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Homeowners Insurance in 48127

For homeowners living in 48127, you want more affordable home insurance rates in Dearborn Heights, right? Our rates are very competitive for homeowners living in the great city of Dearborn Heights, MI. Many homeowners living in the 48127 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 48127 should appear in the zip code field ready to go. Comparing Dearborn Heights, MI Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

48127 Home Insurance Costs Are Considered: Medium!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Dearborn Heights pay around $762 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Michigan home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 48127 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Dearborn Heights homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Michigan home insurance premium today!

Get 48127 Homeowners Insurance Rates Now!

48127 Home Insurance Average Premiums

Local 48127 homeowners insurance quotes comparison

$512 /yr.

Shows Zip Code: 48127 lowest rates with discounts applied on average.

For the 48127, 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 48127?

  • • The average homeowners insurance premium paid annually for a home in 48127 is around $762 per year.

What does it cost on average per month for home insurance in 48127?

  • • Homeowners in 48127 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 48127?

  • • Autoowners in 48127 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 Dearborn Heights area, check out other zip codes nearby 48127.
Review average rates in another zip code:
48125 homeowners insurance rates
48127 homeowners insurance rates

Home Replacement Cost Coverage in 48127

Average Building Cost Per Square Foot in 48127: $132

Location: Dearborn Heights, Michigan (Wayne County)

Average Square Footage in 48127: 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 48127 before you start any project. Dearborn Heights 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 48127 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 48127 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 Dearborn Heights 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 48127 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 48127

Best Home & Auto Insurance Agencies in 48127

Parnell- Joseph F

Address: 2227 N Beech Daly Rd Dearborn Heights, MI 48127
Phone:
Website: http://www.joeparnell.net
Info:

O'Leary- John T - State Farm Insurance Agent

Address: 7300 N Inkster Rd Dearborn Heights, MI 48127
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

Farmers Insurance

Address: 24626 Ford Rd Dearborn Heights, MI 48127
Phone:
Website:
Info:

Loveridge- Kathleen B

Address: 20211 Ann Arbor Trl, #2 Dearborn Heights, MI 48127
Phone:
Website:
Info:

Mouhajer- Bissan N - State Farm Insurance Agent

Address: 24528 Ford Rd Dearborn Heights, MI 48127
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

Housing Demographics for 48127

Population Review for 48127 Zip Code

For the city of Dearborn Heights, the population within 48127 has increased to over 42,122 residents in population size. The current population total is 41,222. We have broken down the population based on race below. In 48127, there are over 20304 in male population and 20918 females.

PopulationValues
Total Population41,222
White Population34541
Black Population3539
Hispanic Population1255
Asian Population776
Hawaiian Population6
Indian Population78
Other Population395
Male Population20304
Female Population20918
Population Estimate42122

Household Data for 48127

The average number of homes in 48127 is around 14,228, there are an average of 2.88 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 Zipcode14,228
Persons Per Household2.88
Average House Value$167,600
Income Per Household$57164
Median Age34.8
Median Age Male33.7
Median Age Female35.9
48127 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias AbbreviationDEARBORN HTS
Area Code313
CityDearborn Heights
City Alias NameDEARBORN HEIGHTS
CountyWayne
County FIPS163
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA2160
CSA220
CBSA19820
CBSA_DIV19804
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 Businesses957
Number Of Employees5273
Business First Quarter Payroll40271
Business Annual Payroll182444
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 Population1820584
Congressional District12
Congressional LandArea403.21
Delivery Residential14626
Delivery Business637
Delivery Total17189
Preferred Last Line KeyY11726
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State KeyY11726
Land Area7.687000
Water Area0.008000
City Alias Code
City Mixed CaseDearborn Heights
City Alias Mixed CaseDearborn Heights
Box Count304
SFDU12697
MFDU1058
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number252405
Unique ZIP Name
SSA State County Code23810
Medicare CBSA Code19804
Medicare CBSA NameDetroit-Dearborn-Livonia, MI
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseWayne

Michigan Homeowners Insurance News & Information

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    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 […]