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Searching for Homeowners Insurance in 49736

If you are a homeowners that lives in 49736 you may be searching for more affordable homeowners insurance in Goetzville. 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 Goetzville, 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 49736 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 Goetzville, MI home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 49736 Home Insurance Costs: medium!

In Goetzville, homeowners are paying roughly $764 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 49736 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 Goetzville are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 49736 policy right now!

49736 Home Insurance Average Premiums

Local 49736 homeowners insurance quotes comparison

$514 /yr.

Shows Zip Code: 49736 lowest rates with discounts applied on average.

For the 49736, 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)
$514 /yr.
Average Coverage:$764 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1064 /yr.

What is the average home insurance cost for a home in 49736?

  • • The average homeowners insurance premium paid annually for a home in 49736 is around $764 per year.

What does it cost on average per month for home insurance in 49736?

  • • Homeowners in 49736 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 49736?

  • • Autoowners in 49736 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 Goetzville, check out other zip codes nearby 49736.
To review average rates in another zip code, click on a zip code below:
49736  | 

Home Replacement Cost Coverage in 49736

Average Building Cost Per Square Foot in 49736: $132

Location: Goetzville, Michigan (Chippewa County)

Average Square Footage in 49736: 848 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49736 before you start any project. Goetzville 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 49736 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 49736 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 848 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 Goetzville 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$132848$112,000
Additional Upgrades & Added Features$165848$140,000
Major Home Updates or Advancements$198848$168,000

It's important to understand that when you estimate your replacement cost of your home in the 49736 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 49736

Best Home & Auto Insurance Agencies in 49736

Housing Demographics for 49736

Population Review for 49736 Zip Code

For the city of Goetzville, the population within 49736 has increased to over 676 residents in population size. The current population total is 557. We have broken down the population based on race below. In 49736, there are over 292 in male population and 265 females.

PopulationValues
Total Population557
White Population467
Black Population0
Hispanic Population12
Asian Population0
Hawaiian Population0
Indian Population40
Other Population11
Male Population292
Female Population265
Population Estimate676

Household Data for 49736

The average number of homes in 49736 is around 249, there are an average of 2.24 per household. The average house value according to local real estate values is around $112,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode249
Persons Per Household2.24
Average House Value$112,000
Income Per Household$39792
Median Age54.5
Median Age Male52.7
Median Age Female56.6
49736 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code906
CityGoetzville
City Alias NameGOETZVILLE
CountyChippewa
County FIPS033
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA42300
CBSA_DIV
CBSA_TypeMicro
CBSA_NameSault Ste. Marie, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses10
Number Of Employees33
Business First Quarter Payroll253
Business Annual Payroll1583
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population38520
CBSA Division Population0
Congressional District01
Congressional LandArea25027.75
Delivery Residential302
Delivery Business3
Delivery Total1303
Preferred Last Line KeyY11956
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY11956
Land Area73.357000
Water Area24.373000
City Alias Code
City Mixed CaseGoetzville
City Alias Mixed CaseGoetzville
Box Count33
SFDU302
MFDU0
State ANSI26
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number253800
Unique ZIP Name
SSA State County Code23160
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID15
County Mixed CaseChippewa

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.  […]