48640 Home Insurance Rates

For homeowners living in 48640, the population estimates are increasing to well over 31,840 with 13,282 occupied homes within the zip code of 48640. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Midland have increased and the average home insurance premium is around $725 per year in 48640. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 48640 zip code today so we can help you find affordable Midland, MI home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 48640

Please select one of the three options below based on your 48640 zip code to learn more about Michigan homeowners insurance, plus review average rates and information per state, county or city.

1. Michigan Homeowners Insurance Quotes
2. Midland County, MI Home Insurance
3. Midland, MI Home Insurance Quotes

48640 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 48640 zip code just got easier with GetHomeInsuranceQuotes.com of Midland, MI. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 48640 today and let us help you review the best home insurance quotes available for homeowners living in Midland.

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Average Building Cost Per Square Foot in 48640: $132

Average Square Footage in 48640: 1,208 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48640 before you start any project. Midland 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 48640 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 48640 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,208 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 Midland 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.

It's important to understand that when you estimate your replacement cost of your home in the 48640 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.

Farm Bureau Insurance

Boychuck- Timothy A - State Farm Insurance Agent

Karl Chew Insurance Agency Incorporated

Auto Owners Insurance Company-Jackson Agency

Look Insurance Agencies

Household Data for 48640

The average number of homes in 48640 is around 13,282, there are an average of 2.36 per household. The average house value according to local real estate values is around $159,400. Please review the following demographics below for average income and media age.

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  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 […]