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49253 Home Insurance Rates & Premiums

Did you know there are over 3,095 people living within the 49253 zip code area? There are over 1,371 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 49253.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $758 a year for a standard homeowners insurance policy in Manitou Beach. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Manitou Beach, MI Homeowners Insurance Quotes Online

49253 Home Insurance Average Premiums

Local 49253 homeowners insurance quotes comparison

$508 /yr.

Shows Zip Code: 49253 lowest rates with discounts applied on average.

For the 49253, 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)		$508 /yr.
Average Coverage:$758 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1058 /yr.

What is the average home insurance cost for a home in 49253?

  • • The average homeowners insurance premium paid annually for a home in 49253 is around $758 per year.

What does it cost on average per month for home insurance in 49253?

  • • Homeowners in 49253 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 49253?

  • • Autoowners in 49253 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 Manitou Beach, check out other zip codes nearby 49253.
To review average rates in another zip code, click on a zip code below:
49253  | 

Home Replacement Cost Coverage in 49253

Average Building Cost Per Square Foot in 49253: $132

Location: Manitou Beach, Michigan (Lenawee County)

Average Square Footage in 49253: 1,445 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49253 before you start any project. Manitou Beach 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 49253 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 49253 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,445 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 Manitou Beach 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$1321,445$190,700
Additional Upgrades & Added Features$1651,445$238,375
Major Home Updates or Advancements$1981,445$286,050

It's important to understand that when you estimate your replacement cost of your home in the 49253 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 49253

Best Home & Auto Insurance Agencies in 49253

Housing Demographics for 49253

Population Review for 49253 Zip Code

For the city of Manitou Beach, the population within 49253 has increased to over 3,523 residents in population size. The current population total is 3,095. We have broken down the population based on race below. In 49253, there are over 1574 in male population and 1521 females.

PopulationValues
Total Population3,095
White Population2877
Black Population10
Hispanic Population91
Asian Population8
Hawaiian Population1
Indian Population9
Other Population22
Male Population1574
Female Population1521
Population Estimate3523

Household Data for 49253

The average number of homes in 49253 is around 1,371, there are an average of 2.26 per household. The average house value according to local real estate values is around $190,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,371
Persons Per Household2.26
Average House Value$190,700
Income Per Household$71414
Median Age50.1
Median Age Male49.4
Median Age Female51.1
49253 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code517
CityManitou Beach
City Alias NameMANITOU BEACH
CountyLenawee
County FIPS091
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA0440
CSA220
CBSA10300
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAdrian, MI
MSA_NameDetroit-Ann Arbor-Flint, MI CMSA
PMSA_NameAnn Arbor, MI PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses41
Number Of Employees217
Business First Quarter Payroll1466
Business Annual Payroll8374
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population99892
CBSA Division Population0
Congressional District05
Congressional LandArea2348.7
Delivery Residential1559
Delivery Business27
Delivery Total1783
Preferred Last Line KeyY12304
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY12304
Land Area23.600000
Water Area2.858000
City Alias Code
City Mixed CaseManitou Beach
City Alias Mixed CaseManitou Beach
Box Count96
SFDU1428
MFDU0
State ANSI26
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number255740
Unique ZIP Name
SSA State County Code23450
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseLenawee

Michigan Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]