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Are you paying too much for homeowners insurance in 48229? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Ecorse, MI that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Michigan licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 48229?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 48229 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 48229 and get ready to save.

3 Easy Ways To Save Money In 48229

These three links will help you explore home insurance quotes in 48229 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 48229 Home Insurance Costs Rated: medium!

The average price for a homeowners insurance policy in Ecorse is roughly $745. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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48229 Home Insurance Average Premiums

Local 48229 homeowners insurance quotes comparison

$495 /yr.

Shows Zip Code: 48229 lowest rates with discounts applied on average.

For the 48229, 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)
$495 /yr.
Average Coverage:$745 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1045 /yr.

What is the average home insurance cost for a home in 48229?

  • • The average homeowners insurance premium paid annually for a home in 48229 is around $745 per year.

What does it cost on average per month for home insurance in 48229?

  • • Homeowners in 48229 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 48229?

  • • Autoowners in 48229 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 Ecorse area, check out other zip codes nearby 48229.
Review average rates in another zip code:
48229 homeowners insurance rates

Home Replacement Cost Coverage in 48229

Average Building Cost Per Square Foot in 48229: $132

Location: Ecorse, Michigan (Wayne County)

Average Square Footage in 48229: 382 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48229 before you start any project. Ecorse 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 48229 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 48229 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 382 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 Ecorse 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$132382$50,400
Additional Upgrades & Added Features$165382$63,000
Major Home Updates or Advancements$198382$75,600

It's important to understand that when you estimate your replacement cost of your home in the 48229 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 48229

Best Home & Auto Insurance Agencies in 48229

Housing Demographics for 48229

Population Review for 48229 Zip Code

For the city of Ecorse, the population within 48229 has increased to over 9,651 residents in population size. The current population total is 9,258. We have broken down the population based on race below. In 48229, there are over 4487 in male population and 4771 females.

PopulationValues
Total Population9,258
White Population3135
Black Population4303
Hispanic Population1681
Asian Population33
Hawaiian Population2
Indian Population104
Other Population748
Male Population4487
Female Population4771
Population Estimate9651

Household Data for 48229

The average number of homes in 48229 is around 3,591, there are an average of 2.56 per household. The average house value according to local real estate values is around $50,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,591
Persons Per Household2.56
Average House Value$50,400
Income Per Household$36985
Median Age35.4
Median Age Male34.5
Median Age Female35.8
48229 DetailsValues
StateMI
State Full NameMichigan
City TypeN
City Alias Abbreviation
Area Code313
CityEcorse
City Alias NameECORSE
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 Businesses74
Number Of Employees1894
Business First Quarter Payroll29114
Business Annual Payroll114577
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 Residential3770
Delivery Business167
Delivery Total4857
Preferred Last Line Key010962
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State Key010962
Land Area2.834000
Water Area0.879000
City Alias Code
City Mixed CaseEcorse
City Alias Mixed CaseEcorse
Box Count26
SFDU3321
MFDU218
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeN
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 […]