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49858 Home Insurance Rates & Premiums

Did you know there are over 11,939 people living within the 49858 zip code area? There are over 5,724 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 49858.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $813 a year for a standard homeowners insurance policy in Menominee. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Menominee, MI Homeowners Insurance Quotes Online

49858 Home Insurance Average Premiums

Local 49858 homeowners insurance quotes comparison

$563 /yr.

Shows Zip Code: 49858 lowest rates with discounts applied on average.

For the 49858, 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)
$563 /yr.
Average Coverage:$813 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1113 /yr.

What is the average home insurance cost for a home in 49858?

  • • The average homeowners insurance premium paid annually for a home in 49858 is around $813 per year.

What does it cost on average per month for home insurance in 49858?

  • • Homeowners in 49858 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 49858?

  • • Autoowners in 49858 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 Menominee, check out other zip codes nearby 49858.
To review average rates in another zip code, click on a zip code below:
49858  | 

Home Replacement Cost Coverage in 49858

Average Building Cost Per Square Foot in 49858: $132

Location: Menominee, Michigan (Menominee County)

Average Square Footage in 49858: 774 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 49858 before you start any project. Menominee 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 49858 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 49858 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 774 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 Menominee 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$132774$102,200
Additional Upgrades & Added Features$165774$127,750
Major Home Updates or Advancements$198774$153,300

It's important to understand that when you estimate your replacement cost of your home in the 49858 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 49858

Best Home & Auto Insurance Agencies in 49858

Jim Hodge Ins Agy Inc - State Farm Insurance Agent

Address: 3840 10th St Menominee, MI 49858
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Kudlicki- Sally R - State Farm Insurance Agent

Address: 1520 10th St Menominee, MI 49858
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Fluke E Michael Insurance

Address: 1205 10th Ave Menominee, MI 49858
Phone:
Website: http://www.myaffordable.com
Info:

Housing Demographics for 49858

Population Review for 49858 Zip Code

For the city of Menominee, the population within 49858 has increased to over 12,230 residents in population size. The current population total is 11,939. We have broken down the population based on race below. In 49858, there are over 6062 in male population and 5877 females.

PopulationValues
Total Population11,939
White Population11117
Black Population95
Hispanic Population314
Asian Population64
Hawaiian Population1
Indian Population78
Other Population91
Male Population6062
Female Population5877
Population Estimate12230

Household Data for 49858

The average number of homes in 49858 is around 5,724, there are an average of 2.06 per household. The average house value according to local real estate values is around $102,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,724
Persons Per Household2.06
Average House Value$102,200
Income Per Household$51748
Median Age48.7
Median Age Male46.5
Median Age Female50.8
49858 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code906
CityMenominee
City Alias NameMENOMINEE
CountyMenominee
County FIPS109
State FIPS26
Time Zone6
Day Light SavingY
MSA
PMSA
CSA361
CBSA31940
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMarinette, WI-MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses260
Number Of Employees3703
Business First Quarter Payroll36023
Business Annual Payroll163590
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population65778
CBSA Division Population0
Congressional District01
Congressional LandArea25027.75
Delivery Residential5937
Delivery Business339
Delivery Total7475
Preferred Last Line KeyY12355
Classification Code
Multi-County
CSA NameMarinette-Iron Mountain, WI-MI
CBSA_DIV_Name
City State KeyY12355
Land Area86.808000
Water Area11.564000
City Alias Code
City Mixed CaseMenominee
City Alias Mixed CaseMenominee
Box Count159
SFDU5175
MFDU455
State ANSI26
County ANSI109
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number256040
Unique ZIP Name
SSA State County Code23540
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID16
County Mixed CaseMenominee

Michigan Homeowners Insurance News & Information

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    Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]

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    Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]