Get multiple home insurance quotes in 48044. Our licensed 48044, MI agents are ready to serve you.

48044 Home Insurance Rates

For homeowners living in 48044, the population estimates are increasing to well over 58,265 with 19,855 occupied homes within the zip code of 48044. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Macomb have increased and the average home insurance premium is around $810 per year in 48044. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 48044 zip code today so we can help you find affordable Macomb, MI home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 48044

Please select one of the three options below based on your 48044 zip code to learn more about Michigan homeowners insurance, plus review average rates and information per state, county or city.

  1. Michigan Homeowners Insurance Quotes
  2. Macomb County, MI Home Insurance
  3. Macomb, MI Home Insurance Quotes

48044 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 48044 zip code just got easier with GetHomeInsuranceQuotes.com of Macomb, MI. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 48044 today and let us help you review the best home insurance quotes available for homeowners living in Macomb.

Get 48044 Homeowners Insurance Rates Now!

48044 Home Insurance Average Premiums

Local 48044 homeowners insurance quotes comparison

$560 /yr.

Shows Zip Code: 48044 lowest rates with discounts applied on average.

For the 48044, 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)
$560 /yr.
Average Coverage:$810 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1110 /yr.

What is the average home insurance cost for a home in 48044?

  • • The average homeowners insurance premium paid annually for a home in 48044 is around $810 per year.

What does it cost on average per month for home insurance in 48044?

  • • Homeowners in 48044 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 48044?

  • • Autoowners in 48044 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 Macomb area, check out other zip codes nearby 48044.
Review average rates in another zip code:
48042 homeowners insurance rates
48044 homeowners insurance rates

Home Replacement Cost Coverage in 48044

Average Building Cost Per Square Foot in 48044: $132

Location: Macomb, Michigan (Macomb County)

Average Square Footage in 48044: 2,160 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48044 before you start any project. Macomb 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 48044 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 48044 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,160 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 Macomb 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$1322,160$285,100
Additional Upgrades & Added Features$1652,160$356,375
Major Home Updates or Advancements$1982,160$427,650

It's important to understand that when you estimate your replacement cost of your home in the 48044 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 48044

Best Home & Auto Insurance Agencies in 48044

Allstate Insurance Company - Jeffrey Torrice

Address: 48952 Hayes Rd Macomb, MI 48044
Phone:
Website: http://www.allstateagencies.com/059895?cid=OTC-YP.com-IYP&att=TL
Info:

Kogelman- Carla J

Address: 21495 21 Mile Rd Macomb, MI 48044
Phone:
Website:
Info:

Housing Demographics for 48044

Population Review for 48044 Zip Code

For the city of Macomb, the population within 48044 has increased to over 60,319 residents in population size. The current population total is 58,265. We have broken down the population based on race below. In 48044, there are over 28763 in male population and 29502 females.

PopulationValues
Total Population58,265
White Population47986
Black Population3747
Hispanic Population2007
Asian Population2393
Hawaiian Population14
Indian Population98
Other Population561
Male Population28763
Female Population29502
Population Estimate60319

Household Data for 48044

The average number of homes in 48044 is around 19,855, there are an average of 2.93 per household. The average house value according to local real estate values is around $285,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode19,855
Persons Per Household2.93
Average House Value$285,100
Income Per Household$102824
Median Age39.6
Median Age Male38.4
Median Age Female40.6
48044 DetailsValues
StateMI
State Full NameMichigan
City TypeN
City Alias Abbreviation
Area Code586
CityMacomb
City Alias NameMACOMB
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 Businesses744
Number Of Employees6388
Business First Quarter Payroll62600
Business Annual Payroll277431
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 District09|10
Congressional LandArea183.59|4140.44
Delivery Residential20587
Delivery Business431
Delivery Total21224
Preferred Last Line KeyY12292
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY12292
Land Area13.496000
Water Area0.066000
City Alias Code
City Mixed CaseMacomb
City Alias Mixed CaseMacomb
Box Count0
SFDU14393
MFDU603
State ANSI26
County ANSI099
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number256410
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

  • 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 […]