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Home Insurance Rates in 48532

For homeowners shopping online in 48532, our insurance rates are very competitive for homeowners living in Flint, MI. Many homeowners based out of the great city of Flint have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 48532, simply click the "Get Multiple Quotes Now" button. Your 48532 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Flint, MI Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

48532 Home Insurance Rating is: Medium!

If you live in 48532, you can easily save up to 40% off the average home insurance premium of $781 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Flint can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 48532 today!

Get Multiple Home Insurance Rates in 48532!

48532 Home Insurance Average Premiums

Local 48532 homeowners insurance quotes comparison

$531 /yr.

Shows Zip Code: 48532 lowest rates with discounts applied on average.

For the 48532, 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)
$531 /yr.
Average Coverage:$781 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1081 /yr.

What is the average home insurance cost for a home in 48532?

  • • The average homeowners insurance premium paid annually for a home in 48532 is around $781 per year.

What does it cost on average per month for home insurance in 48532?

  • • Homeowners in 48532 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 48532?

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

Home Replacement Cost Coverage in 48532

Average Building Cost Per Square Foot in 48532: $132

Location: Flint, Michigan (Genesee County)

Average Square Footage in 48532: 801 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48532 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 48532 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 48532 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 801 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$132801$105,700
Additional Upgrades & Added Features$165801$132,125
Major Home Updates or Advancements$198801$158,550

It's important to understand that when you estimate your replacement cost of your home in the 48532 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 48532

Eve Insurance Agency Inc

Address: 4508 Beecher Road Flint, MI 48532
Phone: (810)733-0666
Website: www.eveinsurance.com

Hal McIntire Agency

Address: 2119 Linden Rd Flint, MI 48532
Phone: (810)720-2549
Website:

Best Home & Auto Insurance Agencies in 48532

Jeremy Perrault-Farmers Insurance

Address: 2387 S Linden Rd, Ste 118 Flint, MI 48532
Phone:
Website:
Info:

Snow, James - State Farm Insurance Agent

Address: G3535 Beecher Rd Flint, MI 48532
Phone:
Website: http://www.jimsnow.net/
Info:

Hal McIntire Agency

Address: 2119 S Linden Rd Flint, MI 48532
Phone:
Website:
Info:

Eve Insurance Agency Inc

Address: 4508 Beecher Rd Flint, MI 48532
Phone:
Website: http://www.eveinsurance.com
Info:

Housing Demographics for 48532

Population Review for 48532 Zip Code

For the city of Flint, the population within 48532 has increased to over 19,266 residents in population size. The current population total is 19,247. We have broken down the population based on race below. In 48532, there are over 8948 in male population and 10299 females.

PopulationValues
Total Population19,247
White Population9809
Black Population7552
Hispanic Population642
Asian Population307
Hawaiian Population8
Indian Population89
Other Population243
Male Population8948
Female Population10299
Population Estimate19266

Household Data for 48532

The average number of homes in 48532 is around 8,278, there are an average of 2.28 per household. The average house value according to local real estate values is around $105,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,278
Persons Per Household2.28
Average House Value$105,700
Income Per Household$45968
Median Age43.0
Median Age Male40.7
Median Age Female45.3
48532 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 Businesses571
Number Of Employees8165
Business First Quarter Payroll94913
Business Annual Payroll413565
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 Residential8450
Delivery Business773
Delivery Total9533
Preferred Last Line KeyY11887
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY11887
Land Area15.955000
Water Area0.062000
City Alias Code
City Mixed CaseFlint
City Alias Mixed CaseFlint
Box Count321
SFDU5740
MFDU2133
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 […]