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48146 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 48146 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Lincoln Park, MI quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 48146.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 48146 and start shopping.

Quickly and Easily Compare Average Rates for 48146

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Lincoln Park, MI home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 48146

Homeowners in Lincoln Park are paying roughly $727 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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48146 Home Insurance Average Premiums

Local 48146 homeowners insurance quotes comparison

$477 /yr.

Shows Zip Code: 48146 lowest rates with discounts applied on average.

For the 48146, 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)
$477 /yr.
Average Coverage:$727 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1027 /yr.

What is the average home insurance cost for a home in 48146?

  • • The average homeowners insurance premium paid annually for a home in 48146 is around $727 per year.

What does it cost on average per month for home insurance in 48146?

  • • Homeowners in 48146 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 48146?

  • • Autoowners in 48146 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 Lincoln Park area, check out other zip codes nearby 48146.
Review average rates in another zip code:
48146 homeowners insurance rates

Home Replacement Cost Coverage in 48146

Average Building Cost Per Square Foot in 48146: $132

Location: Lincoln Park, Michigan (Wayne County)

Average Square Footage in 48146: 692 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48146 before you start any project. Lincoln Park 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 48146 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 48146 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 692 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 Lincoln Park 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$132692$91,400
Additional Upgrades & Added Features$165692$114,250
Major Home Updates or Advancements$198692$137,100

It's important to understand that when you estimate your replacement cost of your home in the 48146 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 48146

Allstate Insurance - Carvil A. Kulberg- ChFC

Address: 3699 Dix Highway Lincoln Park, MI 48146
Phone: (313)389-4400
Website:

Best Home & Auto Insurance Agencies in 48146

Allstate Insurance - Carvil A. Kulberg- ChFC

Address: 3699 Dix Hwy Lincoln Park, MI 48146
Phone:
Website:
Info:

Quisenberry, Sam - State Farm Insurance Agent

Address: Fort St Lincoln Park, MI 48146
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=227154
Info:

Housing Demographics for 48146

Population Review for 48146 Zip Code

For the city of Lincoln Park, the population within 48146 has increased to over 40,821 residents in population size. The current population total is 40,245. We have broken down the population based on race below. In 48146, there are over 20097 in male population and 20148 females.

PopulationValues
Total Population40,245
White Population25750
Black Population3863
Hispanic Population10380
Asian Population231
Hawaiian Population27
Indian Population364
Other Population5074
Male Population20097
Female Population20148
Population Estimate40821

Household Data for 48146

The average number of homes in 48146 is around 15,614, there are an average of 2.57 per household. The average house value according to local real estate values is around $91,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,614
Persons Per Household2.57
Average House Value$91,400
Income Per Household$49794
Median Age36.5
Median Age Male35.8
Median Age Female37.2
48146 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code313
CityLincoln Park
City Alias NameLINCOLN PARK
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 Businesses520
Number Of Employees4466
Business First Quarter Payroll37081
Business Annual Payroll164610
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 District13
Congressional LandArea184.85
Delivery Residential15884
Delivery Business629
Delivery Total16994
Preferred Last Line KeyY12249
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State KeyY12249
Land Area5.836000
Water Area0.011000
City Alias Code
City Mixed CaseLincoln Park
City Alias Mixed CaseLincoln Park
Box Count378
SFDU14513
MFDU901
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number255455
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 […]