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48728 Home Insurance Rates
Getting multiple homeowners insurance rates in 48728 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 Curran, MI. Many homeowners based out of the 48728 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 48728 should appear in the zip code field ready to go. For Curran, MI Home Insurance Quotes, Click to easily get started!
48728 Homeowners Insurance Rates, Average Rating: Medium!
Your homeowners insurance policy in 48728 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 Curran. For a basic HO-3, standard homeowners policy, the average premium per year in Michigan is around $755. 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 48728 zip code today and let us help you save time and money on your homeowners insurance premium.
48728 Home Insurance Average Premiums
$505 /yr.
Shows Zip Code: 48728 lowest rates with discounts applied on average.
For the 48728, 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) | $505 /yr. |
| Average Coverage: | $755 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1055 /yr. |
What is the average home insurance cost for a home in 48728?
- • The average homeowners insurance premium paid annually for a home in 48728 is around $755 per year.
What does it cost on average per month for home insurance in 48728?
- • Homeowners in 48728 pay a monthly average cost per month around $63.00.
What kind of discount could I get if I combine my home and auto insurance together in 48728?
- • Autoowners in 48728 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 Curran area, check out other zip codes nearby 48728.
Review average rates in another zip code:
48728 homeowners insurance rates
Home Replacement Cost Coverage in 48728
Average Building Cost Per Square Foot in 48728: $132
Location: Curran, Michigan (Alcona County)Average Square Footage in 48728: 915 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48728 before you start any project. Curran 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 48728 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 48728 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 915 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 Curran 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 | 915 | $120,800 |
| Additional Upgrades & Added Features | $165 | 915 | $151,000 |
| Major Home Updates or Advancements | $198 | 915 | $181,200 |
It's important to understand that when you estimate your replacement cost of your home in the 48728 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 48728
Best Home & Auto Insurance Agencies in 48728
Housing Demographics for 48728
Population Review for 48728 Zip Code
For the city of Curran, the population within 48728 has increased to over 461 residents in population size. The current population total is 284. We have broken down the population based on race below. In 48728, there are over 159 in male population and 125 females.
| Population | Values |
|---|---|
| Total Population | 284 |
| White Population | 250 |
| Black Population | 0 |
| Hispanic Population | 6 |
| Asian Population | 1 |
| Hawaiian Population | 0 |
| Indian Population | 3 |
| Other Population | 0 |
| Male Population | 159 |
| Female Population | 125 |
| Population Estimate | 461 |
Household Data for 48728
The average number of homes in 48728 is around 138, there are an average of 2.06 per household. The average house value according to local real estate values is around $120,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 138 |
| Persons Per Household | 2.06 |
| Average House Value | $120,800 |
| Income Per Household | $39375 |
| Median Age | 60.0 |
| Median Age Male | 59.8 |
| Median Age Female | 60.3 |
| 48728 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 989 |
| City | Curran |
| City Alias Name | CURRAN |
| County | Alcona |
| County FIPS | 001 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 8 |
| Number Of Employees | 58 |
| Business First Quarter Payroll | 539 |
| Business Annual Payroll | 2417 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 25027.75 |
| Delivery Residential | 224 |
| Delivery Business | 2 |
| Delivery Total | 254 |
| Preferred Last Line Key | Y11713 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y11713 |
| Land Area | 130.194000 |
| Water Area | 1.295000 |
| City Alias Code | |
| City Mixed Case | Curran |
| City Alias Mixed Case | Curran |
| Box Count | 26 |
| SFDU | 224 |
| MFDU | 0 |
| State ANSI | 26 |
| County ANSI | 001 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 252300 |
| Unique ZIP Name | |
| SSA State County Code | 23000 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 15 |
| County Mixed Case | Alcona |
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 […]