Get multiple home insurance quotes in 48135. Our licensed 48135, MI agents are ready to serve you.

Compare 48135 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 48135 area? The average homeowners premium in Michigan for a standard homeowners policy is around $746/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 48135 zip code, the population size is around 27,380 with 11,239 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 48135.

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 Garden City, MI Homeowners Insurance. Compare companies, quotes, coverages and more.

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

48135 Home Insurance Average Premiums

Local 48135 homeowners insurance quotes comparison

$496 /yr.

Shows Zip Code: 48135 lowest rates with discounts applied on average.

For the 48135, 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)
$496 /yr.
Average Coverage:$746 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1046 /yr.

What is the average home insurance cost for a home in 48135?

  • • The average homeowners insurance premium paid annually for a home in 48135 is around $746 per year.

What does it cost on average per month for home insurance in 48135?

  • • Homeowners in 48135 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 48135?

  • • Autoowners in 48135 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 Garden City area, check out other zip codes nearby 48135.
Review average rates in another zip code:
48135 homeowners insurance rates

Home Replacement Cost Coverage in 48135

Average Building Cost Per Square Foot in 48135: $132

Location: Garden City, Michigan (Wayne County)

Average Square Footage in 48135: 995 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48135 before you start any project. Garden City 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 48135 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 48135 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 995 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 Garden City 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$132995$131,300
Additional Upgrades & Added Features$165995$164,125
Major Home Updates or Advancements$198995$196,950

It's important to understand that when you estimate your replacement cost of your home in the 48135 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 48135

Allstate Insurance-Edward Jones Agency

Address: 27676 Cherry Hill Rd Ste 202 Garden City, MI 48135
Phone: (734)425-9100
Website: agent.allstate.com/32303

Best Home & Auto Insurance Agencies in 48135

Allstate Insurance-Edward Jones Agency

Address: 27676 Cherry Hill Rd, #202 Garden City, MI 48135
Phone:
Website: http://www.agent.allstate.com/32303
Info:

Lindbloom- Lisa C

Address: 29510 Ford Rd Garden City, MI 48135
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

Cannell- Harold J - State Farm Insurance Agent

Address: 27532 Ford Rd Garden City, MI 48135
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 48135

Population Review for 48135 Zip Code

For the city of Garden City, the population within 48135 has increased to over 27,706 residents in population size. The current population total is 27,380. We have broken down the population based on race below. In 48135, there are over 13688 in male population and 13692 females.

PopulationValues
Total Population27,380
White Population23006
Black Population1660
Hispanic Population1193
Asian Population306
Hawaiian Population6
Indian Population112
Other Population302
Male Population13688
Female Population13692
Population Estimate27706

Household Data for 48135

The average number of homes in 48135 is around 11,239, there are an average of 2.43 per household. The average house value according to local real estate values is around $131,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,239
Persons Per Household2.43
Average House Value$131,300
Income Per Household$59049
Median Age40.8
Median Age Male39.4
Median Age Female42.5
48135 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code734
CityGarden City
City Alias NameGARDEN CITY
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 Businesses446
Number Of Employees3833
Business First Quarter Payroll33879
Business Annual Payroll157882
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 Residential11402
Delivery Business595
Delivery Total14716
Preferred Last Line KeyY11930
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State KeyY11930
Land Area5.863000
Water Area0.000000
City Alias Code
City Mixed CaseGarden City
City Alias Mixed CaseGarden City
Box Count0
SFDU10848
MFDU536
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number253630
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

  • 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 […]