Check Out 49740 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Harbor Springs, MI.

We will gather some basic information about your home in Harbor Springs, MI and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Michigan licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 49740 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 49740

We have pulled together a variety of data related to homeowners insurance in Michigan. Simply click on one of the links below to learn about the average cost of homeowners insurance in Michigan as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Harbor Springs, MI home insurance quotes in your local city and review the most competitive coverages and premiums.

49740 Homeowners Insurance Rates, Average Rating: medium!

Homeowners insurance policies in 49740 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Michigan is roughly $735. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 49740 homeowners insurance policy!

Average Building Cost Per Square Foot in 49740: $132

Average Square Footage in 49740: 1,961 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49740 before you start any project. Harbor Springs 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 49740 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 49740 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,961 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 Harbor Springs 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.

It's important to understand that when you estimate your replacement cost of your home in the 49740 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.

Berg- Glen I - State Farm Insurance Agent

Household Data for 49740

The average number of homes in 49740 is around 3,418, there are an average of 2.16 per household. The average house value according to local real estate values is around $258,800. Please review the following demographics below for average income and media age.

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