Get multiple home insurance quotes in 48091. Our licensed 48091, MI agents are ready to serve you.

Compare 48091 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 48091 area? The average homeowners premium in Michigan for a standard homeowners policy is around $725/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 48091 zip code, the population size is around 32,267 with 12,331 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 48091.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Warren, MI Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. MI RateDiscountsSavingsShop Rates
$1,002up to 40% off$401

48091 Home Insurance Average Premiums

Local 48091 homeowners insurance quotes comparison

$475 /yr.

Shows Zip Code: 48091 lowest rates with discounts applied on average.

For the 48091, 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)
$475 /yr.
Average Coverage:$725 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1025 /yr.

What is the average home insurance cost for a home in 48091?

  • • The average homeowners insurance premium paid annually for a home in 48091 is around $725 per year.

What does it cost on average per month for home insurance in 48091?

  • • Homeowners in 48091 pay a monthly average cost per month around $60.00.

What kind of discount could I get if I combine my home and auto insurance together in 48091?

  • • Autoowners in 48091 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 48091.
Review average rates in another zip code:
48089 homeowners insurance rates
48093 homeowners insurance rates
48091 homeowners insurance rates
48088 homeowners insurance rates
48092 homeowners insurance rates

Home Replacement Cost Coverage in 48091

Average Building Cost Per Square Foot in 48091: $132

Location: Warren, Michigan (Macomb County)

Average Square Footage in 48091: 805 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48091 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 48091 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 48091 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 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 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$132805$106,300
Additional Upgrades & Added Features$165805$132,875
Major Home Updates or Advancements$198805$159,450

It's important to understand that when you estimate your replacement cost of your home in the 48091 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 48091

Best Home & Auto Insurance Agencies in 48091

Hi-tech Collision

Address: 3930 E 10 Mile Rd Warren, MI 48091
Phone:
Website:
Info:

Housing Demographics for 48091

Population Review for 48091 Zip Code

For the city of Warren, the population within 48091 has increased to over 32,382 residents in population size. The current population total is 32,267. We have broken down the population based on race below. In 48091, there are over 15932 in male population and 16335 females.

PopulationValues
Total Population32,267
White Population16660
Black Population7697
Hispanic Population1011
Asian Population5298
Hawaiian Population17
Indian Population126
Other Population452
Male Population15932
Female Population16335
Population Estimate32382

Household Data for 48091

The average number of homes in 48091 is around 12,331, there are an average of 2.61 per household. The average house value according to local real estate values is around $106,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,331
Persons Per Household2.61
Average House Value$106,300
Income Per Household$47118
Median Age36.4
Median Age Male35.2
Median Age Female37.7
48091 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 Businesses597
Number Of Employees13482
Business First Quarter Payroll205388
Business Annual Payroll805810
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 Residential12407
Delivery Business815
Delivery Total13208
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 Area7.910000
Water Area0.000000
City Alias Code
City Mixed CaseWarren
City Alias Mixed CaseWarren
Box Count0
SFDU10530
MFDU768
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 […]