48638 Home Insurance Rates

Getting multiple homeowners insurance rates in 48638 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Saginaw, MI. Many homeowners based out of the 48638 zip code 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. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Michigan licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 48638 should appear in the zip code field ready to go. For Saginaw, MI Home Insurance Quotes, Click to easily get started!

48638 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 48638 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Saginaw. For a basic HO-3, standard homeowners policy, the average premium per year in Michigan is around $771. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 48638 zip code today and let us help you save time and money on your homeowners insurance premium.

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48638 Home Insurance Average Premiums

Local 48638 homeowners insurance quotes comparison

$521 /yr.

Shows Zip Code: 48638 lowest rates with discounts applied on average.

For the 48638, 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)	$521 /yr.
Average Coverage:	$771 /yr.
2600 sq. ft. or higher (all discounts applied)	$1071 /yr.

What is the average home insurance cost for a home in 48638?

• The average homeowners insurance premium paid annually for a home in 48638 is around $771 per year.

What does it cost on average per month for home insurance in 48638?

• Homeowners in 48638 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 48638?

• Autoowners in 48638 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 Saginaw area, check out other zip codes nearby 48638.
Review average rates in another zip code:
48604 homeowners insurance rates
48638 homeowners insurance rates
48601 homeowners insurance rates
48602 homeowners insurance rates
48607 homeowners insurance rates
48603 homeowners insurance rates
48609 homeowners insurance rates

Home Replacement Cost Coverage in 48638

Average Building Cost Per Square Foot in 48638: $132

Location: Saginaw, Michigan (Saginaw County)

Average Square Footage in 48638: 1,028 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48638 before you start any project. Saginaw 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 48638 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 48638 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,028 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 Saginaw 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	1,028	$135,700
Additional Upgrades & Added Features	$165	1,028	$169,625
Major Home Updates or Advancements	$198	1,028	$203,550

Calculate Your Dwelling Coverage in 48638

It's important to understand that when you estimate your replacement cost of your home in the 48638 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 Home & Auto Insurance Agencies in 48638

Insurance Quotes Fast

Address: 5827 Brockway Rd Saginaw, MI 48638
Phone:
Website: http://www.insuranceequotesfast.com/saginaw-insurance
Info:

Allstate Insurance Company - Debra Obrien

Address: 55 Harrow Ln Saginaw, MI 48638
Phone:
Website: http://www.allstateagencies.com/091317?cid=OTC-YP.com-IYP&att=TL
Info:

Bamberger Insurance Agency

Address: 350 Saint Andrews Rd, Rm 210 Saginaw, MI 48638
Phone:
Website:
Info:

Housing Demographics for 48638

Population Review for 48638 Zip Code

For the city of Saginaw, the population within 48638 has increased to over 13,409 residents in population size. The current population total is 13,199. We have broken down the population based on race below. In 48638, there are over 6085 in male population and 7114 females.

Population	Values
Total Population	13,199
White Population	9840
Black Population	1647
Hispanic Population	1380
Asian Population	229
Hawaiian Population	3
Indian Population	51
Other Population	399
Male Population	6085
Female Population	7114
Population Estimate	13409

Household Data for 48638

The average number of homes in 48638 is around 5,985, there are an average of 2.19 per household. The average house value according to local real estate values is around $135,700. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	5,985
Persons Per Household	2.19
Average House Value	$135,700
Income Per Household	$57767
Median Age	42.1
Median Age Male	40.4
Median Age Female	44.4

48638 Details	Values
State	MI
State Full Name	Michigan
City Type	P
City Alias Abbreviation
Area Code	989
City	Saginaw
City Alias Name	SAGINAW
County	Saginaw
County FIPS	145
State FIPS	26
Time Zone	5
Day Light Saving	Y
MSA	6960
PMSA
CSA	474
CBSA	40980
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Saginaw, 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	196
Number Of Employees	1879
Business First Quarter Payroll	17787
Business Annual Payroll	76396
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	200169
CBSA Division Population	0
Congressional District	08
Congressional LandArea	1503.18
Delivery Residential	6123
Delivery Business	269
Delivery Total	6374
Preferred Last Line Key	Y12714
Classification Code
Multi-County
CSA Name	Saginaw-Midland-Bay City, MI
CBSA_DIV_Name
City State Key	Y12714
Land Area	6.542000
Water Area	0.163000
City Alias Code
City Mixed Case	Saginaw
City Alias Mixed Case	Saginaw
Box Count	0
SFDU	4298
MFDU	954
State ANSI	26
County ANSI	145
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	258270
Unique ZIP Name
SSA State County Code	23720
Medicare CBSA Code	40980
Medicare CBSA Name	Saginaw, MI
Medicare CBSA Type	Metro
Market Rating Area ID	8
County Mixed Case	Saginaw

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 […]

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