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49807 Home Insurance Quotes & Rates
Currently, the 1,360 homes within the 49807 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Michigan is around $821 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Bark River, MI, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 49807.
Michigan is now ranking #44 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Bark River home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Michigan has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 49807 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Bark River, Michigan home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Bark River, MI Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
49807 Home Insurance Average Premiums
$571 /yr.
Shows Zip Code: 49807 lowest rates with discounts applied on average.
For the 49807, 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) | $571 /yr. |
| Average Coverage: | $821 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1121 /yr. |
What is the average home insurance cost for a home in 49807?
- • The average homeowners insurance premium paid annually for a home in 49807 is around $821 per year.
What does it cost on average per month for home insurance in 49807?
- • Homeowners in 49807 pay a monthly average cost per month around $68.00.
What kind of discount could I get if I combine my home and auto insurance together in 49807?
- • Autoowners in 49807 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 Bark River, check out other zip codes nearby 49807.
To review average rates in another zip code, click on a zip code below:
49807 |
Home Replacement Cost Coverage in 49807
Average Building Cost Per Square Foot in 49807: $132
Location: Bark River, Michigan (Delta County)Average Square Footage in 49807: 995 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 49807 before you start any project. Bark River 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 49807 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 49807 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 995 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 Bark River 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 | 995 | $131,400 |
| Additional Upgrades & Added Features | $165 | 995 | $164,250 |
| Major Home Updates or Advancements | $198 | 995 | $197,100 |
It's important to understand that when you estimate your replacement cost of your home in the 49807 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 49807
Best Home & Auto Insurance Agencies in 49807
Housing Demographics for 49807
Population Review for 49807 Zip Code
For the city of Bark River, the population within 49807 has increased to over 3,374 residents in population size. The current population total is 3,307. We have broken down the population based on race below. In 49807, there are over 1702 in male population and 1605 females.
| Population | Values |
|---|---|
| Total Population | 3,307 |
| White Population | 2993 |
| Black Population | 3 |
| Hispanic Population | 50 |
| Asian Population | 14 |
| Hawaiian Population | 0 |
| Indian Population | 104 |
| Other Population | 18 |
| Male Population | 1702 |
| Female Population | 1605 |
| Population Estimate | 3374 |
Household Data for 49807
The average number of homes in 49807 is around 1,360, there are an average of 2.41 per household. The average house value according to local real estate values is around $131,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,360 |
| Persons Per Household | 2.41 |
| Average House Value | $131,400 |
| Income Per Household | $62222 |
| Median Age | 48.3 |
| Median Age Male | 46.8 |
| Median Age Female | 49.4 |
| 49807 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 906 |
| City | Bark River |
| City Alias Name | BARK RIVER |
| County | Delta |
| County FIPS | 041 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 21540 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Escanaba, MI |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 52 |
| Number Of Employees | 240 |
| Business First Quarter Payroll | 1940 |
| Business Annual Payroll | 9676 |
| 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 | 37069 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 25027.75 |
| Delivery Residential | 1400 |
| Delivery Business | 21 |
| Delivery Total | 1502 |
| Preferred Last Line Key | Y11399 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y11399 |
| Land Area | 143.484000 |
| Water Area | 12.800000 |
| City Alias Code | |
| City Mixed Case | Bark River |
| City Alias Mixed Case | Bark River |
| Box Count | 53 |
| SFDU | 1364 |
| MFDU | 30 |
| State ANSI | 26 |
| County ANSI | 041 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 250610 |
| Unique ZIP Name | |
| SSA State County Code | 23200 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 16 |
| County Mixed Case | Delta |
Michigan Homeowners Insurance News & Information
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
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New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]