Compare 48314 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Sterling Heights just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 8,610 neighbors looking to save on their home insurance policy in the local 48314 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 48314. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Michigan rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Sterling Heights, MI home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Sterling Heights, MI

48314 Home Insurance Average Premiums

Local 48314 homeowners insurance quotes comparison

$494 /yr.

Shows Zip Code: 48314 lowest rates with discounts applied on average.

For the 48314, 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)	$494 /yr.
Average Coverage:	$744 /yr.
2600 sq. ft. or higher (all discounts applied)	$1044 /yr.

What is the average home insurance cost for a home in 48314?

• The average homeowners insurance premium paid annually for a home in 48314 is around $744 per year.

What does it cost on average per month for home insurance in 48314?

• Homeowners in 48314 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 48314?

• Autoowners in 48314 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 Sterling Heights area, check out other zip codes nearby 48314.
Review average rates in another zip code:
48312 homeowners insurance rates
48310 homeowners insurance rates
48314 homeowners insurance rates
48313 homeowners insurance rates

Home Replacement Cost Coverage in 48314

Average Building Cost Per Square Foot in 48314: $132

Location: Sterling Heights, Michigan (Macomb County)

Average Square Footage in 48314: 1,983 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48314 before you start any project. Sterling Heights 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 48314 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 48314 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,983 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 Sterling Heights 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	1,983	$261,800
Additional Upgrades & Added Features	$165	1,983	$327,250
Major Home Updates or Advancements	$198	1,983	$392,700

Calculate Your Dwelling Coverage in 48314

It's important to understand that when you estimate your replacement cost of your home in the 48314 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 Home & Auto Insurance Agencies in 48314

Allstate Insurance Company - John Ivkov

Address: 42770 Van Dyke Ave Sterling Heights, MI 48314
Phone:
Website: http://www.allstateagencies.com/035833?cid=OTC-YP.com-IYP&att=TL
Info:

State Farm Insurance Companies

Address: 43120 Utica Rd Sterling Heights, MI 48314
Phone:
Website:
Info:

Allstate Insurance Company - Craig Borowsky

Address: 41300 Dequindre Rd Sterling Heights, MI 48314
Phone:
Website: http://www.allstateagencies.com/045065?cid=OTC-YP.com-IYP&att=TL
Info:

Millennium Insurance

Address: 43807 Van Dyke Ave Sterling Heights, MI 48314
Phone:
Website: http://www.startmichiganinsurance.com/
Info:

Housing Demographics for 48314

Population Review for 48314 Zip Code

For the city of Sterling Heights, the population within 48314 has increased to over 22,530 residents in population size. The current population total is 21,614. We have broken down the population based on race below. In 48314, there are over 10437 in male population and 11177 females.

Population	Values
Total Population	21,614
White Population	17263
Black Population	1078
Hispanic Population	725
Asian Population	1965
Hawaiian Population	2
Indian Population	65
Other Population	257
Male Population	10437
Female Population	11177
Population Estimate	22530

Household Data for 48314

The average number of homes in 48314 is around 8,610, there are an average of 2.50 per household. The average house value according to local real estate values is around $261,800. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	8,610
Persons Per Household	2.50
Average House Value	$261,800
Income Per Household	$70331
Median Age	44.0
Median Age Male	41.7
Median Age Female	46.4

48314 Details	Values
State	MI
State Full Name	Michigan
City Type	B
City Alias Abbreviation	STERLING HTS
Area Code	586
City	Sterling Heights
City Alias Name	STERLING HEIGHTS
County	Macomb
County FIPS	099
State FIPS	26
Time Zone	5
Day Light Saving	Y
MSA	2162
PMSA	2160
CSA	220
CBSA	19820
CBSA_DIV	47664
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	687
Number Of Employees	12262
Business First Quarter Payroll	178713
Business Annual Payroll	725331
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	2475666
Congressional District	10
Congressional LandArea	4140.44
Delivery Residential	9012
Delivery Business	709
Delivery Total	12052
Preferred Last Line Key	Y12936
Classification Code
Multi-County
CSA Name	Detroit-Warren-Ann Arbor, MI
CBSA_DIV_Name	Warren-Troy-Farmington Hills, MI
City State Key	Y12936
Land Area	7.789000
Water Area	0.033000
City Alias Code
City Mixed Case	Sterling Heights
City Alias Mixed Case	Sterling Heights
Box Count	0
SFDU	4430
MFDU	1061
State ANSI	26
County ANSI	099
ZIP Intro
Alias Intro
Facility Code	B
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	259510
Unique ZIP Name
SSA State County Code	23490
Medicare CBSA Code	47664
Medicare CBSA Name	Warren-Troy-Farmington Hills, MI
Medicare CBSA Type	Metro
Market Rating Area ID	2
County Mixed Case	Macomb

Michigan Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

Home Insurance Quotes in 48314!