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48469, MI Homeowners Insurance Rates
With a population size of 1,198 and with 606 occupied homes in the 48469 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Port Sanilac, MI are around $782 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Port Sanilac, Michigan. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!
It's important to know that if your Michigan home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Port Sanilac, MI.
For Michigan home insurance information, including average Port Sanilac home insurance rates, coverage options or the different homeowners insurance types, please select Port Sanilac, MI Home Insurance Quotes Now!
48469 Home Insurance Average Premiums
$532 /yr.
Shows Zip Code: 48469 lowest rates with discounts applied on average.
For the 48469, 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) | $532 /yr. |
| Average Coverage: | $782 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1082 /yr. |
What is the average home insurance cost for a home in 48469?
- • The average homeowners insurance premium paid annually for a home in 48469 is around $782 per year.
What does it cost on average per month for home insurance in 48469?
- • Homeowners in 48469 pay a monthly average cost per month around $65.00.
What kind of discount could I get if I combine my home and auto insurance together in 48469?
- • Autoowners in 48469 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 Port Sanilac area, check out other zip codes nearby 48469.
Review average rates in another zip code:
48469 homeowners insurance rates
Home Replacement Cost Coverage in 48469
Average Building Cost Per Square Foot in 48469: $132
Location: Port Sanilac, Michigan (Sanilac County)Average Square Footage in 48469: 1,159 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48469 before you start any project. Port Sanilac 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 48469 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 48469 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,159 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 Port Sanilac 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $132 | 1,159 | $153,000 |
| Additional Upgrades & Added Features | $165 | 1,159 | $191,250 |
| Major Home Updates or Advancements | $198 | 1,159 | $229,500 |
It's important to understand that when you estimate your replacement cost of your home in the 48469 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 48469
Schillinger Insurance Agency
Address: 30 South Ridge Street Port Sanilac, MI 48469Phone: (810)622-9669
Website: www.schillingerinsurance.com
Best Home & Auto Insurance Agencies in 48469
Schillinger Insurance Agency
Address: 30 N Ridge St Port Sanilac, MI 48469Phone:
Website: http://www.schillingerinsurance.com
Info:
Housing Demographics for 48469
Population Review for 48469 Zip Code
For the city of Port Sanilac, the population within 48469 has increased to over 1,262 residents in population size. The current population total is 1,198. We have broken down the population based on race below. In 48469, there are over 580 in male population and 618 females.
| Population | Values |
|---|---|
| Total Population | 1,198 |
| White Population | 1137 |
| Black Population | 2 |
| Hispanic Population | 32 |
| Asian Population | 3 |
| Hawaiian Population | 0 |
| Indian Population | 5 |
| Other Population | 5 |
| Male Population | 580 |
| Female Population | 618 |
| Population Estimate | 1262 |
Household Data for 48469
The average number of homes in 48469 is around 606, there are an average of 1.93 per household. The average house value according to local real estate values is around $153,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 606 |
| Persons Per Household | 1.93 |
| Average House Value | $153,000 |
| Income Per Household | $46557 |
| Median Age | 58.9 |
| Median Age Male | 57.9 |
| Median Age Female | 59.9 |
| 48469 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 810 |
| City | Port Sanilac |
| City Alias Name | PORT SANILAC |
| County | Sanilac |
| County FIPS | 151 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 31 |
| Number Of Employees | 119 |
| Business First Quarter Payroll | 777 |
| Business Annual Payroll | 4069 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 09 |
| Congressional LandArea | 183.59 |
| Delivery Residential | 654 |
| Delivery Business | 8 |
| Delivery Total | 918 |
| Preferred Last Line Key | Y12599 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y12599 |
| Land Area | 7.887000 |
| Water Area | 0.858000 |
| City Alias Code | |
| City Mixed Case | Port Sanilac |
| City Alias Mixed Case | Port Sanilac |
| Box Count | 193 |
| SFDU | 472 |
| MFDU | 24 |
| State ANSI | 26 |
| County ANSI | 151 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 257700 |
| Unique ZIP Name | |
| SSA State County Code | 23750 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Sanilac |
Michigan Homeowners Insurance News & Information
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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 […]
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Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]