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48092 Home Insurance Rates & Premiums

Did you know there are over 27,186 people living within the 48092 zip code area? There are over 10,685 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 48092.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $762 a year for a standard homeowners insurance policy in Warren. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Warren, MI Homeowners Insurance Quotes Online

48092 Home Insurance Average Premiums

Local 48092 homeowners insurance quotes comparison

$512 /yr.

Shows Zip Code: 48092 lowest rates with discounts applied on average.

For the 48092, 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)		$512 /yr.
Average Coverage:$762 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1062 /yr.

What is the average home insurance cost for a home in 48092?

  • • The average homeowners insurance premium paid annually for a home in 48092 is around $762 per year.

What does it cost on average per month for home insurance in 48092?

  • • Homeowners in 48092 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 48092?

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

Home Replacement Cost Coverage in 48092

Average Building Cost Per Square Foot in 48092: $132

Location: Warren, Michigan (Macomb County)

Average Square Footage in 48092: 1,270 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48092 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 48092 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 48092 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,270 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$1321,270$167,600
Additional Upgrades & Added Features$1651,270$209,500
Major Home Updates or Advancements$1981,270$251,400

It's important to understand that when you estimate your replacement cost of your home in the 48092 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 48092

Ridgemont Insurance Agency Inc

Address: 32888 Ryan Road Warren, MI 48092
Phone: (586)268-2960
Website:

Best Home & Auto Insurance Agencies in 48092

The Right Choice Insurance Agency

Address: 6900 Miller Dr Warren, MI 48092
Phone:
Website: http://www.rightchoiceins.com/
Info:

Richard Spano - Allstate Insurance Company

Address: 31924 Ryan Rd Warren, MI 48092
Phone:
Website: http://www.clickserve.dartsearch.net/link/click?lid=43000000160967671
Info:

Al Lindsey Agency

Address: 5788 E 12 Mile Rd Warren, MI 48092
Phone:
Website: http://www.agent.allstate.com/48092
Info:

Ridgemont Insurance Agency Inc

Address: 32888 Ryan Rd Warren, MI 48092
Phone:
Website:
Info:

Harb- Fred A

Address: 29230 Ryan Rd Warren, MI 48092
Phone:
Website:
Info:

Housing Demographics for 48092

Population Review for 48092 Zip Code

For the city of Warren, the population within 48092 has increased to over 27,926 residents in population size. The current population total is 27,186. We have broken down the population based on race below. In 48092, there are over 13454 in male population and 13732 females.

PopulationValues
Total Population27,186
White Population18274
Black Population3041
Hispanic Population544
Asian Population4350
Hawaiian Population0
Indian Population59
Other Population198
Male Population13454
Female Population13732
Population Estimate27926

Household Data for 48092

The average number of homes in 48092 is around 10,685, there are an average of 2.53 per household. The average house value according to local real estate values is around $167,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,685
Persons Per Household2.53
Average House Value$167,600
Income Per Household$62728
Median Age41.8
Median Age Male39.9
Median Age Female43.9
48092 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 Businesses714
Number Of Employees13760
Business First Quarter Payroll152567
Business Annual Payroll643664
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 Residential11038
Delivery Business765
Delivery Total12902
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 Area8.149000
Water Area0.036000
City Alias Code
City Mixed CaseWarren
City Alias Mixed CaseWarren
Box Count0
SFDU8338
MFDU1302
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

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