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48236 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 48236 zip code it's important to know that our rates are very competitive for homeowners living in Grosse Pointe, MI. Many homeowners based out of your 48236 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 48236 should appear in the zip code field ready to go. For Grosse Pointe, MI Homeowners Insurance Quotes nearby, we offer the best rates and service.

48236: Average Home Insurance Rates

For homeowners living in the great city of Grosse Pointe, the average homeowners policy is considered medium in comparison to other states. Michigan premiums are estimated to be around $700 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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48236 Home Insurance Average Premiums

Local 48236 homeowners insurance quotes comparison

$450 /yr.

Shows Zip Code: 48236 lowest rates with discounts applied on average.

For the 48236, 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)
$450 /yr.
Average Coverage:$700 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1000 /yr.

What is the average home insurance cost for a home in 48236?

  • • The average homeowners insurance premium paid annually for a home in 48236 is around $700 per year.

What does it cost on average per month for home insurance in 48236?

  • • Homeowners in 48236 pay a monthly average cost per month around $58.00.

What kind of discount could I get if I combine my home and auto insurance together in 48236?

  • • Autoowners in 48236 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 Grosse Pointe area, check out other zip codes nearby 48236.
Review average rates in another zip code:
48236 homeowners insurance rates
48230 homeowners insurance rates

Home Replacement Cost Coverage in 48236

Average Building Cost Per Square Foot in 48236: $132

Location: Grosse Pointe, Michigan (Wayne County)

Average Square Footage in 48236: 2,335 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48236 before you start any project. Grosse Pointe 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 48236 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 48236 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,335 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 Grosse Pointe 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$1322,335$308,200
Additional Upgrades & Added Features$1652,335$385,250
Major Home Updates or Advancements$1982,335$462,300

It's important to understand that when you estimate your replacement cost of your home in the 48236 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 48236

Best Home & Auto Insurance Agencies in 48236

Bruwier- Sally J - State Farm Insurance Agent

Address: 20943 Mack Ave Grosse Pointe Woods, MI 48236
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

L A Insurance Agencies

Address: 2179 E 8 Mile Rd Grosse Pointe Woods, MI 48236
Phone:
Website:
Info:

Meador- Sandra - State Farm Insurance Agent

Address: 19587 Mack Ave Grosse Pointe Woods, MI 48236
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Lazar- Edmund J - State Farm Insurance Agent

Address: 18352 Mack Ave Grosse Pointe Farms, MI 48236
Phone:
Website:
Info:

Housing Demographics for 48236

Population Review for 48236 Zip Code

For the city of Grosse Pointe, the population within 48236 has increased to over 31,784 residents in population size. The current population total is 31,286. We have broken down the population based on race below. In 48236, there are over 15114 in male population and 16172 females.

PopulationValues
Total Population31,286
White Population25664
Black Population3228
Hispanic Population853
Asian Population674
Hawaiian Population8
Indian Population45
Other Population197
Male Population15114
Female Population16172
Population Estimate31784

Household Data for 48236

The average number of homes in 48236 is around 12,277, there are an average of 2.52 per household. The average house value according to local real estate values is around $308,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,277
Persons Per Household2.52
Average House Value$308,200
Income Per Household$120156
Median Age45.3
Median Age Male42.9
Median Age Female47.3
48236 DetailsValues
StateMI
State Full NameMichigan
City TypeB
City Alias Abbreviation
Area Code313
CityGrosse Pointe
City Alias NameGROSSE POINTE
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 Businesses803
Number Of Employees12480
Business First Quarter Payroll162128
Business Annual Payroll706387
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 District10|13
Congressional LandArea4140.44|184.85
Delivery Residential12613
Delivery Business682
Delivery Total14047
Preferred Last Line KeyY12011
Classification Code
Multi-CountyY
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State KeyY12011
Land Area7.478000
Water Area2.380000
City Alias Code
City Mixed CaseGrosse Pointe
City Alias Mixed CaseGrosse Pointe
Box Count419
SFDU12330
MFDU133
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeB
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

  • 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 […]