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48356 Home Insurance Rates

Getting multiple homeowners insurance rates in 48356 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Highland, MI. Many homeowners based out of the 48356 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Michigan licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 48356 should appear in the zip code field ready to go. For Highland, MI Home Insurance Quotes, Click to easily get started!

48356 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 48356 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Highland. For a basic HO-3, standard homeowners policy, the average premium per year in Michigan is around $770. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 48356 zip code today and let us help you save time and money on your homeowners insurance premium.

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48356 Home Insurance Average Premiums

Local 48356 homeowners insurance quotes comparison

$520 /yr.

Shows Zip Code: 48356 lowest rates with discounts applied on average.

For the 48356, 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)
$520 /yr.
Average Coverage:$770 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1070 /yr.

What is the average home insurance cost for a home in 48356?

  • • The average homeowners insurance premium paid annually for a home in 48356 is around $770 per year.

What does it cost on average per month for home insurance in 48356?

  • • Homeowners in 48356 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 48356?

  • • Autoowners in 48356 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 Highland area, check out other zip codes nearby 48356.
Review average rates in another zip code:
48357 homeowners insurance rates
48356 homeowners insurance rates

Home Replacement Cost Coverage in 48356

Average Building Cost Per Square Foot in 48356: $132

Location: Highland, Michigan (Oakland County)

Average Square Footage in 48356: 2,054 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48356 before you start any project. Highland 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 48356 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 48356 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,054 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 Highland 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$1322,054$271,100
Additional Upgrades & Added Features$1652,054$338,875
Major Home Updates or Advancements$1982,054$406,650

It's important to understand that when you estimate your replacement cost of your home in the 48356 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 48356

Best Home & Auto Insurance Agencies in 48356

Johnson- Dale W

Address: 2230 E Highland Rd Highland, MI 48356
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

State Farm Insurance CO

Address: 3005 E Highland Rd Highland, MI 48356
Phone:
Website:
Info:

Housing Demographics for 48356

Population Review for 48356 Zip Code

For the city of Highland, the population within 48356 has increased to over 8,684 residents in population size. The current population total is 8,380. We have broken down the population based on race below. In 48356, there are over 4234 in male population and 4146 females.

PopulationValues
Total Population8,380
White Population7805
Black Population29
Hispanic Population183
Asian Population41
Hawaiian Population1
Indian Population24
Other Population34
Male Population4234
Female Population4146
Population Estimate8684

Household Data for 48356

The average number of homes in 48356 is around 3,300, there are an average of 2.54 per household. The average house value according to local real estate values is around $271,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,300
Persons Per Household2.54
Average House Value$271,100
Income Per Household$96446
Median Age45.3
Median Age Male44.4
Median Age Female46.1
48356 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code248
CityHighland
City Alias NameHIGHLAND
CountyOakland
County FIPS125
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA2160
CSA220
CBSA19820
CBSA_DIV47664
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 Businesses155
Number Of Employees988
Business First Quarter Payroll9500
Business Annual Payroll45091
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 Population2475666
Congressional District09
Congressional LandArea183.59
Delivery Residential3419
Delivery Business113
Delivery Total4232
Preferred Last Line KeyY12072
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY12072
Land Area14.006000
Water Area1.395000
City Alias Code
City Mixed CaseHighland
City Alias Mixed CaseHighland
Box Count0
SFDU3333
MFDU72
State ANSI26
County ANSI125
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number254360
Unique ZIP Name
SSA State County Code23620
Medicare CBSA Code47664
Medicare CBSA NameWarren-Troy-Farmington Hills, MI
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseOakland

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 […]