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Find the Best Home Insurance Rates in 48386

Shopping for homeowners insurance in 48386 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in White Lake, MI and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Michigan licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 48386 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 48386

Find White Lake, MI Homeowners Insurance Quotes to review the best coverage options in your area.

48386 Home Insurance Rating is: medium!

In 48386 the average premium is $726. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 48386, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 48386!

48386 Home Insurance Average Premiums

Local 48386 homeowners insurance quotes comparison

$476 /yr.

Shows Zip Code: 48386 lowest rates with discounts applied on average.

For the 48386, 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)
$476 /yr.
Average Coverage:$726 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1026 /yr.

What is the average home insurance cost for a home in 48386?

  • • The average homeowners insurance premium paid annually for a home in 48386 is around $726 per year.

What does it cost on average per month for home insurance in 48386?

  • • Homeowners in 48386 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 48386?

  • • Autoowners in 48386 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 White Lake area, check out other zip codes nearby 48386.
Review average rates in another zip code:
48386 homeowners insurance rates
48383 homeowners insurance rates

Home Replacement Cost Coverage in 48386

Average Building Cost Per Square Foot in 48386: $132

Location: White Lake, Michigan (Oakland County)

Average Square Footage in 48386: 1,935 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48386 before you start any project. White Lake 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 48386 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 48386 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,935 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 White Lake 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$1321,935$255,400
Additional Upgrades & Added Features$1651,935$319,250
Major Home Updates or Advancements$1981,935$383,100

It's important to understand that when you estimate your replacement cost of your home in the 48386 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 48386

Allstate Insurance - Shirl Crowe-Gondek

Address: 9135 Highland Road Ste. #5 White Lake, MI 48386
Phone: (248)698-1731
Website:

Best Home & Auto Insurance Agencies in 48386

Allstate Insurance Company - Shirl Crowe

Address: 9135 Highland Rd White Lake, MI 48386
Phone:
Website: http://www.allstateagencies.com/024292?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance - Shirl Crowe-Gondek

Address: 9135 Highland Rd, Ste 5 White Lake, MI 48386
Phone:
Website:
Info:

Housing Demographics for 48386

Population Review for 48386 Zip Code

For the city of White Lake, the population within 48386 has increased to over 19,220 residents in population size. The current population total is 17,904. We have broken down the population based on race below. In 48386, there are over 8792 in male population and 9112 females.

PopulationValues
Total Population17,904
White Population15946
Black Population291
Hispanic Population702
Asian Population262
Hawaiian Population0
Indian Population56
Other Population124
Male Population8792
Female Population9112
Population Estimate19220

Household Data for 48386

The average number of homes in 48386 is around 7,177, there are an average of 2.48 per household. The average house value according to local real estate values is around $255,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,177
Persons Per Household2.48
Average House Value$255,400
Income Per Household$83598
Median Age45.8
Median Age Male44.4
Median Age Female47.2
48386 DetailsValues
StateMI
State Full NameMichigan
City TypeN
City Alias Abbreviation
Area Code248
CityWhite Lake
City Alias NameWHITE LAKE
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 Businesses270
Number Of Employees2857
Business First Quarter Payroll21714
Business Annual Payroll95199
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|11
Congressional LandArea183.59|419.26
Delivery Residential7750
Delivery Business235
Delivery Total9223
Preferred Last Line KeyY13100
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY13100
Land Area16.809000
Water Area2.471000
City Alias Code
City Mixed CaseWhite Lake
City Alias Mixed CaseWhite Lake
Box Count0
SFDU6110
MFDU399
State ANSI26
County ANSI125
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number259750
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 […]