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If you live in the 49544 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Grand Rapids have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
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It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 49544 and then compare quotes from a variety of nationwide insurance companies.
49544 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 49544 the average premium for homeowners coverage is $765 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 49544. 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.
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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.
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49544 Home Insurance Average Premiums
For the 49544, 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) | $515 /yr. |
Average Coverage: | $765 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1065 /yr. |
What is the average home insurance cost for a home in 49544?
- • The average homeowners insurance premium paid annually for a home in 49544 is around $765 per year.
What does it cost on average per month for home insurance in 49544?
- • Homeowners in 49544 pay a monthly average cost per month around $64.00.
What kind of discount could I get if I combine my home and auto insurance together in 49544?
- • Autoowners in 49544 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 Grand Rapids area, check out other zip codes nearby 49544.
Review average rates in another zip code:
49504 homeowners insurance rates
49525 homeowners insurance rates
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49548 homeowners insurance rates
49534 homeowners insurance rates
49512 homeowners insurance rates
49546 homeowners insurance rates
49505 homeowners insurance rates
49508 homeowners insurance rates
Home Replacement Cost Coverage in 49544
Average Building Cost Per Square Foot in 49544: $132
Location: Grand Rapids, Michigan (Kent County)Average Square Footage in 49544: 1,457 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49544 before you start any project. Grand Rapids 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 49544 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 49544 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,457 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 Grand Rapids 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 | 1,457 | $192,300 |
Additional Upgrades & Added Features | $165 | 1,457 | $240,375 |
Major Home Updates or Advancements | $198 | 1,457 | $288,450 |
It's important to understand that when you estimate your replacement cost of your home in the 49544 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 49544
Devries and Royston Insurance Agency
Address: 4161 Lake Michigan Drive Northwest Grand Rapids, MI 49544Phone: (616)453-2000
Website:
Breuker Andrew H Insurance
Address: 975 3 Mile Road Northwest Grand Rapids, MI 49544Phone: (616)784-3322
Website:
Jensen Jerry Insurance
Address: 975 3 Mile Road Northwest Grand Rapids, MI 49544Phone: (616)784-3322
Website:
Best Home & Auto Insurance Agencies in 49544
Dionise- Alfred
Address: 1199 High Point Dr NW Walker, MI 49544Phone:
Website:
Info:
Breuker Andrew H Insurance
Address: 975 3 Mile Rd NW Grand Rapids, MI 49544Phone:
Website:
Info:
Housing Demographics for 49544
Population Review for 49544 Zip Code
For the city of Grand Rapids, the population within 49544 has increased to over 9,576 residents in population size. The current population total is 9,514. We have broken down the population based on race below. In 49544, there are over 4724 in male population and 4790 females.
Population | Values |
---|---|
Total Population | 9,514 |
White Population | 7498 |
Black Population | 506 |
Hispanic Population | 867 |
Asian Population | 348 |
Hawaiian Population | 1 |
Indian Population | 57 |
Other Population | 391 |
Male Population | 4724 |
Female Population | 4790 |
Population Estimate | 9576 |
Household Data for 49544
The average number of homes in 49544 is around 3,907, there are an average of 2.39 per household. The average house value according to local real estate values is around $192,300. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 3,907 |
Persons Per Household | 2.39 |
Average House Value | $192,300 |
Income Per Household | $56780 |
Median Age | 34.6 |
Median Age Male | 34.3 |
Median Age Female | 34.9 |
49544 Details | Values |
---|---|
State | MI |
State Full Name | Michigan |
City Type | P |
City Alias Abbreviation | |
Area Code | 616 |
City | Grand Rapids |
City Alias Name | GRAND RAPIDS |
County | Kent |
County FIPS | 081 |
State FIPS | 26 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | 3000 |
PMSA | |
CSA | 266 |
CBSA | 24340 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Grand Rapids-Wyoming-Kentwood, MI |
MSA_Name | Grand Rapids-Muskegon-Holland, MI MSA |
PMSA_Name | |
Region | Midwest |
Division | East North Central |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 547 |
Number Of Employees | 16692 |
Business First Quarter Payroll | 254367 |
Business Annual Payroll | 997976 |
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 | 774160 |
CBSA Division Population | 0 |
Congressional District | 03 |
Congressional LandArea | 2628.74 |
Delivery Residential | 4007 |
Delivery Business | 567 |
Delivery Total | 6034 |
Preferred Last Line Key | Y11979 |
Classification Code | |
Multi-County | Y |
CSA Name | Grand Rapids-Wyoming, MI |
CBSA_DIV_Name | |
City State Key | Y11979 |
Land Area | 19.887000 |
Water Area | 0.187000 |
City Alias Code | |
City Mixed Case | Grand Rapids |
City Alias Mixed Case | Grand Rapids |
Box Count | 0 |
SFDU | 2247 |
MFDU | 656 |
State ANSI | 26 |
County ANSI | 081 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | Y |
Carrier Route Rate Sortation | D |
Finance Number | 253920 |
Unique ZIP Name | |
SSA State County Code | 23400 |
Medicare CBSA Code | 24340 |
Medicare CBSA Name | Grand Rapids-Kentwood, MI |
Medicare CBSA Type | Metro |
Market Rating Area ID | 12 |
County Mixed Case | Kent |
Michigan Homeowners Insurance News & Information
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Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024
According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums. While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]
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Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024
As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]
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Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]