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Home Insurance in 49746

Our rates are very competitive for homeowners living in the 49746 zip code. Many homeowners based out of Hillman, MI 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 MI 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 49746 should appear in the zip code field ready to go.

49746 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Hillman area? The average homeowners premium in 49746 is medium in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 49746, you can expect to pay around $767 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 49746

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Michigan. Start your 49746 home insurance shopping today!

  1. Hillman, MI Home Insurance Quotes

49746 Home Insurance Average Premiums

Local 49746 homeowners insurance quotes comparison

$517 /yr.

Shows Zip Code: 49746 lowest rates with discounts applied on average.

For the 49746, 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)		$517 /yr.
Average Coverage:$767 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1067 /yr.

What is the average home insurance cost for a home in 49746?

  • • The average homeowners insurance premium paid annually for a home in 49746 is around $767 per year.

What does it cost on average per month for home insurance in 49746?

  • • Homeowners in 49746 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 49746?

  • • Autoowners in 49746 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 Hillman area, check out other zip codes nearby 49746.
Review average rates in another zip code:
49746 homeowners insurance rates

Home Replacement Cost Coverage in 49746

Average Building Cost Per Square Foot in 49746: $132

Location: Hillman, Michigan (Montmorency County)

Average Square Footage in 49746: 852 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49746 before you start any project. Hillman 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 49746 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 49746 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 852 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 Hillman 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$132852$112,500
Additional Upgrades & Added Features$165852$140,625
Major Home Updates or Advancements$198852$168,750

It's important to understand that when you estimate your replacement cost of your home in the 49746 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 49746

Best Home & Auto Insurance Agencies in 49746

Top O' Michigan Insurance

Address: 150 State St Hillman, MI 49746
Phone:
Website: http://www.tomia247.com/
Info:

Housing Demographics for 49746

Population Review for 49746 Zip Code

For the city of Hillman, the population within 49746 has increased to over 3,578 residents in population size. The current population total is 3,320. We have broken down the population based on race below. In 49746, there are over 1749 in male population and 1571 females.

PopulationValues
Total Population3,320
White Population3121
Black Population6
Hispanic Population35
Asian Population7
Hawaiian Population0
Indian Population26
Other Population18
Male Population1749
Female Population1571
Population Estimate3578

Household Data for 49746

The average number of homes in 49746 is around 1,534, there are an average of 2.14 per household. The average house value according to local real estate values is around $112,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,534
Persons Per Household2.14
Average House Value$112,500
Income Per Household$41042
Median Age54.3
Median Age Male52.0
Median Age Female55.4
49746 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code989
CityHillman
City Alias NameHILLMAN
CountyMontmorency
County FIPS119
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 Businesses76
Number Of Employees593
Business First Quarter Payroll4955
Business Annual Payroll23553
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 Residential1672
Delivery Business51
Delivery Total1985
Preferred Last Line KeyY12077
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY12077
Land Area209.608000
Water Area15.721000
City Alias Code
City Mixed CaseHillman
City Alias Mixed CaseHillman
Box Count181
SFDU1610
MFDU42
State ANSI26
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number254380
Unique ZIP Name
SSA State County Code23590
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID15
County Mixed CaseMontmorency

Michigan Homeowners Insurance News & Information

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    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]