48093 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 48093? There are over 10,181 occupied homes in the 48093 area. With a population size of 24,780, it's not uncommon for residence of Warren, MI to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Michigan is around $777 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 48093 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Warren, MI Home Insurance Rate Quotes

48093 Home Insurance Average Premiums

Local 48093 homeowners insurance quotes comparison

$527 /yr.

Shows Zip Code: 48093 lowest rates with discounts applied on average.

For the 48093, 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)	$527 /yr.
Average Coverage:	$777 /yr.
2600 sq. ft. or higher (all discounts applied)	$1077 /yr.

What is the average home insurance cost for a home in 48093?

• The average homeowners insurance premium paid annually for a home in 48093 is around $777 per year.

What does it cost on average per month for home insurance in 48093?

• Homeowners in 48093 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 48093?

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

Home Replacement Cost Coverage in 48093

Average Building Cost Per Square Foot in 48093: $132

Location: Warren, Michigan (Macomb County)

Average Square Footage in 48093: 1,152 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48093 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 48093 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 48093 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,152 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$132	1,152	$152,000
Additional Upgrades & Added Features	$165	1,152	$190,000
Major Home Updates or Advancements	$198	1,152	$228,000

Calculate Your Dwelling Coverage in 48093

It's important to understand that when you estimate your replacement cost of your home in the 48093 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 Home & Auto Insurance Agencies in 48093

Ross- Elizabeth A

Address: 8322 E 12 Mile Rd Warren, MI 48093
Phone:
Website:
Info:

Look Insurance

Address: 29142 Hoover Rd Warren, MI 48093
Phone:
Website: http://www.look-insurance.com
Info:

Green- James L - State Farm Insurance Agent

Address: 30500 Van Dyke Ave, #100 Warren, MI 48093
Phone:
Website:
Info:

Kiehler-przekora- Kathi

Address: 8086 E 14 Mile Rd Warren, MI 48093
Phone:
Website:
Info:

Donovan- Steven A - State Farm Insurance Agent

Address: 11455 E 13 Mile Rd Warren, MI 48093
Phone:
Website:
Info:

Housing Demographics for 48093

Population Review for 48093 Zip Code

For the city of Warren, the population within 48093 has increased to over 25,009 residents in population size. The current population total is 24,780. We have broken down the population based on race below. In 48093, there are over 11769 in male population and 13011 females.

Population	Values
Total Population	24,780
White Population	17150
Black Population	4058
Hispanic Population	519
Asian Population	2111
Hawaiian Population	1
Indian Population	53
Other Population	202
Male Population	11769
Female Population	13011
Population Estimate	25009

Household Data for 48093

The average number of homes in 48093 is around 10,181, there are an average of 2.38 per household. The average house value according to local real estate values is around $152,000. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	10,181
Persons Per Household	2.38
Average House Value	$152,000
Income Per Household	$59426
Median Age	43.1
Median Age Male	40.7
Median Age Female	45.4

48093 Details	Values
State	MI
State Full Name	Michigan
City Type	P
City Alias Abbreviation
Area Code	586
City	Warren
City Alias Name	WARREN
County	Macomb
County FIPS	099
State FIPS	26
Time Zone	5
Day Light Saving	Y
MSA	2162
PMSA	2160
CSA	220
CBSA	19820
CBSA_DIV	47664
CBSA_Type	Metro
CBSA_Name	Detroit-Warren-Dearborn, MI
MSA_Name	Detroit-Ann Arbor-Flint, MI CMSA
PMSA_Name	Detroit, MI PMSA
Region	Midwest
Division	East North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	583
Number Of Employees	10100
Business First Quarter Payroll	112867
Business Annual Payroll	469785
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	4296250
CBSA Division Population	2475666
Congressional District	10
Congressional LandArea	4140.44
Delivery Residential	10508
Delivery Business	576
Delivery Total	12466
Preferred Last Line Key	Y13064
Classification Code
Multi-County
CSA Name	Detroit-Warren-Ann Arbor, MI
CBSA_DIV_Name	Warren-Troy-Farmington Hills, MI
City State Key	Y13064
Land Area	5.893000
Water Area	0.020000
City Alias Code
City Mixed Case	Warren
City Alias Mixed Case	Warren
Box Count	0
SFDU	7818
MFDU	1058
State ANSI	26
County ANSI	099
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	259735
Unique ZIP Name
SSA State County Code	23490
Medicare CBSA Code	47664
Medicare CBSA Name	Warren-Troy-Farmington Hills, MI
Medicare CBSA Type	Metro
Market Rating Area ID	2
County Mixed Case	Macomb

Michigan Homeowners Insurance News & Information

2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]

Home Insurance Quotes in 48093!