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If you live in the 49022 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Benton Harbor have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
Our service is always free and we not only find a great policy for you, our MI licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.
It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 49022 and then compare quotes from a variety of nationwide insurance companies.
49022 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 49022 the average premium for homeowners coverage is $728 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 49022. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
Get Free Home Insurance Quotes in 49022 Today!
We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
Click to review the best Benton Harbor, MI home insurance quotes in your area.
49022 Home Insurance Average Premiums
$478 /yr.
Shows Zip Code: 49022 lowest rates with discounts applied on average.
For the 49022, 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) | $478 /yr. |
| Average Coverage: | $728 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1028 /yr. |
What is the average home insurance cost for a home in 49022?
- • The average homeowners insurance premium paid annually for a home in 49022 is around $728 per year.
What does it cost on average per month for home insurance in 49022?
- • Homeowners in 49022 pay a monthly average cost per month around $61.00.
What kind of discount could I get if I combine my home and auto insurance together in 49022?
- • Autoowners in 49022 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.
You can easily shop and compare home insurance rates within Benton Harbor, check out other zip codes nearby 49022.
To review average rates in another zip code, click on a zip code below:
49022 |
Home Replacement Cost Coverage in 49022
Average Building Cost Per Square Foot in 49022: $132
Location: Benton Harbor, Michigan (Berrien County)Average Square Footage in 49022: 809 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49022 before you start any project. Benton Harbor 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 49022 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 49022 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 809 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 Benton Harbor 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 | 809 | $106,800 |
| Additional Upgrades & Added Features | $165 | 809 | $133,500 |
| Major Home Updates or Advancements | $198 | 809 | $160,200 |
It's important to understand that when you estimate your replacement cost of your home in the 49022 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 49022
Best Home & Auto Insurance Agencies in 49022
Lull- Heidi M
Address: 271 E Napier Ave Benton Harbor, MI 49022Phone:
Website:
Info:
Holton A Richard Insurance
Address: 1442 E Napier Ave Benton Harbor, MI 49022Phone:
Website:
Info:
L A Insurance
Address: 2004 M 139 Benton Harbor, MI 49022Phone:
Website:
Info:
ALF Insurance Agency
Address: 1682 Berrien Ave Benton Harbor, MI 49022Phone:
Website:
Info:
Arlan's Insurance Center
Address: 1681 Reeder Ave Benton Harbor, MI 49022Phone:
Website:
Info:
Housing Demographics for 49022
Population Review for 49022 Zip Code
For the city of Benton Harbor, the population within 49022 has increased to over 32,046 residents in population size. The current population total is 30,143. We have broken down the population based on race below. In 49022, there are over 14357 in male population and 15786 females.
| Population | Values |
|---|---|
| Total Population | 30,143 |
| White Population | 11314 |
| Black Population | 15556 |
| Hispanic Population | 2061 |
| Asian Population | 124 |
| Hawaiian Population | 15 |
| Indian Population | 163 |
| Other Population | 1213 |
| Male Population | 14357 |
| Female Population | 15786 |
| Population Estimate | 32046 |
Household Data for 49022
The average number of homes in 49022 is around 12,230, there are an average of 2.45 per household. The average house value according to local real estate values is around $106,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 12,230 |
| Persons Per Household | 2.45 |
| Average House Value | $106,800 |
| Income Per Household | $33402 |
| Median Age | 38.6 |
| Median Age Male | 37.1 |
| Median Age Female | 39.6 |
| 49022 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 269 |
| City | Benton Harbor |
| City Alias Name | BENTON HARBOR |
| County | Berrien |
| County FIPS | 021 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 0870 |
| PMSA | |
| CSA | 515 |
| CBSA | 35660 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Niles, MI |
| MSA_Name | Benton Harbor, MI MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 663 |
| Number Of Employees | 11615 |
| Business First Quarter Payroll | 407837 |
| Business Annual Payroll | 973421 |
| 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 | 156813 |
| CBSA Division Population | 0 |
| Congressional District | 04|05|06 |
| Congressional LandArea | 8457.8|2348.7|3546.74 |
| Delivery Residential | 13080 |
| Delivery Business | 1033 |
| Delivery Total | 14187 |
| Preferred Last Line Key | Y11430 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | South Bend-Elkhart-Mishawaka, IN-MI |
| CBSA_DIV_Name | |
| City State Key | Y11430 |
| Land Area | 67.265000 |
| Water Area | 3.204000 |
| City Alias Code | |
| City Mixed Case | Benton Harbor |
| City Alias Mixed Case | Benton Harbor |
| Box Count | 0 |
| SFDU | 10514 |
| MFDU | 1508 |
| State ANSI | 26 |
| County ANSI | 021 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 250860 |
| Unique ZIP Name | |
| SSA State County Code | 23100 |
| Medicare CBSA Code | 35660 |
| Medicare CBSA Name | Niles, MI |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 9 |
| County Mixed Case | Berrien |
Michigan Homeowners Insurance News & Information
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Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025
According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales. While high home prices and elevated interest rates […]