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Home Insurance Quotes in 48420

Are you shopping for a cheaper homeowners insurance rate in 48420? Our rates are very competitive for homeowners living in Clio, MI. Many homeowners located in the 48420 zip code 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 online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 48420. To get free 48420 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 48420 zip code should appear in the zip code field ready to go. Shopping Clio, MI Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 48420 to review the best rate coverages.

Your 48420 Home Insurance Costs Is Rated: Medium!

For the great city of Clio, the average home insurance premium paid annually is around $770 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Michigan specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Clio and need insurance on your home in the 48420 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 48420 Homeowners Insurance Rates Now!

48420 Home Insurance Average Premiums

Local 48420 homeowners insurance quotes comparison

$520 /yr.

Shows Zip Code: 48420 lowest rates with discounts applied on average.

For the 48420, 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 48420?

  • • The average homeowners insurance premium paid annually for a home in 48420 is around $770 per year.

What does it cost on average per month for home insurance in 48420?

  • • Homeowners in 48420 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 48420?

  • • Autoowners in 48420 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 Clio area, check out other zip codes nearby 48420.
Review average rates in another zip code:
48420 homeowners insurance rates

Home Replacement Cost Coverage in 48420

Average Building Cost Per Square Foot in 48420: $132

Location: Clio, Michigan (Genesee County)

Average Square Footage in 48420: 1,027 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48420 before you start any project. Clio 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 48420 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 48420 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,027 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 Clio 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$1321,027$135,600
Additional Upgrades & Added Features$1651,027$169,500
Major Home Updates or Advancements$1981,027$203,400

It's important to understand that when you estimate your replacement cost of your home in the 48420 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 48420

Best Home & Auto Insurance Agencies in 48420

Samson- Randall W

Address: 185 W Vienna St Clio, MI 48420
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

Allstate Insurance CO

Address: 172 W Vienna St, #4 Clio, MI 48420
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 48420

Population Review for 48420 Zip Code

For the city of Clio, the population within 48420 has increased to over 22,092 residents in population size. The current population total is 21,771. We have broken down the population based on race below. In 48420, there are over 10822 in male population and 10949 females.

PopulationValues
Total Population21,771
White Population19750
Black Population412
Hispanic Population728
Asian Population58
Hawaiian Population3
Indian Population107
Other Population174
Male Population10822
Female Population10949
Population Estimate22092

Household Data for 48420

The average number of homes in 48420 is around 8,873, there are an average of 2.41 per household. The average house value according to local real estate values is around $135,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,873
Persons Per Household2.41
Average House Value$135,600
Income Per Household$58443
Median Age45.1
Median Age Male42.9
Median Age Female47.3
48420 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code810
CityClio
City Alias NameCLIO
CountyGenesee
County FIPS049
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA2640
CSA220
CBSA22420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameFlint, MI
MSA_NameDetroit-Ann Arbor-Flint, MI CMSA
PMSA_NameFlint, MI PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses343
Number Of Employees3598
Business First Quarter Payroll28707
Business Annual Payroll129664
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population425790
CBSA Division Population0
Congressional District08
Congressional LandArea1503.18
Delivery Residential9167
Delivery Business407
Delivery Total9840
Preferred Last Line KeyY11656
Classification Code
Multi-CountyY
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY11656
Land Area66.446000
Water Area0.253000
City Alias Code
City Mixed CaseClio
City Alias Mixed CaseClio
Box Count182
SFDU7791
MFDU248
State ANSI26
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number251960
Unique ZIP Name
SSA State County Code23240
Medicare CBSA Code22420
Medicare CBSA NameFlint, MI
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseGenesee

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 […]