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Home Insurance Rates in 48634
For homeowners shopping online in 48634, our insurance rates are very competitive for homeowners living in Linwood, MI. Many homeowners based out of the great city of Linwood 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 48634, simply click the "Get Multiple Quotes Now" button. Your 48634 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Linwood, MI Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
48634 Home Insurance Rating is: Medium!
If you live in 48634, you can easily save up to 40% off the average home insurance premium of $774 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 Linwood 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 48634 today!
48634 Home Insurance Average Premiums
$524 /yr.
Shows Zip Code: 48634 lowest rates with discounts applied on average.
For the 48634, 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) | $524 /yr. |
| Average Coverage: | $774 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1074 /yr. |
What is the average home insurance cost for a home in 48634?
- • The average homeowners insurance premium paid annually for a home in 48634 is around $774 per year.
What does it cost on average per month for home insurance in 48634?
- • Homeowners in 48634 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 48634?
- • Autoowners in 48634 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 Linwood area, check out other zip codes nearby 48634.
Review average rates in another zip code:
48634 homeowners insurance rates
Home Replacement Cost Coverage in 48634
Average Building Cost Per Square Foot in 48634: $132
Location: Linwood, Michigan (Bay County)Average Square Footage in 48634: 1,033 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48634 before you start any project. Linwood 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 48634 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 48634 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,033 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 Linwood 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $132 | 1,033 | $136,300 |
| Additional Upgrades & Added Features | $165 | 1,033 | $170,375 |
| Major Home Updates or Advancements | $198 | 1,033 | $204,450 |
It's important to understand that when you estimate your replacement cost of your home in the 48634 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 48634
Best Home & Auto Insurance Agencies in 48634
Housing Demographics for 48634
Population Review for 48634 Zip Code
For the city of Linwood, the population within 48634 has increased to over 3,809 residents in population size. The current population total is 4,152. We have broken down the population based on race below. In 48634, there are over 2102 in male population and 2050 females.
| Population | Values |
|---|---|
| Total Population | 4,152 |
| White Population | 3895 |
| Black Population | 14 |
| Hispanic Population | 124 |
| Asian Population | 10 |
| Hawaiian Population | 0 |
| Indian Population | 12 |
| Other Population | 26 |
| Male Population | 2102 |
| Female Population | 2050 |
| Population Estimate | 3809 |
Household Data for 48634
The average number of homes in 48634 is around 1,826, there are an average of 2.27 per household. The average house value according to local real estate values is around $136,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,826 |
| Persons Per Household | 2.27 |
| Average House Value | $136,300 |
| Income Per Household | $69286 |
| Median Age | 47.5 |
| Median Age Male | 47.4 |
| Median Age Female | 47.5 |
| 48634 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 989 |
| City | Linwood |
| City Alias Name | LINWOOD |
| County | Bay |
| County FIPS | 017 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 6960 |
| PMSA | |
| CSA | 474 |
| CBSA | 13020 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Bay City, MI |
| MSA_Name | Saginaw-Bay City-Midland, MI MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 73 |
| Number Of Employees | 529 |
| Business First Quarter Payroll | 3917 |
| Business Annual Payroll | 19602 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 107771 |
| CBSA Division Population | 0 |
| Congressional District | 08 |
| Congressional LandArea | 1503.18 |
| Delivery Residential | 1678 |
| Delivery Business | 66 |
| Delivery Total | 1940 |
| Preferred Last Line Key | Y12252 |
| Classification Code | |
| Multi-County | |
| CSA Name | Saginaw-Midland-Bay City, MI |
| CBSA_DIV_Name | |
| City State Key | Y12252 |
| Land Area | 48.959000 |
| Water Area | 7.373000 |
| City Alias Code | |
| City Mixed Case | Linwood |
| City Alias Mixed Case | Linwood |
| Box Count | 159 |
| SFDU | 1622 |
| MFDU | 16 |
| State ANSI | 26 |
| County ANSI | 017 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 255470 |
| Unique ZIP Name | |
| SSA State County Code | 23080 |
| Medicare CBSA Code | 13020 |
| Medicare CBSA Name | Bay City, MI |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Bay |
Michigan Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]