Get multiple home insurance quotes in 48072. Our licensed 48072, MI agents are ready to serve you.

Check Out 48072 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Berkley, MI.

We will gather some basic information about your home in Berkley, MI and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Michigan licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 48072 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 48072

We have pulled together a variety of data related to homeowners insurance in Michigan. Simply click on one of the links below to learn about the average cost of homeowners insurance in Michigan as well as local coverage options.

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

48072 Homeowners Insurance Rates, Average Rating: medium!

Homeowners insurance policies in 48072 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Michigan is roughly $812. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 48072 homeowners insurance policy!

48072 Home Insurance Average Premiums

Local 48072 homeowners insurance quotes comparison

$562 /yr.

Shows Zip Code: 48072 lowest rates with discounts applied on average.

For the 48072, 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)
$562 /yr.
Average Coverage:$812 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1112 /yr.

What is the average home insurance cost for a home in 48072?

  • • The average homeowners insurance premium paid annually for a home in 48072 is around $812 per year.

What does it cost on average per month for home insurance in 48072?

  • • Homeowners in 48072 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 48072?

  • • Autoowners in 48072 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 Berkley area, check out other zip codes nearby 48072.
Review average rates in another zip code:
48072 homeowners insurance rates

Home Replacement Cost Coverage in 48072

Average Building Cost Per Square Foot in 48072: $132

Location: Berkley, Michigan (Oakland County)

Average Square Footage in 48072: 1,805 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48072 before you start any project. Berkley 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 48072 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 48072 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,805 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 Berkley 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$1321,805$238,200
Additional Upgrades & Added Features$1651,805$297,750
Major Home Updates or Advancements$1981,805$357,300

It's important to understand that when you estimate your replacement cost of your home in the 48072 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 48072

Best Home & Auto Insurance Agencies in 48072

Allstate Insurance Companies

Address: 2948 Coolidge Hwy Berkley, MI 48072
Phone:
Website:
Info:

Farmers Insurance Group - Agents- Berkley

Address: 2972 12 Mile Rd Berkley, MI 48072
Phone:
Website:
Info:

Stadnyk- Roman A - State Farm Insurance Agent

Address: 3900 12 Mile Rd Berkley, MI 48072
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance Company - Cameron Young

Address: 1828 Greenfield Rd Berkley, MI 48072
Phone:
Website: http://www.allstateagencies.com/052989?cid=OTC-YP.com-IYP&att=TL
Info:

Pliskow Insurance Agency

Address: 2658 Coolidge Hwy Berkley, MI 48072
Phone:
Website:
Info:

Housing Demographics for 48072

Population Review for 48072 Zip Code

For the city of Berkley, the population within 48072 has increased to over 15,840 residents in population size. The current population total is 15,194. We have broken down the population based on race below. In 48072, there are over 7366 in male population and 7828 females.

PopulationValues
Total Population15,194
White Population13512
Black Population346
Hispanic Population442
Asian Population269
Hawaiian Population0
Indian Population26
Other Population87
Male Population7366
Female Population7828
Population Estimate15840

Household Data for 48072

The average number of homes in 48072 is around 6,728, there are an average of 2.26 per household. The average house value according to local real estate values is around $238,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,728
Persons Per Household2.26
Average House Value$238,200
Income Per Household$96993
Median Age37.6
Median Age Male36.6
Median Age Female38.7
48072 DetailsValues
StateMI
State Full NameMichigan
City TypeB
City Alias Abbreviation
Area Code248/313/586/734
CityBerkley
City Alias NameBERKLEY
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 Businesses380
Number Of Employees2845
Business First Quarter Payroll28253
Business Annual Payroll137289
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 Residential7009
Delivery Business419
Delivery Total8547
Preferred Last Line KeyY11434
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY11434
Land Area2.397000
Water Area0.000000
City Alias Code
City Mixed CaseBerkley
City Alias Mixed CaseBerkley
Box Count184
SFDU6540
MFDU392
State ANSI26
County ANSI125
ZIP Intro
Alias Intro
Facility CodeB
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 […]