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48428 Home Insurance Rates & Premiums

Did you know there are over 4,897 people living within the 48428 zip code area? There are over 1,881 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 48428.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $729 a year for a standard homeowners insurance policy in Dryden. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Dryden, MI Homeowners Insurance Quotes Online

48428 Home Insurance Average Premiums

Local 48428 homeowners insurance quotes comparison

$479 /yr.

Shows Zip Code: 48428 lowest rates with discounts applied on average.

For the 48428, 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)		$479 /yr.
Average Coverage:$729 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1029 /yr.

What is the average home insurance cost for a home in 48428?

  • • The average homeowners insurance premium paid annually for a home in 48428 is around $729 per year.

What does it cost on average per month for home insurance in 48428?

  • • Homeowners in 48428 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 48428?

  • • Autoowners in 48428 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 Dryden area, check out other zip codes nearby 48428.
Review average rates in another zip code:
48428 homeowners insurance rates

Home Replacement Cost Coverage in 48428

Average Building Cost Per Square Foot in 48428: $132

Location: Dryden, Michigan (Lapeer County)

Average Square Footage in 48428: 1,943 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48428 before you start any project. Dryden 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 48428 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 48428 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,943 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 Dryden 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$1321,943$256,500
Additional Upgrades & Added Features$1651,943$320,625
Major Home Updates or Advancements$1981,943$384,750

It's important to understand that when you estimate your replacement cost of your home in the 48428 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 48428

Best Home & Auto Insurance Agencies in 48428

Housing Demographics for 48428

Population Review for 48428 Zip Code

For the city of Dryden, the population within 48428 has increased to over 4,882 residents in population size. The current population total is 4,897. We have broken down the population based on race below. In 48428, there are over 2615 in male population and 2282 females.

PopulationValues
Total Population4,897
White Population4590
Black Population16
Hispanic Population115
Asian Population15
Hawaiian Population0
Indian Population8
Other Population36
Male Population2615
Female Population2282
Population Estimate4882

Household Data for 48428

The average number of homes in 48428 is around 1,881, there are an average of 2.60 per household. The average house value according to local real estate values is around $256,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,881
Persons Per Household2.60
Average House Value$256,500
Income Per Household$82272
Median Age47.8
Median Age Male47.5
Median Age Female48.3
48428 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code810
CityDryden
City Alias NameDRYDEN
CountyLapeer
County FIPS087
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 Businesses75
Number Of Employees348
Business First Quarter Payroll2609
Business Annual Payroll13946
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 Residential1878
Delivery Business19
Delivery Total2224
Preferred Last Line KeyY11771
Classification Code
Multi-CountyY
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY11771
Land Area33.026000
Water Area0.616000
City Alias Code
City Mixed CaseDryden
City Alias Mixed CaseDryden
Box Count201
SFDU1752
MFDU1
State ANSI26
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number252640
Unique ZIP Name
SSA State County Code23430
Medicare CBSA Code47664
Medicare CBSA NameWarren-Troy-Farmington Hills, MI
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseLapeer

Michigan Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]