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Searching for Homeowners Insurance in 48070

If you are a homeowners that lives in 48070 you may be searching for more affordable homeowners insurance in Huntington Woods. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Huntington Woods, MI. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Michigan licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 48070 Home Insurance Rate Quotes Right Now!

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

Check Out 48070 Home Insurance Costs: medium!

In Huntington Woods, homeowners are paying roughly $658 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 48070 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Huntington Woods are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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48070 Home Insurance Average Premiums

Local 48070 homeowners insurance quotes comparison

$408 /yr.

Shows Zip Code: 48070 lowest rates with discounts applied on average.

For the 48070, 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)
$408 /yr.
Average Coverage:$658 /yr.
2600 sq. ft. or higher
(all discounts applied)
$958 /yr.

What is the average home insurance cost for a home in 48070?

  • • The average homeowners insurance premium paid annually for a home in 48070 is around $658 per year.

What does it cost on average per month for home insurance in 48070?

  • • Homeowners in 48070 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 48070?

  • • Autoowners in 48070 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 Huntington Woods area, check out other zip codes nearby 48070.
Review average rates in another zip code:
48070 homeowners insurance rates

Home Replacement Cost Coverage in 48070

Average Building Cost Per Square Foot in 48070: $132

Location: Huntington Woods, Michigan (Oakland County)

Average Square Footage in 48070: 2,925 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48070 before you start any project. Huntington Woods 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 48070 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 48070 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,925 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 Huntington Woods 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$1322,925$386,100
Additional Upgrades & Added Features$1652,925$482,625
Major Home Updates or Advancements$1982,925$579,150

It's important to understand that when you estimate your replacement cost of your home in the 48070 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 48070

Best Home & Auto Insurance Agencies in 48070

Housing Demographics for 48070

Population Review for 48070 Zip Code

For the city of Huntington Woods, the population within 48070 has increased to over 6,531 residents in population size. The current population total is 6,388. We have broken down the population based on race below. In 48070, there are over 3099 in male population and 3289 females.

PopulationValues
Total Population6,388
White Population5928
Black Population45
Hispanic Population146
Asian Population75
Hawaiian Population0
Indian Population7
Other Population46
Male Population3099
Female Population3289
Population Estimate6531

Household Data for 48070

The average number of homes in 48070 is around 2,375, there are an average of 2.69 per household. The average house value according to local real estate values is around $386,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,375
Persons Per Household2.69
Average House Value$386,100
Income Per Household$157665
Median Age43.1
Median Age Male42.1
Median Age Female44.1
48070 DetailsValues
StateMI
State Full NameMichigan
City TypeN
City Alias AbbreviationHUNTINGTN WDS
Area Code248/313/586/734
CityHuntington Woods
City Alias NameHUNTINGTON WOODS
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 Businesses124
Number Of Employees491
Business First Quarter Payroll6636
Business Annual Payroll34528
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
Congressional LandArea419.26
Delivery Residential2428
Delivery Business72
Delivery Total2543
Preferred Last Line Key009697
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State Key009697
Land Area1.489000
Water Area0.001000
City Alias Code
City Mixed CaseHuntington Woods
City Alias Mixed CaseHuntington Woods
Box Count0
SFDU2428
MFDU0
State ANSI26
County ANSI125
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number258230
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 […]