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Searching for Homeowners Insurance in 49643

If you are a homeowners that lives in 49643 you may be searching for more affordable homeowners insurance in Interlochen. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Interlochen, MI. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Michigan licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 49643 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Interlochen, MI home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 49643 Home Insurance Costs: medium!

In Interlochen, homeowners are paying roughly $737 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 49643 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Interlochen are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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49643 Home Insurance Average Premiums

Local 49643 homeowners insurance quotes comparison

$487 /yr.

Shows Zip Code: 49643 lowest rates with discounts applied on average.

For the 49643, 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)
$487 /yr.
Average Coverage:$737 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1037 /yr.

What is the average home insurance cost for a home in 49643?

  • • The average homeowners insurance premium paid annually for a home in 49643 is around $737 per year.

What does it cost on average per month for home insurance in 49643?

  • • Homeowners in 49643 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 49643?

  • • Autoowners in 49643 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 Interlochen, check out other zip codes nearby 49643.
To review average rates in another zip code, click on a zip code below:
49643  | 

Home Replacement Cost Coverage in 49643

Average Building Cost Per Square Foot in 49643: $132

Location: Interlochen, Michigan (Grand Traverse County)

Average Square Footage in 49643: 1,638 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49643 before you start any project. Interlochen 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 49643 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 49643 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,638 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 Interlochen 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$1321,638$216,200
Additional Upgrades & Added Features$1651,638$270,250
Major Home Updates or Advancements$1981,638$324,300

It's important to understand that when you estimate your replacement cost of your home in the 49643 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 49643

Best Home & Auto Insurance Agencies in 49643

Housing Demographics for 49643

Population Review for 49643 Zip Code

For the city of Interlochen, the population within 49643 has increased to over 7,747 residents in population size. The current population total is 7,379. We have broken down the population based on race below. In 49643, there are over 3800 in male population and 3579 females.

PopulationValues
Total Population7,379
White Population6708
Black Population58
Hispanic Population270
Asian Population31
Hawaiian Population1
Indian Population53
Other Population120
Male Population3800
Female Population3579
Population Estimate7747

Household Data for 49643

The average number of homes in 49643 is around 2,799, there are an average of 2.48 per household. The average house value according to local real estate values is around $216,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,799
Persons Per Household2.48
Average House Value$216,200
Income Per Household$74458
Median Age41.1
Median Age Male40.6
Median Age Female41.5
49643 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code231
CityInterlochen
City Alias NameINTERLOCHEN
CountyGrand Traverse
County FIPS055
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA45900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameTraverse City, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses97
Number Of Employees929
Business First Quarter Payroll7455
Business Annual Payroll42800
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population143372
CBSA Division Population0
Congressional District01
Congressional LandArea25027.75
Delivery Residential3124
Delivery Business75
Delivery Total3508
Preferred Last Line KeyY12124
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY12124
Land Area59.570000
Water Area4.966000
City Alias Code
City Mixed CaseInterlochen
City Alias Mixed CaseInterlochen
Box Count222
SFDU2986
MFDU67
State ANSI26
County ANSI055
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number254700
Unique ZIP Name
SSA State County Code23270
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID14
County Mixed CaseGrand Traverse

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.  […]