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48472 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 48472 zip code find a great new policy that offers the coverage they need at a price they can afford.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 48472 and start shopping.

Quickly and Easily Compare Average Rates for 48472

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Snover, MI home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 48472

Homeowners in Snover are paying roughly $741 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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48472 Home Insurance Average Premiums

Local 48472 homeowners insurance quotes comparison

$491 /yr.

Shows Zip Code: 48472 lowest rates with discounts applied on average.

For the 48472, 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)
$491 /yr.
Average Coverage:$741 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1041 /yr.

What is the average home insurance cost for a home in 48472?

  • • The average homeowners insurance premium paid annually for a home in 48472 is around $741 per year.

What does it cost on average per month for home insurance in 48472?

  • • Homeowners in 48472 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 48472?

  • • Autoowners in 48472 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 Snover area, check out other zip codes nearby 48472.
Review average rates in another zip code:
48472 homeowners insurance rates

Home Replacement Cost Coverage in 48472

Average Building Cost Per Square Foot in 48472: $132

Location: Snover, Michigan (Sanilac County)

Average Square Footage in 48472: 823 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48472 before you start any project. Snover 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 48472 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 48472 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 823 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 Snover 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$132823$108,700
Additional Upgrades & Added Features$165823$135,875
Major Home Updates or Advancements$198823$163,050

It's important to understand that when you estimate your replacement cost of your home in the 48472 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 48472

Best Home & Auto Insurance Agencies in 48472

Housing Demographics for 48472

Population Review for 48472 Zip Code

For the city of Snover, the population within 48472 has increased to over 1,793 residents in population size. The current population total is 1,691. We have broken down the population based on race below. In 48472, there are over 895 in male population and 796 females.

PopulationValues
Total Population1,691
White Population1603
Black Population4
Hispanic Population64
Asian Population0
Hawaiian Population0
Indian Population9
Other Population29
Male Population895
Female Population796
Population Estimate1793

Household Data for 48472

The average number of homes in 48472 is around 638, there are an average of 2.63 per household. The average house value according to local real estate values is around $108,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode638
Persons Per Household2.63
Average House Value$108,700
Income Per Household$53828
Median Age41.9
Median Age Male40.3
Median Age Female43.6
48472 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code810
CitySnover
City Alias NameSNOVER
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 Businesses22
Number Of Employees138
Business First Quarter Payroll1188
Business Annual Payroll5305
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 Residential682
Delivery Business13
Delivery Total731
Preferred Last Line KeyY12792
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY12792
Land Area73.899000
Water Area0.038000
City Alias Code
City Mixed CaseSnover
City Alias Mixed CaseSnover
Box Count22
SFDU682
MFDU0
State ANSI26
County ANSI151
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number258750
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

  • 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 […]