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49745 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 49745 zip code it's important to know that our rates are very competitive for homeowners living in Hessel, MI. Many homeowners based out of your 49745 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 49745 should appear in the zip code field ready to go. For Hessel, MI Homeowners Insurance Quotes nearby, we offer the best rates and service.

49745: Average Home Insurance Rates

For homeowners living in the great city of Hessel, the average homeowners policy is considered medium in comparison to other states. Michigan premiums are estimated to be around $754 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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49745 Home Insurance Average Premiums

Local 49745 homeowners insurance quotes comparison

$504 /yr.

Shows Zip Code: 49745 lowest rates with discounts applied on average.

For the 49745, 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)		$504 /yr.
Average Coverage:$754 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1054 /yr.

What is the average home insurance cost for a home in 49745?

  • • The average homeowners insurance premium paid annually for a home in 49745 is around $754 per year.

What does it cost on average per month for home insurance in 49745?

  • • Homeowners in 49745 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 49745?

  • • Autoowners in 49745 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 Hessel area, check out other zip codes nearby 49745.
Review average rates in another zip code:
49745 homeowners insurance rates

Home Replacement Cost Coverage in 49745

Average Building Cost Per Square Foot in 49745: $132

Location: Hessel, Michigan (Mackinac County)

Average Square Footage in 49745: 838 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49745 before you start any project. Hessel 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 49745 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 49745 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 838 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 Hessel 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$132838$110,600
Additional Upgrades & Added Features$165838$138,250
Major Home Updates or Advancements$198838$165,900

It's important to understand that when you estimate your replacement cost of your home in the 49745 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 49745

Best Home & Auto Insurance Agencies in 49745

Housing Demographics for 49745

Population Review for 49745 Zip Code

For the city of Hessel, the population within 49745 has increased to over 844 residents in population size. The current population total is 1,016. We have broken down the population based on race below. In 49745, there are over 502 in male population and 514 females.

PopulationValues
Total Population1,016
White Population730
Black Population2
Hispanic Population17
Asian Population2
Hawaiian Population0
Indian Population175
Other Population9
Male Population502
Female Population514
Population Estimate844

Household Data for 49745

The average number of homes in 49745 is around 532, there are an average of 1.91 per household. The average house value according to local real estate values is around $110,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode532
Persons Per Household1.91
Average House Value$110,600
Income Per Household$41726
Median Age54.9
Median Age Male53.0
Median Age Female56.0
49745 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code906
CityHessel
City Alias NameHESSEL
CountyMackinac
County FIPS097
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 Businesses14
Number Of Employees58
Business First Quarter Payroll597
Business Annual Payroll3311
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 Residential442
Delivery Business3
Delivery Total662
Preferred Last Line KeyY12066
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY12066
Land Area80.909000
Water Area53.787000
City Alias Code
City Mixed CaseHessel
City Alias Mixed CaseHessel
Box Count190
SFDU418
MFDU0
State ANSI26
County ANSI097
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number254340
Unique ZIP Name
SSA State County Code23480
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID15
County Mixed CaseMackinac

Michigan Homeowners Insurance News & Information

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • 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 […]