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48465 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 48465? There are over 266 occupied homes in the 48465 area. With a population size of 575, it's not uncommon for residence of Palms, MI to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Michigan is around $750 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 48465 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Palms, MI Home Insurance Rate Quotes

48465 Home Insurance Average Premiums

Local 48465 homeowners insurance quotes comparison

$500 /yr.

Shows Zip Code: 48465 lowest rates with discounts applied on average.

For the 48465, 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)		$500 /yr.
Average Coverage:$750 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1050 /yr.

What is the average home insurance cost for a home in 48465?

  • • The average homeowners insurance premium paid annually for a home in 48465 is around $750 per year.

What does it cost on average per month for home insurance in 48465?

  • • Homeowners in 48465 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 48465?

  • • Autoowners in 48465 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 Palms area, check out other zip codes nearby 48465.
Review average rates in another zip code:
48465 homeowners insurance rates

Home Replacement Cost Coverage in 48465

Average Building Cost Per Square Foot in 48465: $132

Location: Palms, Michigan (Sanilac County)

Average Square Footage in 48465: 1,111 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48465 before you start any project. Palms 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 48465 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 48465 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,111 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 Palms 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$1321,111$146,600
Additional Upgrades & Added Features$1651,111$183,250
Major Home Updates or Advancements$1981,111$219,900

It's important to understand that when you estimate your replacement cost of your home in the 48465 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 48465

Best Home & Auto Insurance Agencies in 48465

Housing Demographics for 48465

Population Review for 48465 Zip Code

For the city of Palms, the population within 48465 has increased to over 704 residents in population size. The current population total is 575. We have broken down the population based on race below. In 48465, there are over 294 in male population and 281 females.

PopulationValues
Total Population575
White Population537
Black Population1
Hispanic Population28
Asian Population4
Hawaiian Population0
Indian Population1
Other Population6
Male Population294
Female Population281
Population Estimate704

Household Data for 48465

The average number of homes in 48465 is around 266, there are an average of 2.16 per household. The average house value according to local real estate values is around $146,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode266
Persons Per Household2.16
Average House Value$146,600
Income Per Household$54375
Median Age48.2
Median Age Male46.0
Median Age Female51.5
48465 DetailsValues
StateMI
State Full NameMichigan
City TypeN
City Alias Abbreviation
Area Code989
CityPalms
City Alias NamePALMS
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 Employees33
Business First Quarter Payroll384
Business Annual Payroll1865
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 Residential326
Delivery Business3
Delivery Total329
Preferred Last Line KeyY12543
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY12543
Land Area42.028000
Water Area1.413000
City Alias Code
City Mixed CasePalms
City Alias Mixed CasePalms
Box Count0
SFDU326
MFDU0
State ANSI26
County ANSI151
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number256250
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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