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Compare 48430 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Fenton just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 15,694 neighbors looking to save on their home insurance policy in the local 48430 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 48430. 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 Fenton, 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 Fenton, MI

48430 Home Insurance Average Premiums

Local 48430 homeowners insurance quotes comparison

$470 /yr.

Shows Zip Code: 48430 lowest rates with discounts applied on average.

For the 48430, 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)
$470 /yr.
Average Coverage:$720 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1020 /yr.

What is the average home insurance cost for a home in 48430?

  • • The average homeowners insurance premium paid annually for a home in 48430 is around $720 per year.

What does it cost on average per month for home insurance in 48430?

  • • Homeowners in 48430 pay a monthly average cost per month around $60.00.

What kind of discount could I get if I combine my home and auto insurance together in 48430?

  • • Autoowners in 48430 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 Fenton area, check out other zip codes nearby 48430.
Review average rates in another zip code:
48430 homeowners insurance rates

Home Replacement Cost Coverage in 48430

Average Building Cost Per Square Foot in 48430: $132

Location: Fenton, Michigan (Genesee County)

Average Square Footage in 48430: 1,920 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48430 before you start any project. Fenton 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 48430 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 48430 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,920 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 Fenton 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$1321,920$253,400
Additional Upgrades & Added Features$1651,920$316,750
Major Home Updates or Advancements$1981,920$380,100

It's important to understand that when you estimate your replacement cost of your home in the 48430 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 48430

Best Home & Auto Insurance Agencies in 48430

Jones- Keith E

Address: 1123 N Leroy St Fenton, MI 48430
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

Brad Hoffman Agency Incorporated

Address: 102 S Leroy St Fenton, MI 48430
Phone:
Website:
Info:

Allstate Insurance Company - Kathy Brundle

Address: 1250 N Leroy St Fenton, MI 48430
Phone:
Website: http://www.allstateagencies.com/046807?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance Companies - Sales Offices- Fenton

Address: 1442 Torrey Rd Fenton, MI 48430
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

Michael English-Farmers Insurance

Address: 505 N Leroy St Fenton, MI 48430
Phone:
Website: http://www.farmersagent.com/menglish/
Info:

Housing Demographics for 48430

Population Review for 48430 Zip Code

For the city of Fenton, the population within 48430 has increased to over 42,303 residents in population size. The current population total is 39,594. We have broken down the population based on race below. In 48430, there are over 19395 in male population and 20199 females.

PopulationValues
Total Population39,594
White Population36300
Black Population335
Hispanic Population1252
Asian Population338
Hawaiian Population11
Indian Population115
Other Population259
Male Population19395
Female Population20199
Population Estimate42303

Household Data for 48430

The average number of homes in 48430 is around 15,694, there are an average of 2.51 per household. The average house value according to local real estate values is around $253,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,694
Persons Per Household2.51
Average House Value$253,400
Income Per Household$88196
Median Age42.3
Median Age Male41.0
Median Age Female43.5
48430 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code810/248
CityFenton
City Alias NameFENTON
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 Businesses939
Number Of Employees11227
Business First Quarter Payroll114905
Business Annual Payroll534349
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 District07|08|09
Congressional LandArea4227.73|1503.18|183.59
Delivery Residential16854
Delivery Business821
Delivery Total18417
Preferred Last Line KeyY11868
Classification Code
Multi-CountyY
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY11868
Land Area83.182000
Water Area5.687000
City Alias Code
City Mixed CaseFenton
City Alias Mixed CaseFenton
Box Count219
SFDU12359
MFDU2163
State ANSI26
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number253200
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 […]