Get multiple home insurance quotes in 48025. Our licensed 48025, MI agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 48025

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 48025, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Franklin, MI from a list of top tier nationwide insurers.

Our Michigan licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 48025 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 48025

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

48025 Ratings: medium!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Franklin we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 48025, homeowners are seeing rates around 730 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 48025!

48025 Home Insurance Average Premiums

Local 48025 homeowners insurance quotes comparison

$480 /yr.

Shows Zip Code: 48025 lowest rates with discounts applied on average.

For the 48025, 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)
$480 /yr.
Average Coverage:$730 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1030 /yr.

What is the average home insurance cost for a home in 48025?

  • • The average homeowners insurance premium paid annually for a home in 48025 is around $730 per year.

What does it cost on average per month for home insurance in 48025?

  • • Homeowners in 48025 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 48025?

  • • Autoowners in 48025 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 Franklin area, check out other zip codes nearby 48025.
Review average rates in another zip code:
48025 homeowners insurance rates

Home Replacement Cost Coverage in 48025

Average Building Cost Per Square Foot in 48025: $132

Location: Franklin, Michigan (Oakland County)

Average Square Footage in 48025: 3,243 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48025 before you start any project. Franklin 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 48025 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 48025 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,243 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 Franklin 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$1323,243$428,100
Additional Upgrades & Added Features$1653,243$535,125
Major Home Updates or Advancements$1983,243$642,150

It's important to understand that when you estimate your replacement cost of your home in the 48025 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 48025

Best Home & Auto Insurance Agencies in 48025

Alvin Smith Bates, Sr - Allstate Agent

Address: 30600 Telegraph Rd, Ste 2160 Franklin, MI 48025
Phone:
Website: http://www.allstateagencies.com/AlvinSBates/Welcome/
Info:

Allstate Insurance Companies

Address: 30600 Telegraph Rd Bingham Farms, MI 48025
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Spinale- Margaret E

Address: 16231 W 14 Mile Rd Beverly Hills, MI 48025
Phone:
Website:
Info:

Housing Demographics for 48025

Population Review for 48025 Zip Code

For the city of Franklin, the population within 48025 has increased to over 15,506 residents in population size. The current population total is 14,878. We have broken down the population based on race below. In 48025, there are over 7217 in male population and 7661 females.

PopulationValues
Total Population14,878
White Population12285
Black Population1054
Hispanic Population477
Asian Population566
Hawaiian Population0
Indian Population29
Other Population123
Male Population7217
Female Population7661
Population Estimate15506

Household Data for 48025

The average number of homes in 48025 is around 5,672, there are an average of 2.61 per household. The average house value according to local real estate values is around $428,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,672
Persons Per Household2.61
Average House Value$428,100
Income Per Household$154073
Median Age45.6
Median Age Male44.1
Median Age Female47.0
48025 DetailsValues
StateMI
State Full NameMichigan
City TypeB
City Alias Abbreviation
Area Code248
CityFranklin
City Alias NameFRANKLIN
CountyOakland
County FIPS125
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 Businesses736
Number Of Employees10345
Business First Quarter Payroll137186
Business Annual Payroll625712
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 District11|12
Congressional LandArea419.26|403.21
Delivery Residential5941
Delivery Business616
Delivery Total7537
Preferred Last Line KeyY11911
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY11911
Land Area8.041000
Water Area0.017000
City Alias Code
City Mixed CaseFranklin
City Alias Mixed CaseFranklin
Box Count125
SFDU5386
MFDU203
State ANSI26
County ANSI125
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number258805
Unique ZIP Name
SSA State County Code23620
Medicare CBSA Code47664
Medicare CBSA NameWarren-Troy-Farmington Hills, MI
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseOakland

Michigan Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]