Get multiple home insurance quotes in 48015. Our licensed 48015, MI agents are ready to serve you.

48015, MI Homeowners Insurance Rates

With a population size of 8,552 and with 3,784 occupied homes in the 48015 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Center Line, MI are around $755 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Center Line, Michigan. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Michigan home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Center Line, MI.

For Michigan home insurance information, including average Center Line home insurance rates, coverage options or the different homeowners insurance types, please select Center Line, MI Home Insurance Quotes Now!

48015 Home Insurance Average Premiums

Local 48015 homeowners insurance quotes comparison

$505 /yr.

Shows Zip Code: 48015 lowest rates with discounts applied on average.

For the 48015, 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)
$505 /yr.
Average Coverage:$755 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1055 /yr.

What is the average home insurance cost for a home in 48015?

  • • The average homeowners insurance premium paid annually for a home in 48015 is around $755 per year.

What does it cost on average per month for home insurance in 48015?

  • • Homeowners in 48015 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 48015?

  • • Autoowners in 48015 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.

For shopping home insurance rates within the Center Line area, check out other zip codes nearby 48015.
Review average rates in another zip code:
48015 homeowners insurance rates

Home Replacement Cost Coverage in 48015

Average Building Cost Per Square Foot in 48015: $132

Location: Center Line, Michigan (Macomb County)

Average Square Footage in 48015: 839 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48015 before you start any project. Center Line 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 48015 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 48015 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 839 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 Center Line 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$132839$110,800
Additional Upgrades & Added Features$165839$138,500
Major Home Updates or Advancements$198839$166,200

It's important to understand that when you estimate your replacement cost of your home in the 48015 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 48015

Best Home & Auto Insurance Agencies in 48015

Green- James L

Address: 8033 E 10 Mile Rd Center Line, MI 48015
Phone:
Website:
Info:

Housing Demographics for 48015

Population Review for 48015 Zip Code

For the city of Center Line, the population within 48015 has increased to over 8,314 residents in population size. The current population total is 8,552. We have broken down the population based on race below. In 48015, there are over 4054 in male population and 4498 females.

PopulationValues
Total Population8,552
White Population5409
Black Population1942
Hispanic Population261
Asian Population472
Hawaiian Population4
Indian Population47
Other Population102
Male Population4054
Female Population4498
Population Estimate8314

Household Data for 48015

The average number of homes in 48015 is around 3,784, there are an average of 2.21 per household. The average house value according to local real estate values is around $110,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,784
Persons Per Household2.21
Average House Value$110,800
Income Per Household$47391
Median Age41.9
Median Age Male39.4
Median Age Female43.8
48015 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code586
CityCenter Line
City Alias NameCENTER LINE
CountyMacomb
County FIPS099
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA2160
CSA220
CBSA19820
CBSA_DIV47664
CBSA_TypeMetro
CBSA_NameDetroit-Warren-Dearborn, MI
MSA_NameDetroit-Ann Arbor-Flint, MI CMSA
PMSA_NameDetroit, MI PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses174
Number Of Employees3452
Business First Quarter Payroll53768
Business Annual Payroll210429
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4296250
CBSA Division Population2475666
Congressional District10
Congressional LandArea4140.44
Delivery Residential3762
Delivery Business215
Delivery Total4291
Preferred Last Line KeyY11607
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY11607
Land Area1.752000
Water Area0.000000
City Alias Code
City Mixed CaseCenter Line
City Alias Mixed CaseCenter Line
Box Count202
SFDU2926
MFDU581
State ANSI26
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number251710
Unique ZIP Name
SSA State County Code23490
Medicare CBSA Code47664
Medicare CBSA NameWarren-Troy-Farmington Hills, MI
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseMacomb

Michigan Homeowners Insurance News & Information

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    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]