homeowners in 49701 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 49701?

  • • Autoowners in 49701 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 Mackinaw City area, check out other zip codes nearby 49701.
Review average rates in another zip code:
49701 homeowners insurance rates

Home Replacement Cost Coverage in 49701

Average Building Cost Per Square Foot in 49701: $132

Location: Mackinaw City, Michigan (Cheboygan County)

Average Square Footage in 49701: 1,394 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49701 before you start any project. Mackinaw City 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 49701 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 49701 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,394 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 Mackinaw City 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$1321,394$184,000
Additional Upgrades & Added Features$1651,394$230,000
Major Home Updates or Advancements$1981,394$276,000

It's important to understand that when you estimate your replacement cost of your home in the 49701 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 49701

Best Home & Auto Insurance Agencies in 49701

Housing Demographics for 49701

Population Review for 49701 Zip Code

For the city of Mackinaw City, the population within 49701 has increased to over 533 residents in population size. The current population total is 1,050. We have broken down the population based on race below. In 49701, there are over 492 in male population and 558 females.

PopulationValues
Total Population1,050
White Population923
Black Population21
Hispanic Population24
Asian Population9
Hawaiian Population1
Indian Population36
Other Population6
Male Population492
Female Population558
Population Estimate533

Household Data for 49701

The average number of homes in 49701 is around 534, there are an average of 1.92 per household. The average house value according to local real estate values is around $184,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode534
Persons Per Household1.92
Average House Value$184,000
Income Per Household$51000
Median Age57.2
Median Age Male56.2
Median Age Female57.9
49701 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231/906
CityMackinaw City
City Alias NameMACKINAW CITY
CountyCheboygan
County FIPS031
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 Businesses145
Number Of Employees588
Business First Quarter Payroll3505
Business Annual Payroll36784
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 Residential278
Delivery Business12
Delivery Total1259
Preferred Last Line KeyY12290
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY12290
Land Area17.400000
Water Area10.564000
City Alias Code
City Mixed CaseMackinaw City
City Alias Mixed CaseMackinaw City
Box Count501
SFDU216
MFDU32
State ANSI26
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number255690
Unique ZIP Name
SSA State County Code23150
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID15
County Mixed CaseCheboygan

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 […]