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48631 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 48631 zip code it's important to know that our rates are very competitive for homeowners living in Kawkawlin, MI. Many homeowners based out of your 48631 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 48631 should appear in the zip code field ready to go. For Kawkawlin, MI Homeowners Insurance Quotes nearby, we offer the best rates and service.

48631: Average Home Insurance Rates

For homeowners living in the great city of Kawkawlin, the average homeowners policy is considered medium in comparison to other states. Michigan premiums are estimated to be around $723 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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48631 Home Insurance Average Premiums

Local 48631 homeowners insurance quotes comparison

$473 /yr.

Shows Zip Code: 48631 lowest rates with discounts applied on average.

For the 48631, 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)		$473 /yr.
Average Coverage:$723 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1023 /yr.

What is the average home insurance cost for a home in 48631?

  • • The average homeowners insurance premium paid annually for a home in 48631 is around $723 per year.

What does it cost on average per month for home insurance in 48631?

  • • Homeowners in 48631 pay a monthly average cost per month around $60.00.

What kind of discount could I get if I combine my home and auto insurance together in 48631?

  • • Autoowners in 48631 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 Kawkawlin area, check out other zip codes nearby 48631.
Review average rates in another zip code:
48631 homeowners insurance rates

Home Replacement Cost Coverage in 48631

Average Building Cost Per Square Foot in 48631: $132

Location: Kawkawlin, Michigan (Bay County)

Average Square Footage in 48631: 1,071 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48631 before you start any project. Kawkawlin 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 48631 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 48631 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,071 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 Kawkawlin 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$1321,071$141,400
Additional Upgrades & Added Features$1651,071$176,750
Major Home Updates or Advancements$1981,071$212,100

It's important to understand that when you estimate your replacement cost of your home in the 48631 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 48631

Samborn Ed Insurance

Address: 2820 South Huron Road Kawkawlin, MI 48631
Phone: (989)667-4344
Website:

Best Home & Auto Insurance Agencies in 48631

Housing Demographics for 48631

Population Review for 48631 Zip Code

For the city of Kawkawlin, the population within 48631 has increased to over 4,388 residents in population size. The current population total is 4,260. We have broken down the population based on race below. In 48631, there are over 2175 in male population and 2085 females.

PopulationValues
Total Population4,260
White Population3971
Black Population23
Hispanic Population112
Asian Population19
Hawaiian Population0
Indian Population20
Other Population26
Male Population2175
Female Population2085
Population Estimate4388

Household Data for 48631

The average number of homes in 48631 is around 1,752, there are an average of 2.41 per household. The average house value according to local real estate values is around $141,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,752
Persons Per Household2.41
Average House Value$141,400
Income Per Household$70743
Median Age47.5
Median Age Male47.2
Median Age Female47.9
48631 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code989
CityKawkawlin
City Alias NameKAWKAWLIN
CountyBay
County FIPS017
State FIPS26
Time Zone5
Day Light SavingY
MSA6960
PMSA
CSA474
CBSA13020
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBay City, MI
MSA_NameSaginaw-Bay City-Midland, MI MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses88
Number Of Employees778
Business First Quarter Payroll6468
Business Annual Payroll39217
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population107771
CBSA Division Population0
Congressional District08
Congressional LandArea1503.18
Delivery Residential1821
Delivery Business83
Delivery Total2080
Preferred Last Line KeyY12158
Classification Code
Multi-County
CSA NameSaginaw-Midland-Bay City, MI
CBSA_DIV_Name
City State KeyY12158
Land Area32.948000
Water Area1.004000
City Alias Code
City Mixed CaseKawkawlin
City Alias Mixed CaseKawkawlin
Box Count129
SFDU1623
MFDU0
State ANSI26
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number254950
Unique ZIP Name
SSA State County Code23080
Medicare CBSA Code13020
Medicare CBSA NameBay City, MI
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseBay

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 […]