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48173 Home Insurance Rates

Getting multiple homeowners insurance rates in 48173 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Rockwood, MI. Many homeowners based out of the 48173 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Michigan licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 48173 should appear in the zip code field ready to go. For Rockwood, MI Home Insurance Quotes, Click to easily get started!

48173 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 48173 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Rockwood. For a basic HO-3, standard homeowners policy, the average premium per year in Michigan is around $743. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 48173 zip code today and let us help you save time and money on your homeowners insurance premium.

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48173 Home Insurance Average Premiums

Local 48173 homeowners insurance quotes comparison

$493 /yr.

Shows Zip Code: 48173 lowest rates with discounts applied on average.

For the 48173, 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)
$493 /yr.
Average Coverage:$743 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1043 /yr.

What is the average home insurance cost for a home in 48173?

  • • The average homeowners insurance premium paid annually for a home in 48173 is around $743 per year.

What does it cost on average per month for home insurance in 48173?

  • • Homeowners in 48173 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 48173?

  • • Autoowners in 48173 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 Rockwood area, check out other zip codes nearby 48173.
Review average rates in another zip code:
48173 homeowners insurance rates

Home Replacement Cost Coverage in 48173

Average Building Cost Per Square Foot in 48173: $132

Location: Rockwood, Michigan (Wayne County)

Average Square Footage in 48173: 1,416 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48173 before you start any project. Rockwood 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 48173 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 48173 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,416 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 Rockwood 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$1321,416$186,900
Additional Upgrades & Added Features$1651,416$233,625
Major Home Updates or Advancements$1981,416$280,350

It's important to understand that when you estimate your replacement cost of your home in the 48173 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 48173

Mercure Agency Inc-Insurance

Address: 22200 Huron River Drive Rockwood, MI 48173
Phone: (734)379-9611
Website:

Best Home & Auto Insurance Agencies in 48173

Housing Demographics for 48173

Population Review for 48173 Zip Code

For the city of Rockwood, the population within 48173 has increased to over 13,890 residents in population size. The current population total is 13,443. We have broken down the population based on race below. In 48173, there are over 6824 in male population and 6619 females.

PopulationValues
Total Population13,443
White Population11458
Black Population561
Hispanic Population646
Asian Population219
Hawaiian Population3
Indian Population61
Other Population152
Male Population6824
Female Population6619
Population Estimate13890

Household Data for 48173

The average number of homes in 48173 is around 5,212, there are an average of 2.57 per household. The average house value according to local real estate values is around $186,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,212
Persons Per Household2.57
Average House Value$186,900
Income Per Household$78438
Median Age41.9
Median Age Male41.6
Median Age Female42.2
48173 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code734
CityRockwood
City Alias NameROCKWOOD
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 Businesses147
Number Of Employees777
Business First Quarter Payroll6101
Business Annual Payroll29538
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 District06
Congressional LandArea3546.74
Delivery Residential5405
Delivery Business156
Delivery Total8186
Preferred Last Line KeyY12676
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State KeyY12676
Land Area11.922000
Water Area2.451000
City Alias Code
City Mixed CaseRockwood
City Alias Mixed CaseRockwood
Box Count54
SFDU4373
MFDU382
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number258120
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 […]