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Find the lowest Homeowners Insurance Rates in 49730
There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.
If you are shopping for coverage in 49730, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Elmira, MI from a list of top tier nationwide insurers.
Our Michigan licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.
It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 49730 will appear in the zip code field and you are ready to go.
It’s Time to Compare Rate Quotes for 49730
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Elmira, MI home insurance quotes in your local city and review the most competitive coverages and premiums.
49730 Ratings: medium!
Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.
In addition to gathering the best quotes from 12 major insurance companies in Elmira we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 49730, homeowners are seeing rates around 772 on average per year.
Let us help you compare home insurance rates right now. Get started shopping for new policy in 49730!
49730 Home Insurance Average Premiums
$522 /yr.
Shows Zip Code: 49730 lowest rates with discounts applied on average.
For the 49730, 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) | $522 /yr. |
| Average Coverage: | $772 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1072 /yr. |
What is the average home insurance cost for a home in 49730?
- • The average homeowners insurance premium paid annually for a home in 49730 is around $772 per year.
What does it cost on average per month for home insurance in 49730?
- • Homeowners in 49730 pay a monthly average cost per month around $64.00.
What kind of discount could I get if I combine my home and auto insurance together in 49730?
- • Autoowners in 49730 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 Elmira area, check out other zip codes nearby 49730.
Review average rates in another zip code:
49730 homeowners insurance rates
Home Replacement Cost Coverage in 49730
Average Building Cost Per Square Foot in 49730: $132
Location: Elmira, Michigan (Otsego County)Average Square Footage in 49730: 1,029 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49730 before you start any project. Elmira 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 49730 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 49730 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,029 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 Elmira 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 | 1,029 | $135,800 |
| Additional Upgrades & Added Features | $165 | 1,029 | $169,750 |
| Major Home Updates or Advancements | $198 | 1,029 | $203,700 |
It's important to understand that when you estimate your replacement cost of your home in the 49730 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 49730
Best Home & Auto Insurance Agencies in 49730
Housing Demographics for 49730
Population Review for 49730 Zip Code
For the city of Elmira, the population within 49730 has increased to over 2,508 residents in population size. The current population total is 2,248. We have broken down the population based on race below. In 49730, there are over 1120 in male population and 1128 females.
| Population | Values |
|---|---|
| Total Population | 2,248 |
| White Population | 2096 |
| Black Population | 4 |
| Hispanic Population | 26 |
| Asian Population | 10 |
| Hawaiian Population | 0 |
| Indian Population | 18 |
| Other Population | 3 |
| Male Population | 1120 |
| Female Population | 1128 |
| Population Estimate | 2508 |
Household Data for 49730
The average number of homes in 49730 is around 871, there are an average of 2.56 per household. The average house value according to local real estate values is around $135,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 871 |
| Persons Per Household | 2.56 |
| Average House Value | $135,800 |
| Income Per Household | $65139 |
| Median Age | 42.9 |
| Median Age Male | 45.2 |
| Median Age Female | 40.8 |
| 49730 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 231 |
| City | Elmira |
| City Alias Name | ELMIRA |
| County | Otsego |
| County FIPS | 137 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 30 |
| Number Of Employees | 539 |
| Business First Quarter Payroll | 7331 |
| Business Annual Payroll | 34247 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 25027.75 |
| Delivery Residential | 980 |
| Delivery Business | 24 |
| Delivery Total | 1062 |
| Preferred Last Line Key | Y11828 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y11828 |
| Land Area | 95.600000 |
| Water Area | 0.310000 |
| City Alias Code | |
| City Mixed Case | Elmira |
| City Alias Mixed Case | Elmira |
| Box Count | 51 |
| SFDU | 980 |
| MFDU | 0 |
| State ANSI | 26 |
| County ANSI | 137 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 252930 |
| Unique ZIP Name | |
| SSA State County Code | 23680 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 15 |
| County Mixed Case | Otsego |
Michigan Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]