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48097, MI Homeowners Insurance Rates
With a population size of 5,181 and with 1,987 occupied homes in the 48097 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Yale, MI are around $715 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Yale, Michigan. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!
It's important to know that if your Michigan home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Yale, MI.
For Michigan home insurance information, including average Yale home insurance rates, coverage options or the different homeowners insurance types, please select Yale, MI Home Insurance Quotes Now!
48097 Home Insurance Average Premiums
$465 /yr.
Shows Zip Code: 48097 lowest rates with discounts applied on average.
For the 48097, 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) | $465 /yr. |
| Average Coverage: | $715 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1015 /yr. |
What is the average home insurance cost for a home in 48097?
- • The average homeowners insurance premium paid annually for a home in 48097 is around $715 per year.
What does it cost on average per month for home insurance in 48097?
- • Homeowners in 48097 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 48097?
- • Autoowners in 48097 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 Yale area, check out other zip codes nearby 48097.
Review average rates in another zip code:
48097 homeowners insurance rates
Home Replacement Cost Coverage in 48097
Average Building Cost Per Square Foot in 48097: $132
Location: Yale, Michigan (Saint Clair County)Average Square Footage in 48097: 1,059 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48097 before you start any project. Yale 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 48097 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 48097 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,059 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 Yale 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 | 1,059 | $139,800 |
| Additional Upgrades & Added Features | $165 | 1,059 | $174,750 |
| Major Home Updates or Advancements | $198 | 1,059 | $209,700 |
It's important to understand that when you estimate your replacement cost of your home in the 48097 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 48097
Liebler Agency Inc Insurance
Address: 100 South Main Street Yale, MI 48097Phone: (810)387-4214
Website: www.liebleragency.com
Best Home & Auto Insurance Agencies in 48097
Liebler Agency Incorporated
Address: 100 South Main Street #1 Yale, MI 48097Phone:
Website: http://www.allstateagencies.com/054371/Welcome/
Info:
Liebler Agency Inc Insurance
Address: 100 S Main St Yale, MI 48097Phone:
Website: http://www.liebleragency.com
Info:
Allstate Insurance
Address: 208 S Main St Yale, MI 48097Phone:
Website:
Info:
State Farm Insurance
Address: 7705 North Brockway Road Yale, MI 48097Phone:
Website: http://www.statefarm.com/
Info:
Housing Demographics for 48097
Population Review for 48097 Zip Code
For the city of Yale, the population within 48097 has increased to over 5,322 residents in population size. The current population total is 5,181. We have broken down the population based on race below. In 48097, there are over 2594 in male population and 2587 females.
| Population | Values |
|---|---|
| Total Population | 5,181 |
| White Population | 4908 |
| Black Population | 6 |
| Hispanic Population | 135 |
| Asian Population | 12 |
| Hawaiian Population | 0 |
| Indian Population | 15 |
| Other Population | 25 |
| Male Population | 2594 |
| Female Population | 2587 |
| Population Estimate | 5322 |
Household Data for 48097
The average number of homes in 48097 is around 1,987, there are an average of 2.57 per household. The average house value according to local real estate values is around $139,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,987 |
| Persons Per Household | 2.57 |
| Average House Value | $139,800 |
| Income Per Household | $53063 |
| Median Age | 43.6 |
| Median Age Male | 41.9 |
| Median Age Female | 45.7 |
| 48097 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 810 |
| City | Yale |
| City Alias Name | YALE |
| County | Saint Clair |
| County FIPS | 147 |
| 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 | 82 |
| Number Of Employees | 899 |
| Business First Quarter Payroll | 6861 |
| Business Annual Payroll | 31446 |
| 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 | 09 |
| Congressional LandArea | 183.59 |
| Delivery Residential | 2071 |
| Delivery Business | 102 |
| Delivery Total | 2282 |
| Preferred Last Line Key | Y13134 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Detroit-Warren-Ann Arbor, MI |
| CBSA_DIV_Name | Warren-Troy-Farmington Hills, MI |
| City State Key | Y13134 |
| Land Area | 76.230000 |
| Water Area | 0.529000 |
| City Alias Code | |
| City Mixed Case | Yale |
| City Alias Mixed Case | Yale |
| Box Count | 48 |
| SFDU | 1922 |
| MFDU | 115 |
| State ANSI | 26 |
| County ANSI | 147 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | C |
| Finance Number | 259970 |
| Unique ZIP Name | |
| SSA State County Code | 23730 |
| Medicare CBSA Code | 47664 |
| Medicare CBSA Name | Warren-Troy-Farmington Hills, MI |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 3 |
| County Mixed Case | Saint Clair |
Michigan Homeowners Insurance News & Information
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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 […]
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