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If you live in the 48065 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Romeo have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our MI licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 48065 and then compare quotes from a variety of nationwide insurance companies.

48065 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 48065 the average premium for homeowners coverage is $772 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 48065. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 48065 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Romeo, MI home insurance quotes in your area.

48065 Home Insurance Average Premiums

Local 48065 homeowners insurance quotes comparison

$522 /yr.

Shows Zip Code: 48065 lowest rates with discounts applied on average.

For the 48065, 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)
$522 /yr.
Average Coverage:$772 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1072 /yr.

What is the average home insurance cost for a home in 48065?

  • • The average homeowners insurance premium paid annually for a home in 48065 is around $772 per year.

What does it cost on average per month for home insurance in 48065?

  • • Homeowners in 48065 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 48065?

  • • Autoowners in 48065 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 Romeo area, check out other zip codes nearby 48065.
Review average rates in another zip code:
48065 homeowners insurance rates

Home Replacement Cost Coverage in 48065

Average Building Cost Per Square Foot in 48065: $132

Location: Romeo, Michigan (Macomb County)

Average Square Footage in 48065: 2,058 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48065 before you start any project. Romeo 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 48065 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 48065 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,058 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 Romeo 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$1322,058$271,600
Additional Upgrades & Added Features$1652,058$339,500
Major Home Updates or Advancements$1982,058$407,400

It's important to understand that when you estimate your replacement cost of your home in the 48065 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 48065

Michelle L. Jones Agency

Address: 71070 Van Dyke Rd Romeo, MI 48065
Phone: (586)752-2621
Website:

Best Home & Auto Insurance Agencies in 48065

Donald J Piwonski Clu, Chfc - Allstate Agent

Address: 410 S Main St, Ste 201 Romeo, MI 48065
Phone:
Website: http://www.allstateagencies.com/DPiwonski/Welcome/
Info:

Hart- Bob

Address: 129 E Saint Clair St Romeo, MI 48065
Phone:
Website: http://www.babhart.ws
Info:

Allstate Insurance Company - Donald Piwonski

Address: 410 S Main St Romeo, MI 48065
Phone:
Website: http://www.allstateagencies.com/063203?cid=OTC-YP.com-IYP&att=TL
Info:

Michelle L. Jones Agency

Address: 71070 Van Dyke Rd Romeo, MI 48065
Phone:
Website:
Info:

Housing Demographics for 48065

Population Review for 48065 Zip Code

For the city of Romeo, the population within 48065 has increased to over 12,174 residents in population size. The current population total is 11,228. We have broken down the population based on race below. In 48065, there are over 5473 in male population and 5755 females.

PopulationValues
Total Population11,228
White Population10065
Black Population185
Hispanic Population543
Asian Population41
Hawaiian Population0
Indian Population28
Other Population217
Male Population5473
Female Population5755
Population Estimate12174

Household Data for 48065

The average number of homes in 48065 is around 4,168, there are an average of 2.63 per household. The average house value according to local real estate values is around $271,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,168
Persons Per Household2.63
Average House Value$271,600
Income Per Household$86886
Median Age43.9
Median Age Male42.0
Median Age Female45.5
48065 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code586
CityRomeo
City Alias NameROMEO
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 Businesses287
Number Of Employees4746
Business First Quarter Payroll84898
Business Annual Payroll310009
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
Congressional LandArea183.59
Delivery Residential4629
Delivery Business323
Delivery Total5095
Preferred Last Line KeyY12680
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY12680
Land Area37.367000
Water Area0.415000
City Alias Code
City Mixed CaseRomeo
City Alias Mixed CaseRomeo
Box Count72
SFDU3257
MFDU47
State ANSI26
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number258160
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 […]