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Are you paying too much for homeowners insurance in 48504? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Flint, MI that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Michigan licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 48504?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 48504 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 48504 and get ready to save.

3 Easy Ways To Save Money In 48504

These three links will help you explore home insurance quotes in 48504 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 48504 Home Insurance Costs Rated: medium!

The average price for a homeowners insurance policy in Flint is roughly $749. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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48504 Home Insurance Average Premiums

Local 48504 homeowners insurance quotes comparison

$499 /yr.

Shows Zip Code: 48504 lowest rates with discounts applied on average.

For the 48504, 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)
$499 /yr.
Average Coverage:$749 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1049 /yr.

What is the average home insurance cost for a home in 48504?

  • • The average homeowners insurance premium paid annually for a home in 48504 is around $749 per year.

What does it cost on average per month for home insurance in 48504?

  • • Homeowners in 48504 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 48504?

  • • Autoowners in 48504 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 Flint area, check out other zip codes nearby 48504.
Review average rates in another zip code:
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48505 homeowners insurance rates

Home Replacement Cost Coverage in 48504

Average Building Cost Per Square Foot in 48504: $132

Location: Flint, Michigan (Genesee County)

Average Square Footage in 48504: 312 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48504 before you start any project. Flint 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 48504 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 48504 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 312 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 Flint 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$132312$41,200
Additional Upgrades & Added Features$165312$51,500
Major Home Updates or Advancements$198312$61,800

It's important to understand that when you estimate your replacement cost of your home in the 48504 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 48504

Irving Insurance Agency Inc

Address: 3033 North Linden Road Flint, MI 48504
Phone: (810)230-0250
Website:

Best Home & Auto Insurance Agencies in 48504

Irving Insurance Agency Inc

Address: 3033 N Linden Rd Flint, MI 48504
Phone:
Website:
Info:

Edward J Dymowski Ins Agcy Inc - State Farm Insurance Agent

Address: 3101 N Linden Rd Flint, MI 48504
Phone:
Website:
Info:

Noble- Douglas C

Address: 5112 W Pierson Rd Flint, MI 48504
Phone:
Website:
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All Risk Insurance

Address: 2503 Flushing Rd Flint, MI 48504
Phone:
Website:
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Meemic Insurance Tom Duty Agency

Address: 5008 Flushing Rd Flint, MI 48504
Phone:
Website:
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Housing Demographics for 48504

Population Review for 48504 Zip Code

For the city of Flint, the population within 48504 has increased to over 25,005 residents in population size. The current population total is 24,266. We have broken down the population based on race below. In 48504, there are over 11721 in male population and 12545 females.

PopulationValues
Total Population24,266
White Population6190
Black Population16074
Hispanic Population764
Asian Population93
Hawaiian Population5
Indian Population91
Other Population293
Male Population11721
Female Population12545
Population Estimate25005

Household Data for 48504

The average number of homes in 48504 is around 9,786, there are an average of 2.46 per household. The average house value according to local real estate values is around $41,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,786
Persons Per Household2.46
Average House Value$41,200
Income Per Household$36811
Median Age36.9
Median Age Male35.5
Median Age Female38.0
48504 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code810
CityFlint
City Alias NameFLINT
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 Businesses325
Number Of Employees3893
Business First Quarter Payroll33525
Business Annual Payroll154327
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 District08
Congressional LandArea1503.18
Delivery Residential10165
Delivery Business579
Delivery Total11145
Preferred Last Line KeyY11887
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY11887
Land Area14.720000
Water Area0.083000
City Alias Code
City Mixed CaseFlint
City Alias Mixed CaseFlint
Box Count52
SFDU8644
MFDU791
State ANSI26
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number253290
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

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    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 […]