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49762 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 49762? There are over 321 occupied homes in the 49762 area. With a population size of 602, it's not uncommon for residence of Naubinway, MI to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Michigan is around $743 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 49762 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Naubinway, MI Home Insurance Rate Quotes

49762 Home Insurance Average Premiums

Local 49762 homeowners insurance quotes comparison

$493 /yr.

Shows Zip Code: 49762 lowest rates with discounts applied on average.

For the 49762, 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)		$493 /yr.
Average Coverage:$743 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1043 /yr.

What is the average home insurance cost for a home in 49762?

  • • The average homeowners insurance premium paid annually for a home in 49762 is around $743 per year.

What does it cost on average per month for home insurance in 49762?

  • • Homeowners in 49762 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 49762?

  • • Autoowners in 49762 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 Naubinway area, check out other zip codes nearby 49762.
Review average rates in another zip code:
49762 homeowners insurance rates

Home Replacement Cost Coverage in 49762

Average Building Cost Per Square Foot in 49762: $132

Location: Naubinway, Michigan (Mackinac County)

Average Square Footage in 49762: 825 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49762 before you start any project. Naubinway 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 49762 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 49762 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 825 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 Naubinway 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$132825$108,900
Additional Upgrades & Added Features$165825$136,125
Major Home Updates or Advancements$198825$163,350

It's important to understand that when you estimate your replacement cost of your home in the 49762 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 49762

Best Home & Auto Insurance Agencies in 49762

Housing Demographics for 49762

Population Review for 49762 Zip Code

For the city of Naubinway, the population within 49762 has increased to over 466 residents in population size. The current population total is 602. We have broken down the population based on race below. In 49762, there are over 301 in male population and 301 females.

PopulationValues
Total Population602
White Population461
Black Population3
Hispanic Population7
Asian Population1
Hawaiian Population1
Indian Population81
Other Population4
Male Population301
Female Population301
Population Estimate466

Household Data for 49762

The average number of homes in 49762 is around 321, there are an average of 1.88 per household. The average house value according to local real estate values is around $108,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode321
Persons Per Household1.88
Average House Value$108,900
Income Per Household$51875
Median Age62.4
Median Age Male63.4
Median Age Female61.4
49762 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code906/231
CityNaubinway
City Alias NameNAUBINWAY
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 Businesses29
Number Of Employees72
Business First Quarter Payroll486
Business Annual Payroll2149
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 Residential248
Delivery Business3
Delivery Total445
Preferred Last Line KeyY12445
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY12445
Land Area220.317000
Water Area88.331000
City Alias Code
City Mixed CaseNaubinway
City Alias Mixed CaseNaubinway
Box Count164
SFDU248
MFDU0
State ANSI26
County ANSI097
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number256600
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 […]