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49756 Home Insurance Quotes & Rates
Currently, the 1,878 homes within the 49756 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Michigan is around $756 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Lewiston, MI, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 49756.
Michigan is now ranking #36 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Lewiston home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Michigan has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 49756 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Lewiston, Michigan home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Lewiston, MI Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
49756 Home Insurance Average Premiums
$506 /yr.
Shows Zip Code: 49756 lowest rates with discounts applied on average.
For the 49756, 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) | $506 /yr. |
| Average Coverage: | $756 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1056 /yr. |
What is the average home insurance cost for a home in 49756?
- • The average homeowners insurance premium paid annually for a home in 49756 is around $756 per year.
What does it cost on average per month for home insurance in 49756?
- • Homeowners in 49756 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 49756?
- • Autoowners in 49756 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 Lewiston area, check out other zip codes nearby 49756.
Review average rates in another zip code:
49756 homeowners insurance rates
Home Replacement Cost Coverage in 49756
Average Building Cost Per Square Foot in 49756: $132
Location: Lewiston, Michigan (Montmorency County)Average Square Footage in 49756: 916 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49756 before you start any project. Lewiston 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 49756 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 49756 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 916 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 Lewiston 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 | 916 | $120,900 |
| Additional Upgrades & Added Features | $165 | 916 | $151,125 |
| Major Home Updates or Advancements | $198 | 916 | $181,350 |
It's important to understand that when you estimate your replacement cost of your home in the 49756 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 49756
Best Home & Auto Insurance Agencies in 49756
Marilyn K Brown Ins Agcy Inc - State Farm Insurance Agent
Address: 2820 Kneeland St Lewiston, MI 49756Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Housing Demographics for 49756
Population Review for 49756 Zip Code
For the city of Lewiston, the population within 49756 has increased to over 4,390 residents in population size. The current population total is 3,822. We have broken down the population based on race below. In 49756, there are over 1980 in male population and 1842 females.
| Population | Values |
|---|---|
| Total Population | 3,822 |
| White Population | 3591 |
| Black Population | 4 |
| Hispanic Population | 59 |
| Asian Population | 2 |
| Hawaiian Population | 0 |
| Indian Population | 24 |
| Other Population | 17 |
| Male Population | 1980 |
| Female Population | 1842 |
| Population Estimate | 4390 |
Household Data for 49756
The average number of homes in 49756 is around 1,878, there are an average of 2.03 per household. The average house value according to local real estate values is around $120,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,878 |
| Persons Per Household | 2.03 |
| Average House Value | $120,900 |
| Income Per Household | $45375 |
| Median Age | 58.1 |
| Median Age Male | 58.1 |
| Median Age Female | 58.2 |
| 49756 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 989 |
| City | Lewiston |
| City Alias Name | LEWISTON |
| County | Montmorency |
| County FIPS | 119 |
| 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 | 80 |
| Number Of Employees | 715 |
| Business First Quarter Payroll | 5834 |
| Business Annual Payroll | 28556 |
| 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 | 2163 |
| Delivery Business | 33 |
| Delivery Total | 2752 |
| Preferred Last Line Key | Y12241 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y12241 |
| Land Area | 190.359000 |
| Water Area | 5.407000 |
| City Alias Code | |
| City Mixed Case | Lewiston |
| City Alias Mixed Case | Lewiston |
| Box Count | 480 |
| SFDU | 2081 |
| MFDU | 42 |
| State ANSI | 26 |
| County ANSI | 119 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 255420 |
| Unique ZIP Name | |
| SSA State County Code | 23590 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 15 |
| County Mixed Case | Montmorency |
Michigan Homeowners Insurance News & Information
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]