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Compare 49764 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Oden just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 30 neighbors looking to save on their home insurance policy in the local 49764 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 49764. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Michigan rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Oden, MI home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Oden, MI

49764 Home Insurance Average Premiums

Local 49764 homeowners insurance quotes comparison

$500 /yr.

Shows Zip Code: 49764 lowest rates with discounts applied on average.

For the 49764, 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)
$500 /yr.
Average Coverage:$750 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1050 /yr.

What is the average home insurance cost for a home in 49764?

  • • The average homeowners insurance premium paid annually for a home in 49764 is around $750 per year.

What does it cost on average per month for home insurance in 49764?

  • • Homeowners in 49764 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 49764?

  • • Autoowners in 49764 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 Oden area, check out other zip codes nearby 49764.
Review average rates in another zip code:
49764 homeowners insurance rates

Home Replacement Cost Coverage in 49764

Average Building Cost Per Square Foot in 49764: $132

Location: Oden, Michigan (Emmet County)

Average Square Footage in 49764: 1,250 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49764 before you start any project. Oden 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 49764 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 49764 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,250 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 Oden 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$1321,250$165,000
Additional Upgrades & Added Features$1651,250$206,250
Major Home Updates or Advancements$1981,250$247,500

It's important to understand that when you estimate your replacement cost of your home in the 49764 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 49764

Best Home & Auto Insurance Agencies in 49764

Housing Demographics for 49764

Population Review for 49764 Zip Code

For the city of Oden, the population within 49764 has increased to over 0 residents in population size. The current population total is 72. We have broken down the population based on race below. In 49764, there are over 43 in male population and 29 females.

PopulationValues
Total Population72
White Population61
Black Population0
Hispanic Population5
Asian Population0
Hawaiian Population0
Indian Population2
Other Population0
Male Population43
Female Population29
Population Estimate0

Household Data for 49764

The average number of homes in 49764 is around 30, there are an average of 2.40 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode30
Persons Per Household2.40
Average House Value$165,000
Income Per Household$0
Median Age52.5
Median Age Male37.8
Median Age Female62.6
49764 DetailsValues
StateMI
State Full NameMichigan
City TypeZ
City Alias Abbreviation
Area Code231
CityOden
City Alias NameODEN
CountyEmmet
County FIPS047
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA37950
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePetoskey, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees30
Business First Quarter Payroll124
Business Annual Payroll945
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 Residential0
Delivery Business0
Delivery Total111
Preferred Last Line KeyY12502
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY12502
Land Area0.037000
Water Area0.000000
City Alias Code
City Mixed CaseOden
City Alias Mixed CaseOden
Box Count104
SFDU0
MFDU0
State ANSI26
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number256970
Unique ZIP Name
SSA State County Code23230
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID14
County Mixed CaseEmmet

Michigan Homeowners Insurance News & Information

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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 […]