Get multiple home insurance quotes in 48213. Our licensed 48213, MI agents are ready to serve you.

Compare 48213 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 48213 area? The average homeowners premium in Michigan for a standard homeowners policy is around $741/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 48213 zip code, the population size is around 19,088 with 7,359 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 48213.

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 Detroit, MI Homeowners Insurance. Compare companies, quotes, coverages and more.

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

48213 Home Insurance Average Premiums

Local 48213 homeowners insurance quotes comparison

$491 /yr.

Shows Zip Code: 48213 lowest rates with discounts applied on average.

For the 48213, 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)
$491 /yr.
Average Coverage:$741 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1041 /yr.

What is the average home insurance cost for a home in 48213?

  • • The average homeowners insurance premium paid annually for a home in 48213 is around $741 per year.

What does it cost on average per month for home insurance in 48213?

  • • Homeowners in 48213 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 48213?

  • • Autoowners in 48213 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 Detroit area, check out other zip codes nearby 48213.
Review average rates in another zip code:
48226 homeowners insurance rates
48204 homeowners insurance rates
48217 homeowners insurance rates
48227 homeowners insurance rates
48201 homeowners insurance rates
48211 homeowners insurance rates
48214 homeowners insurance rates
48213 homeowners insurance rates
48209 homeowners insurance rates
48207 homeowners insurance rates

Home Replacement Cost Coverage in 48213

Average Building Cost Per Square Foot in 48213: $132

Location: Detroit, Michigan (Wayne County)

Average Square Footage in 48213: 299 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48213 before you start any project. Detroit 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 48213 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 48213 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 299 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 Detroit 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$132299$39,500
Additional Upgrades & Added Features$165299$49,375
Major Home Updates or Advancements$198299$59,250

It's important to understand that when you estimate your replacement cost of your home in the 48213 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 48213

Best Home & Auto Insurance Agencies in 48213

Housing Demographics for 48213

Population Review for 48213 Zip Code

For the city of Detroit, the population within 48213 has increased to over 19,532 residents in population size. The current population total is 19,088. We have broken down the population based on race below. In 48213, there are over 9496 in male population and 9592 females.

PopulationValues
Total Population19,088
White Population530
Black Population17776
Hispanic Population224
Asian Population41
Hawaiian Population4
Indian Population74
Other Population93
Male Population9496
Female Population9592
Population Estimate19532

Household Data for 48213

The average number of homes in 48213 is around 7,359, there are an average of 2.54 per household. The average house value according to local real estate values is around $39,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,359
Persons Per Household2.54
Average House Value$39,500
Income Per Household$28718
Median Age39.0
Median Age Male38.0
Median Age Female40.1
48213 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code313
CityDetroit
City Alias NameDETROIT
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 Businesses191
Number Of Employees4062
Business First Quarter Payroll57510
Business Annual Payroll256981
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 Residential7690
Delivery Business451
Delivery Total8646
Preferred Last Line KeyY11742
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State KeyY11742
Land Area6.525000
Water Area0.000000
City Alias Code
City Mixed CaseDetroit
City Alias Mixed CaseDetroit
Box Count229
SFDU7033
MFDU408
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number252490
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

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    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 […]