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Home Insurance Rates in 48454

For homeowners shopping online in 48454, our insurance rates are very competitive for homeowners living in Melvin, MI. Many homeowners based out of the great city of Melvin 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. Plus, our home insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 48454, simply click the "Get Multiple Quotes Now" button. Your 48454 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Melvin, MI Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

48454 Home Insurance Rating is: Medium!

If you live in 48454, you can easily save up to 40% off the average home insurance premium of $728 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Melvin can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 48454 today!

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48454 Home Insurance Average Premiums

Local 48454 homeowners insurance quotes comparison

$478 /yr.

Shows Zip Code: 48454 lowest rates with discounts applied on average.

For the 48454, 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)		$478 /yr.
Average Coverage:$728 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1028 /yr.

What is the average home insurance cost for a home in 48454?

  • • The average homeowners insurance premium paid annually for a home in 48454 is around $728 per year.

What does it cost on average per month for home insurance in 48454?

  • • Homeowners in 48454 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 48454?

  • • Autoowners in 48454 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 Melvin area, check out other zip codes nearby 48454.
Review average rates in another zip code:
48454 homeowners insurance rates

Home Replacement Cost Coverage in 48454

Average Building Cost Per Square Foot in 48454: $132

Location: Melvin, Michigan (Sanilac County)

Average Square Footage in 48454: 1,079 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48454 before you start any project. Melvin 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 48454 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 48454 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,079 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 Melvin 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$1321,079$142,400
Additional Upgrades & Added Features$1651,079$178,000
Major Home Updates or Advancements$1981,079$213,600

It's important to understand that when you estimate your replacement cost of your home in the 48454 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 48454

Best Home & Auto Insurance Agencies in 48454

Housing Demographics for 48454

Population Review for 48454 Zip Code

For the city of Melvin, the population within 48454 has increased to over 1,332 residents in population size. The current population total is 1,263. We have broken down the population based on race below. In 48454, there are over 666 in male population and 597 females.

PopulationValues
Total Population1,263
White Population1181
Black Population3
Hispanic Population33
Asian Population1
Hawaiian Population0
Indian Population8
Other Population9
Male Population666
Female Population597
Population Estimate1332

Household Data for 48454

The average number of homes in 48454 is around 475, there are an average of 2.66 per household. The average house value according to local real estate values is around $142,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode475
Persons Per Household2.66
Average House Value$142,400
Income Per Household$50833
Median Age47.7
Median Age Male50.1
Median Age Female44.3
48454 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code810
CityMelvin
City Alias NameMELVIN
CountySanilac
County FIPS151
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees14
Business First Quarter Payroll145
Business Annual Payroll633
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District09
Congressional LandArea183.59
Delivery Residential501
Delivery Business9
Delivery Total593
Preferred Last Line KeyY12351
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY12351
Land Area30.201000
Water Area0.008000
City Alias Code
City Mixed CaseMelvin
City Alias Mixed CaseMelvin
Box Count25
SFDU501
MFDU0
State ANSI26
County ANSI151
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number256010
Unique ZIP Name
SSA State County Code23750
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseSanilac

Michigan Homeowners Insurance News & Information

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