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49910, MI Home Insurance

In the zip code of 49910, the population size is around 297, which consists of 174 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Bergland, MI. A few years ago, a study was done and found that the average home insurance rates for Michigan are around $713 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 49910 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Bergland. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Bergland, MI Homeowners Insurance Online Rates Today!

49910 Home Insurance Average Premiums

Local 49910 homeowners insurance quotes comparison

$463 /yr.

Shows Zip Code: 49910 lowest rates with discounts applied on average.

For the 49910, 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)
$463 /yr.
Average Coverage:$713 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1013 /yr.

What is the average home insurance cost for a home in 49910?

  • • The average homeowners insurance premium paid annually for a home in 49910 is around $713 per year.

What does it cost on average per month for home insurance in 49910?

  • • Homeowners in 49910 pay a monthly average cost per month around $59.00.

What kind of discount could I get if I combine my home and auto insurance together in 49910?

  • • Autoowners in 49910 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 Bergland area, check out other zip codes nearby 49910.
Review average rates in another zip code:
49910 homeowners insurance rates

Home Replacement Cost Coverage in 49910

Average Building Cost Per Square Foot in 49910: $132

Location: Bergland, Michigan (Ontonagon County)

Average Square Footage in 49910: 1,358 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49910 before you start any project. Bergland 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 49910 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 49910 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,358 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 Bergland 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$1321,358$179,200
Additional Upgrades & Added Features$1651,358$224,000
Major Home Updates or Advancements$1981,358$268,800

It's important to understand that when you estimate your replacement cost of your home in the 49910 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 49910

Best Home & Auto Insurance Agencies in 49910

Housing Demographics for 49910

Population Review for 49910 Zip Code

For the city of Bergland, the population within 49910 has increased to over 71 residents in population size. The current population total is 297. We have broken down the population based on race below. In 49910, there are over 149 in male population and 148 females.

PopulationValues
Total Population297
White Population275
Black Population1
Hispanic Population2
Asian Population0
Hawaiian Population0
Indian Population12
Other Population0
Male Population149
Female Population148
Population Estimate71

Household Data for 49910

The average number of homes in 49910 is around 174, there are an average of 1.71 per household. The average house value according to local real estate values is around $179,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode174
Persons Per Household1.71
Average House Value$179,200
Income Per Household$32778
Median Age64.4
Median Age Male65.3
Median Age Female63.3
49910 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code906
CityBergland
City Alias NameBERGLAND
CountyOntonagon
County FIPS131
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 Businesses13
Number Of Employees62
Business First Quarter Payroll202
Business Annual Payroll824
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 Residential42
Delivery Business0
Delivery Total384
Preferred Last Line KeyY11433
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY11433
Land Area41.979000
Water Area9.574000
City Alias Code
City Mixed CaseBergland
City Alias Mixed CaseBergland
Box Count182
SFDU42
MFDU0
State ANSI26
County ANSI131
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number250880
Unique ZIP Name
SSA State County Code23650
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID16
County Mixed CaseOntonagon

Michigan Homeowners Insurance News & Information

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