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If you live in the 48816 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Cohoctah have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our MI licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 48816 and then compare quotes from a variety of nationwide insurance companies.

48816 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 48816 the average premium for homeowners coverage is $731 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 48816. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 48816 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Cohoctah, MI home insurance quotes in your area.

48816 Home Insurance Average Premiums

Local 48816 homeowners insurance quotes comparison

$481 /yr.

Shows Zip Code: 48816 lowest rates with discounts applied on average.

For the 48816, 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)
$481 /yr.
Average Coverage:$731 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1031 /yr.

What is the average home insurance cost for a home in 48816?

  • • The average homeowners insurance premium paid annually for a home in 48816 is around $731 per year.

What does it cost on average per month for home insurance in 48816?

  • • Homeowners in 48816 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 48816?

  • • Autoowners in 48816 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 Cohoctah area, check out other zip codes nearby 48816.
Review average rates in another zip code:
48816 homeowners insurance rates

Home Replacement Cost Coverage in 48816

Average Building Cost Per Square Foot in 48816: $132

Location: Cohoctah, Michigan (Livingston County)

Average Square Footage in 48816: 1,219 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48816 before you start any project. Cohoctah 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 48816 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 48816 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,219 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 Cohoctah 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$1321,219$160,900
Additional Upgrades & Added Features$1651,219$201,125
Major Home Updates or Advancements$1981,219$241,350

It's important to understand that when you estimate your replacement cost of your home in the 48816 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 48816

Best Home & Auto Insurance Agencies in 48816

Housing Demographics for 48816

Population Review for 48816 Zip Code

For the city of Cohoctah, the population within 48816 has increased to over 0 residents in population size. The current population total is 102. We have broken down the population based on race below. In 48816, there are over 54 in male population and 48 females.

PopulationValues
Total Population102
White Population97
Black Population0
Hispanic Population2
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population54
Female Population48
Population Estimate0

Household Data for 48816

The average number of homes in 48816 is around 47, there are an average of 2.17 per household. The average house value according to local real estate values is around $160,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode47
Persons Per Household2.17
Average House Value$160,900
Income Per Household$41330
Median Age48.7
Median Age Male46.6
Median Age Female56.1
48816 DetailsValues
StateMI
State Full NameMichigan
City TypeZ
City Alias Abbreviation
Area Code517
CityCohoctah
City Alias NameCOHOCTAH
CountyLivingston
County FIPS093
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA0440
CSA220
CBSA19820
CBSA_DIV47664
CBSA_TypeMetro
CBSA_NameDetroit-Warren-Dearborn, MI
MSA_NameDetroit-Ann Arbor-Flint, MI CMSA
PMSA_NameAnn Arbor, MI PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4296250
CBSA Division Population2475666
Congressional District07
Congressional LandArea4227.73
Delivery Residential0
Delivery Business0
Delivery Total64
Preferred Last Line KeyY11663
Classification CodeP
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameWarren-Troy-Farmington Hills, MI
City State KeyY11663
Land Area0.668000
Water Area0.000000
City Alias Code
City Mixed CaseCohoctah
City Alias Mixed CaseCohoctah
Box Count49
SFDU0
MFDU0
State ANSI26
County ANSI093
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number251990
Unique ZIP Name
SSA State County Code23460
Medicare CBSA Code47664
Medicare CBSA NameWarren-Troy-Farmington Hills, MI
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseLivingston

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