Get multiple home insurance quotes in 48505. Our licensed 48505, MI agents are ready to serve you.

Check Out 48505 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Flint, MI.

We will gather some basic information about your home in Flint, MI and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Michigan licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 48505 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 48505

We have pulled together a variety of data related to homeowners insurance in Michigan. Simply click on one of the links below to learn about the average cost of homeowners insurance in Michigan as well as local coverage options.

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

48505 Homeowners Insurance Rates, Average Rating: medium!

Homeowners insurance policies in 48505 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Michigan is roughly $748. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 48505 homeowners insurance policy!

48505 Home Insurance Average Premiums

Local 48505 homeowners insurance quotes comparison

$498 /yr.

Shows Zip Code: 48505 lowest rates with discounts applied on average.

For the 48505, 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)
$498 /yr.
Average Coverage:$748 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1048 /yr.

What is the average home insurance cost for a home in 48505?

  • • The average homeowners insurance premium paid annually for a home in 48505 is around $748 per year.

What does it cost on average per month for home insurance in 48505?

  • • Homeowners in 48505 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 48505?

  • • Autoowners in 48505 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 48505.
Review average rates in another zip code:
48532 homeowners insurance rates
48507 homeowners insurance rates
48502 homeowners insurance rates
48506 homeowners insurance rates
48503 homeowners insurance rates
48505 homeowners insurance rates
48504 homeowners insurance rates

Home Replacement Cost Coverage in 48505

Average Building Cost Per Square Foot in 48505: $132

Location: Flint, Michigan (Genesee County)

Average Square Footage in 48505: 178 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48505 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 48505 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 48505 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 178 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$132178$23,500
Additional Upgrades & Added Features$165178$29,375
Major Home Updates or Advancements$198178$35,250

It's important to understand that when you estimate your replacement cost of your home in the 48505 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 48505

Best Home & Auto Insurance Agencies in 48505

Cars R Us Used Cars

Address: 5421 N Dort Hwy Flint, MI 48505
Phone:
Website: http://www.carsrususedcars.com/
Info:

Housing Demographics for 48505

Population Review for 48505 Zip Code

For the city of Flint, the population within 48505 has increased to over 17,240 residents in population size. The current population total is 17,685. We have broken down the population based on race below. In 48505, there are over 8442 in male population and 9243 females.

PopulationValues
Total Population17,685
White Population2135
Black Population14289
Hispanic Population550
Asian Population29
Hawaiian Population5
Indian Population87
Other Population251
Male Population8442
Female Population9243
Population Estimate17240

Household Data for 48505

The average number of homes in 48505 is around 7,243, there are an average of 2.42 per household. The average house value according to local real estate values is around $23,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,243
Persons Per Household2.42
Average House Value$23,500
Income Per Household$29061
Median Age37.6
Median Age Male35.8
Median Age Female39.2
48505 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 Businesses160
Number Of Employees1715
Business First Quarter Payroll14500
Business Annual Payroll62923
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 Residential7124
Delivery Business386
Delivery Total8399
Preferred Last Line KeyY11887
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY11887
Land Area12.473000
Water Area0.067000
City Alias Code
City Mixed CaseFlint
City Alias Mixed CaseFlint
Box Count140
SFDU6378
MFDU128
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

  • 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 […]

  • 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 […]