48306 Home Insurance Rates

For homeowners living in 48306, the population estimates are increasing to well over 28,455 with 9,992 occupied homes within the zip code of 48306. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Rochester have increased and the average home insurance premium is around $740 per year in 48306. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 48306 zip code today so we can help you find affordable Rochester, MI home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 48306

Please select one of the three options below based on your 48306 zip code to learn more about Michigan homeowners insurance, plus review average rates and information per state, county or city.

1. Michigan Homeowners Insurance Quotes
2. Oakland County, MI Home Insurance
3. Rochester, MI Home Insurance Quotes

48306 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 48306 zip code just got easier with GetHomeInsuranceQuotes.com of Rochester, MI. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 48306 today and let us help you review the best home insurance quotes available for homeowners living in Rochester.

Get 48306 Homeowners Insurance Rates Now!

Average Building Cost Per Square Foot in 48306: $132

Average Square Footage in 48306: 3,291 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48306 before you start any project. Rochester 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 48306 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 48306 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,291 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 Rochester 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.

It's important to understand that when you estimate your replacement cost of your home in the 48306 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.

Allstate Insurance Company - Daniel Sauer

Allstate Insurance Company - Kevin Mlynarek

Household Data for 48306

The average number of homes in 48306 is around 9,992, there are an average of 2.85 per household. The average house value according to local real estate values is around $434,400. Please review the following demographics below for average income and media age.

• 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 […]