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49945 Home Insurance Rates
Getting multiple homeowners insurance rates in 49945 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Lake Linden, MI. Many homeowners based out of the 49945 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Michigan licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 49945 should appear in the zip code field ready to go. For Lake Linden, MI Home Insurance Quotes, Click to easily get started!
49945 Homeowners Insurance Rates, Average Rating: Medium!
Your homeowners insurance policy in 49945 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Lake Linden. For a basic HO-3, standard homeowners policy, the average premium per year in Michigan is around $753. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 49945 zip code today and let us help you save time and money on your homeowners insurance premium.
49945 Home Insurance Average Premiums
$503 /yr.
Shows Zip Code: 49945 lowest rates with discounts applied on average.
For the 49945, 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) | $503 /yr. |
| Average Coverage: | $753 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1053 /yr. |
What is the average home insurance cost for a home in 49945?
- • The average homeowners insurance premium paid annually for a home in 49945 is around $753 per year.
What does it cost on average per month for home insurance in 49945?
- • Homeowners in 49945 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 49945?
- • Autoowners in 49945 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 Lake Linden area, check out other zip codes nearby 49945.
Review average rates in another zip code:
49945 homeowners insurance rates
Home Replacement Cost Coverage in 49945
Average Building Cost Per Square Foot in 49945: $132
Location: Lake Linden, Michigan (Houghton County)Average Square Footage in 49945: 837 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49945 before you start any project. Lake Linden 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 49945 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 49945 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 837 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 Lake Linden 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 | 837 | $110,500 |
| Additional Upgrades & Added Features | $165 | 837 | $138,125 |
| Major Home Updates or Advancements | $198 | 837 | $165,750 |
It's important to understand that when you estimate your replacement cost of your home in the 49945 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 49945
Best Home & Auto Insurance Agencies in 49945
Chop-Kallio Insurance Agency
Address: 322 Calumet St Lake Linden, MI 49945Phone:
Website:
Info:
Housing Demographics for 49945
Population Review for 49945 Zip Code
For the city of Lake Linden, the population within 49945 has increased to over 3,237 residents in population size. The current population total is 2,650. We have broken down the population based on race below. In 49945, there are over 1311 in male population and 1339 females.
| Population | Values |
|---|---|
| Total Population | 2,650 |
| White Population | 2507 |
| Black Population | 8 |
| Hispanic Population | 25 |
| Asian Population | 4 |
| Hawaiian Population | 1 |
| Indian Population | 5 |
| Other Population | 23 |
| Male Population | 1311 |
| Female Population | 1339 |
| Population Estimate | 3237 |
Household Data for 49945
The average number of homes in 49945 is around 1,225, there are an average of 2.16 per household. The average house value according to local real estate values is around $110,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,225 |
| Persons Per Household | 2.16 |
| Average House Value | $110,500 |
| Income Per Household | $44952 |
| Median Age | 51.2 |
| Median Age Male | 51.0 |
| Median Age Female | 51.6 |
| 49945 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 906 |
| City | Lake Linden |
| City Alias Name | LAKE LINDEN |
| County | Houghton |
| County FIPS | 061 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 26340 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Houghton, MI |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 44 |
| Number Of Employees | 180 |
| Business First Quarter Payroll | 1130 |
| Business Annual Payroll | 5983 |
| 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 | 38784 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 25027.75 |
| Delivery Residential | 1499 |
| Delivery Business | 47 |
| Delivery Total | 1626 |
| Preferred Last Line Key | Y12203 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y12203 |
| Land Area | 149.013000 |
| Water Area | 18.698000 |
| City Alias Code | |
| City Mixed Case | Lake Linden |
| City Alias Mixed Case | Lake Linden |
| Box Count | 72 |
| SFDU | 1425 |
| MFDU | 74 |
| State ANSI | 26 |
| County ANSI | 061 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 255170 |
| Unique ZIP Name | |
| SSA State County Code | 23300 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 16 |
| County Mixed Case | Houghton |
Michigan Homeowners Insurance News & Information
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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 […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]
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2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]