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48509 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 48509 zip code it's important to know that our rates are very competitive for homeowners living in Burton, MI. Many homeowners based out of your 48509 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 48509 should appear in the zip code field ready to go. For Burton, MI Homeowners Insurance Quotes nearby, we offer the best rates and service.

48509: Average Home Insurance Rates

For homeowners living in the great city of Burton, the average homeowners policy is considered medium in comparison to other states. Michigan premiums are estimated to be around $741 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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48509 Home Insurance Average Premiums

Local 48509 homeowners insurance quotes comparison

$491 /yr.

Shows Zip Code: 48509 lowest rates with discounts applied on average.

For the 48509, 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 48509?

  • • The average homeowners insurance premium paid annually for a home in 48509 is around $741 per year.

What does it cost on average per month for home insurance in 48509?

  • • Homeowners in 48509 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 48509?

  • • Autoowners in 48509 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 Burton area, check out other zip codes nearby 48509.
Review average rates in another zip code:
48519 homeowners insurance rates
48509 homeowners insurance rates
48529 homeowners insurance rates

Home Replacement Cost Coverage in 48509

Average Building Cost Per Square Foot in 48509: $132

Location: Burton, Michigan (Genesee County)

Average Square Footage in 48509: 823 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48509 before you start any project. Burton 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 48509 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 48509 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 Burton 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 48509 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 48509

Larry Walker Agency

Address: 4161 E Court St Burton, MI 48509
Phone: (810)743-4442
Website:

Best Home & Auto Insurance Agencies in 48509

Larry Walker Agency

Address: 4161 E Court St Burton, MI 48509
Phone:
Website:
Info:

D B Insurance Services- LTD

Address: 6010 Davison Rd Burton, MI 48509
Phone:
Website:
Info:

Schian- James C - State Farm Insurance Agent

Address: 5204 Davison Rd Burton, MI 48509
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

John Gatz-Farmers Insurance

Address: 4067 E Court St, Ste 12 Burton, MI 48509
Phone:
Website:
Info:

Housing Demographics for 48509

Population Review for 48509 Zip Code

For the city of Burton, the population within 48509 has increased to over 9,700 residents in population size. The current population total is 9,568. We have broken down the population based on race below. In 48509, there are over 4677 in male population and 4891 females.

PopulationValues
Total Population9,568
White Population8084
Black Population509
Hispanic Population469
Asian Population37
Hawaiian Population0
Indian Population43
Other Population127
Male Population4677
Female Population4891
Population Estimate9700

Household Data for 48509

The average number of homes in 48509 is around 3,965, there are an average of 2.40 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 Zipcode3,965
Persons Per Household2.40
Average House Value$108,700
Income Per Household$59769
Median Age44.3
Median Age Male42.7
Median Age Female46.0
48509 DetailsValues
StateMI
State Full NameMichigan
City TypeN
City Alias Abbreviation
Area Code810
CityBurton
City Alias NameBURTON
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 Businesses250
Number Of Employees4883
Business First Quarter Payroll50022
Business Annual Payroll199844
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 Residential4042
Delivery Business286
Delivery Total6001
Preferred Last Line KeyY11556
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY11556
Land Area8.794000
Water Area0.046000
City Alias Code
City Mixed CaseBurton
City Alias Mixed CaseBurton
Box Count202
SFDU3713
MFDU0
State ANSI26
County ANSI049
ZIP Intro
Alias Intro
Facility CodeN
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

  • 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 […]