Get multiple home insurance quotes in 48139. Our licensed 48139, MI agents are ready to serve you.

Compare 48139 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Hamburg just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 85 neighbors looking to save on their home insurance policy in the local 48139 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 48139. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Michigan rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Hamburg, MI home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Hamburg, MI

48139 Home Insurance Average Premiums

Local 48139 homeowners insurance quotes comparison

$522 /yr.

Shows Zip Code: 48139 lowest rates with discounts applied on average.

For the 48139, 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)
$522 /yr.
Average Coverage:$772 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1072 /yr.

What is the average home insurance cost for a home in 48139?

  • • The average homeowners insurance premium paid annually for a home in 48139 is around $772 per year.

What does it cost on average per month for home insurance in 48139?

  • • Homeowners in 48139 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 48139?

  • • Autoowners in 48139 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 Hamburg area, check out other zip codes nearby 48139.
Review average rates in another zip code:
48139 homeowners insurance rates

Home Replacement Cost Coverage in 48139

Average Building Cost Per Square Foot in 48139: $132

Location: Hamburg, Michigan (Livingston County)

Average Square Footage in 48139: 1,286 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48139 before you start any project. Hamburg 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 48139 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 48139 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,286 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 Hamburg 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$1321,286$169,800
Additional Upgrades & Added Features$1651,286$212,250
Major Home Updates or Advancements$1981,286$254,700

It's important to understand that when you estimate your replacement cost of your home in the 48139 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 48139

Best Home & Auto Insurance Agencies in 48139

Housing Demographics for 48139

Population Review for 48139 Zip Code

For the city of Hamburg, the population within 48139 has increased to over 0 residents in population size. The current population total is 179. We have broken down the population based on race below. In 48139, there are over 87 in male population and 92 females.

PopulationValues
Total Population179
White Population159
Black Population1
Hispanic Population8
Asian Population0
Hawaiian Population0
Indian Population0
Other Population4
Male Population87
Female Population92
Population Estimate0

Household Data for 48139

The average number of homes in 48139 is around 85, there are an average of 2.11 per household. The average house value according to local real estate values is around $169,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode85
Persons Per Household2.11
Average House Value$169,800
Income Per Household$51250
Median Age50.5
Median Age Male42.5
Median Age Female53.0
48139 DetailsValues
StateMI
State Full NameMichigan
City TypeZ
City Alias Abbreviation
Area Code810
CityHamburg
City Alias NameHAMBURG
CountyLivingston
County FIPS093
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA0440
CSA220
CBSA19820
CBSA_DIV47664
CBSA_TypeMetro
CBSA_NameDetroit-Warren-Dearborn, MI
MSA_NameDetroit-Ann Arbor-Flint, MI CMSA
PMSA_NameAnn Arbor, MI PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses40
Number Of Employees523
Business First Quarter Payroll4440
Business Annual Payroll26352
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 District07
Congressional LandArea4227.73
Delivery Residential0
Delivery Business0
Delivery Total570
Preferred Last Line KeyY12026
Classification CodeP
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY12026
Land Area0.584000
Water Area0.000000
City Alias Code
City Mixed CaseHamburg
City Alias Mixed CaseHamburg
Box Count213
SFDU0
MFDU0
State ANSI26
County ANSI093
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number254080
Unique ZIP Name
SSA State County Code23460
Medicare CBSA Code47664
Medicare CBSA NameWarren-Troy-Farmington Hills, MI
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseLivingston

Michigan Homeowners Insurance News & Information

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]