49677 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 49677 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Reed City, MI quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 49677.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 49677 and start shopping.

Quickly and Easily Compare Average Rates for 49677

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

Average Policy Rates in 49677

Homeowners in Reed City are paying roughly $729 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

Save on 49677 Home Insurance Quotes right now!

Average Building Cost Per Square Foot in 49677: $132

Average Square Footage in 49677: 748 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49677 before you start any project. Reed City 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 49677 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 49677 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 748 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 Reed City 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.

It's important to understand that when you estimate your replacement cost of your home in the 49677 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.

Sheldon- Richard D

Household Data for 49677

The average number of homes in 49677 is around 2,720, there are an average of 2.46 per household. The average house value according to local real estate values is around $98,700. Please review the following demographics below for average income and media age.

• 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.  […]

• 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

  Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]