Compare quotes for your home in 48038! Compare the best 12 carriers in minutes.
48038 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 48038? Our rates are very competitive for homeowners living in Clinton Township, MI. Many homeowners based out of your 48038 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 48038 should appear in the zip code field ready to go. For Clinton Township, MI Home Insurance Rate Quotes click to review the best rates and service online!
48038 Average Premium is Rated: Medium!
Homeowners living in 48038 can easily save up to 40% off the average home insurance premium of $770 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Clinton Township that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 48038 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
48038 Home Insurance Average Premiums
$520 /yr.
Shows Zip Code: 48038 lowest rates with discounts applied on average.
For the 48038, 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) | $520 /yr. |
| Average Coverage: | $770 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1070 /yr. |
What is the average home insurance cost for a home in 48038?
- • The average homeowners insurance premium paid annually for a home in 48038 is around $770 per year.
What does it cost on average per month for home insurance in 48038?
- • Homeowners in 48038 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 48038?
- • Autoowners in 48038 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 Clinton Township area, check out other zip codes nearby 48038.
Review average rates in another zip code:
48035 homeowners insurance rates
48038 homeowners insurance rates
48036 homeowners insurance rates
Home Replacement Cost Coverage in 48038
Average Building Cost Per Square Foot in 48038: $132
Location: Clinton Township, Michigan (Macomb County)Average Square Footage in 48038: 1,467 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48038 before you start any project. Clinton Township 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 48038 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 48038 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,467 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 Clinton Township 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 | 1,467 | $193,700 |
| Additional Upgrades & Added Features | $165 | 1,467 | $242,125 |
| Major Home Updates or Advancements | $198 | 1,467 | $290,550 |
It's important to understand that when you estimate your replacement cost of your home in the 48038 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 48038
Allstate Insurance - Nicholas Berezowsky
Address: 44720 Hayes Rd #500 Clinton Twp, MI 48038Phone: (586)412-0110
Website:
Anthony M. Piccirilli Agency
Address: 44990 Heydenreich Rd Clinton Township, MI 48038Phone: (586)465-7260
Website:
Allstate Insurance - Vicki Schembri
Address: 43209 Garfield Clinton Township, MI 48038Phone: (586)263-1530
Website:
Best Home & Auto Insurance Agencies in 48038
Farmers Insurance Evona Agency
Address: 41700 Hayes Rd Clinton Twp, MI 48038Phone:
Website:
Info:
Macomb Insurance Mart Inc
Address: 42946 Garfield Rd Clinton Twp, MI 48038Phone:
Website:
Info:
Robert D Tourangeau Ins - State Farm Insurance Agent
Address: 40680 Garfield Rd, #1 Clinton Twp, MI 48038Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Anthony M. Piccirilli Agency
Address: 44990 Heydenreich Rd Clinton Twp, MI 48038Phone:
Website:
Info:
Allstate Insurance - Nicholas Berezowsky
Address: 44720 Hayes Rd Clinton Twp, MI 48038Phone:
Website:
Info:
Housing Demographics for 48038
Population Review for 48038 Zip Code
For the city of Clinton Township, the population within 48038 has increased to over 46,154 residents in population size. The current population total is 44,038. We have broken down the population based on race below. In 48038, there are over 20712 in male population and 23326 females.
| Population | Values |
|---|---|
| Total Population | 44,038 |
| White Population | 34992 |
| Black Population | 5213 |
| Hispanic Population | 1245 |
| Asian Population | 1129 |
| Hawaiian Population | 9 |
| Indian Population | 89 |
| Other Population | 394 |
| Male Population | 20712 |
| Female Population | 23326 |
| Population Estimate | 46154 |
Household Data for 48038
The average number of homes in 48038 is around 20,387, there are an average of 2.15 per household. The average house value according to local real estate values is around $193,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 20,387 |
| Persons Per Household | 2.15 |
| Average House Value | $193,700 |
| Income Per Household | $70115 |
| Median Age | 43.4 |
| Median Age Male | 40.0 |
| Median Age Female | 46.6 |
| 48038 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | B |
| City Alias Abbreviation | CLINTON TWP |
| Area Code | 586 |
| City | Clinton Township |
| City Alias Name | CLINTON TOWNSHIP |
| County | Macomb |
| County FIPS | 099 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 2162 |
| PMSA | 2160 |
| CSA | 220 |
| CBSA | 19820 |
| CBSA_DIV | 47664 |
| CBSA_Type | Metro |
| CBSA_Name | Detroit-Warren-Dearborn, MI |
| MSA_Name | Detroit-Ann Arbor-Flint, MI CMSA |
| PMSA_Name | Detroit, MI PMSA |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1051 |
| Number Of Employees | 15453 |
| Business First Quarter Payroll | 181647 |
| Business Annual Payroll | 815210 |
| 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 | 4296250 |
| CBSA Division Population | 2475666 |
| Congressional District | 10 |
| Congressional LandArea | 4140.44 |
| Delivery Residential | 21467 |
| Delivery Business | 1161 |
| Delivery Total | 22747 |
| Preferred Last Line Key | Y11653 |
| Classification Code | |
| Multi-County | |
| CSA Name | Detroit-Warren-Ann Arbor, MI |
| CBSA_DIV_Name | Warren-Troy-Farmington Hills, MI |
| City State Key | Y11653 |
| Land Area | 10.905000 |
| Water Area | 0.126000 |
| City Alias Code | |
| City Mixed Case | Clinton Township |
| City Alias Mixed Case | Clinton Township |
| Box Count | 195 |
| SFDU | 8869 |
| MFDU | 5206 |
| State ANSI | 26 |
| County ANSI | 099 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | B |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 256410 |
| Unique ZIP Name | |
| SSA State County Code | 23490 |
| Medicare CBSA Code | 47664 |
| Medicare CBSA Name | Warren-Troy-Farmington Hills, MI |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Macomb |
Michigan Homeowners Insurance News & Information
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]