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Find the Best Home Insurance Rates in 48226
Shopping for homeowners insurance in 48226 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Detroit, MI and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.
We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Michigan licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.
If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 48226 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.
Home Insurance Rate Quotes in 48226
Find Detroit, MI Homeowners Insurance Quotes to review the best coverage options in your area.
48226 Home Insurance Rating is: medium!
In 48226 the average premium is $755. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.
A Quick Tip: For homeowners living in 48226, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.
Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 48226!
48226 Home Insurance Average Premiums
For the 48226, 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) | $505 /yr. |
Average Coverage: | $755 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1055 /yr. |
What is the average home insurance cost for a home in 48226?
- • The average homeowners insurance premium paid annually for a home in 48226 is around $755 per year.
What does it cost on average per month for home insurance in 48226?
- • Homeowners in 48226 pay a monthly average cost per month around $63.00.
What kind of discount could I get if I combine my home and auto insurance together in 48226?
- • Autoowners in 48226 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 48226.
Review average rates in another zip code:
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48226 homeowners insurance rates
Home Replacement Cost Coverage in 48226
Average Building Cost Per Square Foot in 48226: $132
Location: Detroit, Michigan (Wayne County)Average Square Footage in 48226: 2,014 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48226 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 48226 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 48226 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,014 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
---|---|---|---|
Basic Home Features | $132 | 2,014 | $265,900 |
Additional Upgrades & Added Features | $165 | 2,014 | $332,375 |
Major Home Updates or Advancements | $198 | 2,014 | $398,850 |
It's important to understand that when you estimate your replacement cost of your home in the 48226 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 48226
Best Home & Auto Insurance Agencies in 48226
Blue Cross and Blue Shield of Michigan
Address: 600 E Lafayette Blvd Detroit, MI 48226Phone:
Website:
Info:
Blue Cross Foundation
Address: 600 W Lafayette Blvd Detroit, MI 48226Phone:
Website:
Info:
You Walk Bail Bond Agency
Address: 1442 Brush St Detroit, MI 48226Phone:
Website: http://www.youwalkbailbondagency.com/detroit.html
Info:
Allstate Insurance
Address: 645 Griswold St Detroit, MI 48226Phone:
Website:
Info:
Housing Demographics for 48226
Population Review for 48226 Zip Code
For the city of Detroit, the population within 48226 has increased to over 6,618 residents in population size. The current population total is 6,307. We have broken down the population based on race below. In 48226, there are over 3777 in male population and 2530 females.
Population | Values |
---|---|
Total Population | 6,307 |
White Population | 3428 |
Black Population | 1923 |
Hispanic Population | 415 |
Asian Population | 398 |
Hawaiian Population | 6 |
Indian Population | 26 |
Other Population | 142 |
Male Population | 3777 |
Female Population | 2530 |
Population Estimate | 6618 |
Household Data for 48226
The average number of homes in 48226 is around 4,085, there are an average of 1.33 per household. The average house value according to local real estate values is around $265,900. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 4,085 |
Persons Per Household | 1.33 |
Average House Value | $265,900 |
Income Per Household | $75236 |
Median Age | 34.9 |
Median Age Male | 36.0 |
Median Age Female | 33.5 |
48226 Details | Values |
---|---|
State | MI |
State Full Name | Michigan |
City Type | P |
City Alias Abbreviation | |
Area Code | 313/586/248/734/947 |
City | Detroit |
City Alias Name | DETROIT |
County | Wayne |
County FIPS | 163 |
State FIPS | 26 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | 2162 |
PMSA | 2160 |
CSA | 220 |
CBSA | 19820 |
CBSA_DIV | 19804 |
CBSA_Type | Metro |
CBSA_Name | Detroit-Warren-Dearborn, MI |
MSA_Name | Detroit-Ann Arbor-Flint, MI CMSA |
PMSA_Name | Detroit, MI PMSA |
Region | Midwest |
Division | East North Central |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 1090 |
Number Of Employees | 58338 |
Business First Quarter Payroll | 1505983 |
Business Annual Payroll | 6054557 |
Business Employment Flag | |
Growth Rank | 0 |
Growth Housing Units 2003 | |
Growth Housing Units 2004 | |
Growth Increase Number | 0 |
Growth Increase Percentage | 0.0 |
Metropolitan Details | Values |
---|---|
CBSA Population | 4296250 |
CBSA Division Population | 1820584 |
Congressional District | 13 |
Congressional LandArea | 184.85 |
Delivery Residential | 4976 |
Delivery Business | 1578 |
Delivery Total | 6548 |
Preferred Last Line Key | Y11742 |
Classification Code | |
Multi-County | |
CSA Name | Detroit-Warren-Ann Arbor, MI |
CBSA_DIV_Name | Detroit-Dearborn-Livonia, MI |
City State Key | Y11742 |
Land Area | 1.216000 |
Water Area | 0.000000 |
City Alias Code | |
City Mixed Case | Detroit |
City Alias Mixed Case | Detroit |
Box Count | 0 |
SFDU | 297 |
MFDU | 4416 |
State ANSI | 26 |
County ANSI | 163 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | Y |
Carrier Route Rate Sortation | D |
Finance Number | 252490 |
Unique ZIP Name | |
SSA State County Code | 23810 |
Medicare CBSA Code | 19804 |
Medicare CBSA Name | Detroit-Dearborn-Livonia, MI |
Medicare CBSA Type | Metro |
Market Rating Area ID | 1 |
County Mixed Case | Wayne |
Michigan Homeowners Insurance News & Information
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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 […]
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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 […]
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$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 […]