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Compare 48806 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Ashley just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 614 neighbors looking to save on their home insurance policy in the local 48806 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 48806. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Michigan rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Ashley, MI home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Ashley, MI

48806 Home Insurance Average Premiums

Local 48806 homeowners insurance quotes comparison

$517 /yr.

Shows Zip Code: 48806 lowest rates with discounts applied on average.

For the 48806, 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)		$517 /yr.
Average Coverage:$767 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1067 /yr.

What is the average home insurance cost for a home in 48806?

  • • The average homeowners insurance premium paid annually for a home in 48806 is around $767 per year.

What does it cost on average per month for home insurance in 48806?

  • • Homeowners in 48806 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 48806?

  • • Autoowners in 48806 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 Ashley area, check out other zip codes nearby 48806.
Review average rates in another zip code:
48806 homeowners insurance rates

Home Replacement Cost Coverage in 48806

Average Building Cost Per Square Foot in 48806: $132

Location: Ashley, Michigan (Gratiot County)

Average Square Footage in 48806: 852 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48806 before you start any project. Ashley 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 48806 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 48806 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 852 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 Ashley 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$132852$112,500
Additional Upgrades & Added Features$165852$140,625
Major Home Updates or Advancements$198852$168,750

It's important to understand that when you estimate your replacement cost of your home in the 48806 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 48806

Best Home & Auto Insurance Agencies in 48806

Housing Demographics for 48806

Population Review for 48806 Zip Code

For the city of Ashley, the population within 48806 has increased to over 1,430 residents in population size. The current population total is 1,580. We have broken down the population based on race below. In 48806, there are over 822 in male population and 758 females.

PopulationValues
Total Population1,580
White Population1497
Black Population1
Hispanic Population61
Asian Population3
Hawaiian Population0
Indian Population11
Other Population16
Male Population822
Female Population758
Population Estimate1430

Household Data for 48806

The average number of homes in 48806 is around 614, there are an average of 2.48 per household. The average house value according to local real estate values is around $112,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode614
Persons Per Household2.48
Average House Value$112,500
Income Per Household$54531
Median Age46.3
Median Age Male46.7
Median Age Female45.6
48806 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code989
CityAshley
City Alias NameASHLEY
CountyGratiot
County FIPS057
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA394
CBSA10940
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAlma, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses24
Number Of Employees374
Business First Quarter Payroll4638
Business Annual Payroll18431
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population42476
CBSA Division Population0
Congressional District02|04
Congressional LandArea3281.19|8457.8
Delivery Residential577
Delivery Business16
Delivery Total693
Preferred Last Line KeyY11365
Classification Code
Multi-County
CSA NameMount Pleasant-Alma, MI
CBSA_DIV_Name
City State KeyY11365
Land Area64.302000
Water Area0.323000
City Alias Code
City Mixed CaseAshley
City Alias Mixed CaseAshley
Box Count88
SFDU577
MFDU0
State ANSI26
County ANSI057
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number250360
Unique ZIP Name
SSA State County Code23280
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseGratiot

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 […]