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48184, MI Home Insurance

In the zip code of 48184, the population size is around 17,776, which consists of 7,454 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Wayne, MI. A few years ago, a study was done and found that the average home insurance rates for Michigan are around $747 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 48184 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Wayne. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Wayne, MI Homeowners Insurance Online Rates Today!

48184 Home Insurance Average Premiums

Local 48184 homeowners insurance quotes comparison

$497 /yr.

Shows Zip Code: 48184 lowest rates with discounts applied on average.

For the 48184, 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)
$497 /yr.
Average Coverage:$747 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1047 /yr.

What is the average home insurance cost for a home in 48184?

  • • The average homeowners insurance premium paid annually for a home in 48184 is around $747 per year.

What does it cost on average per month for home insurance in 48184?

  • • Homeowners in 48184 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 48184?

  • • Autoowners in 48184 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 Wayne area, check out other zip codes nearby 48184.
Review average rates in another zip code:
48184 homeowners insurance rates

Home Replacement Cost Coverage in 48184

Average Building Cost Per Square Foot in 48184: $132

Location: Wayne, Michigan (Wayne County)

Average Square Footage in 48184: 830 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48184 before you start any project. Wayne 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 48184 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 48184 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 830 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 Wayne 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$132830$109,600
Additional Upgrades & Added Features$165830$137,000
Major Home Updates or Advancements$198830$164,400

It's important to understand that when you estimate your replacement cost of your home in the 48184 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 48184

Best Home & Auto Insurance Agencies in 48184

Professional Insurance Associates

Address: 3028 S Wayne Rd Wayne, MI 48184
Phone:
Website:
Info:

Hatmaker- Kevin L - State Farm Insurance Agent

Address: 38536 Michigan Ave Wayne, MI 48184
Phone:
Website:
Info:

Housing Demographics for 48184

Population Review for 48184 Zip Code

For the city of Wayne, the population within 48184 has increased to over 17,871 residents in population size. The current population total is 17,776. We have broken down the population based on race below. In 48184, there are over 8619 in male population and 9157 females.

PopulationValues
Total Population17,776
White Population11218
Black Population4195
Hispanic Population872
Asian Population374
Hawaiian Population6
Indian Population87
Other Population343
Male Population8619
Female Population9157
Population Estimate17871

Household Data for 48184

The average number of homes in 48184 is around 7,454, there are an average of 2.35 per household. The average house value according to local real estate values is around $109,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,454
Persons Per Household2.35
Average House Value$109,600
Income Per Household$47856
Median Age39.7
Median Age Male38.0
Median Age Female41.3
48184 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code734/248/313
CityWayne
City Alias NameWAYNE
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 Businesses355
Number Of Employees8154
Business First Quarter Payroll130934
Business Annual Payroll527157
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|13
Congressional LandArea3546.74|184.85
Delivery Residential7605
Delivery Business482
Delivery Total11860
Preferred Last Line KeyY13078
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State KeyY13078
Land Area7.200000
Water Area0.001000
City Alias Code
City Mixed CaseWayne
City Alias Mixed CaseWayne
Box Count181
SFDU6280
MFDU1084
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number259790
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 […]