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48089 Homeowners Insurance Quotes & Rates

Warren residents living within the 12,242 homes available in the zip code of 48089 are shopping online to compare cheaper and more affordable Warren, MI home insurance rates. In the great city of Warren, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Michigan is around $766 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 48089 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 48089 home insurance rates today! Please give us a call now at 1-855-976-2656. For Warren, MI Homeowners Insurance Quotes, Click to easily get started!

48089 Home Insurance Average Premiums

Local 48089 homeowners insurance quotes comparison

$516 /yr.

Shows Zip Code: 48089 lowest rates with discounts applied on average.

For the 48089, 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)
$516 /yr.
Average Coverage:$766 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1066 /yr.

What is the average home insurance cost for a home in 48089?

  • • The average homeowners insurance premium paid annually for a home in 48089 is around $766 per year.

What does it cost on average per month for home insurance in 48089?

  • • Homeowners in 48089 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 48089?

  • • Autoowners in 48089 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 Warren area, check out other zip codes nearby 48089.
Review average rates in another zip code:
48088 homeowners insurance rates
48093 homeowners insurance rates
48092 homeowners insurance rates
48089 homeowners insurance rates
48091 homeowners insurance rates

Home Replacement Cost Coverage in 48089

Average Building Cost Per Square Foot in 48089: $132

Location: Warren, Michigan (Macomb County)

Average Square Footage in 48089: 639 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48089 before you start any project. Warren 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 48089 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 48089 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 639 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 Warren 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$132639$84,300
Additional Upgrades & Added Features$165639$105,375
Major Home Updates or Advancements$198639$126,450

It's important to understand that when you estimate your replacement cost of your home in the 48089 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 48089

Best Home & Auto Insurance Agencies in 48089

Betty L Turner Ins Agcy Inc - State Farm Insurance Agent

Address: 26417 B Hoover Eleven Center Warren, MI 48089
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

L A Insurance Agencies

Address: 11530 E 10 Mile Rd Warren, MI 48089
Phone:
Website:
Info:

Housing Demographics for 48089

Population Review for 48089 Zip Code

For the city of Warren, the population within 48089 has increased to over 32,172 residents in population size. The current population total is 32,012. We have broken down the population based on race below. In 48089, there are over 15856 in male population and 16156 females.

PopulationValues
Total Population32,012
White Population16900
Black Population10953
Hispanic Population967
Asian Population1471
Hawaiian Population8
Indian Population117
Other Population369
Male Population15856
Female Population16156
Population Estimate32172

Household Data for 48089

The average number of homes in 48089 is around 12,242, there are an average of 2.59 per household. The average house value according to local real estate values is around $84,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,242
Persons Per Household2.59
Average House Value$84,300
Income Per Household$43903
Median Age34.4
Median Age Male33.7
Median Age Female35.1
48089 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code586
CityWarren
City Alias NameWARREN
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 Businesses730
Number Of Employees15928
Business First Quarter Payroll216690
Business Annual Payroll956393
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 District10
Congressional LandArea4140.44
Delivery Residential12422
Delivery Business1009
Delivery Total13796
Preferred Last Line KeyY13064
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY13064
Land Area8.005000
Water Area0.001000
City Alias Code
City Mixed CaseWarren
City Alias Mixed CaseWarren
Box Count0
SFDU10936
MFDU1255
State ANSI26
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number259735
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 […]