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48845 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 48845? There are over 345 occupied homes in the 48845 area. With a population size of 937, it's not uncommon for residence of Hubbardston, MI to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Michigan is around $746 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 48845 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Hubbardston, MI Home Insurance Rate Quotes

48845 Home Insurance Average Premiums

Local 48845 homeowners insurance quotes comparison

$496 /yr.

Shows Zip Code: 48845 lowest rates with discounts applied on average.

For the 48845, 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)		$496 /yr.
Average Coverage:$746 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1046 /yr.

What is the average home insurance cost for a home in 48845?

  • • The average homeowners insurance premium paid annually for a home in 48845 is around $746 per year.

What does it cost on average per month for home insurance in 48845?

  • • Homeowners in 48845 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 48845?

  • • Autoowners in 48845 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 Hubbardston area, check out other zip codes nearby 48845.
Review average rates in another zip code:
48845 homeowners insurance rates

Home Replacement Cost Coverage in 48845

Average Building Cost Per Square Foot in 48845: $132

Location: Hubbardston, Michigan (Ionia County)

Average Square Footage in 48845: 829 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48845 before you start any project. Hubbardston 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 48845 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 48845 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 829 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 Hubbardston 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$132829$109,400
Additional Upgrades & Added Features$165829$136,750
Major Home Updates or Advancements$198829$164,100

It's important to understand that when you estimate your replacement cost of your home in the 48845 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 48845

Best Home & Auto Insurance Agencies in 48845

Housing Demographics for 48845

Population Review for 48845 Zip Code

For the city of Hubbardston, the population within 48845 has increased to over 917 residents in population size. The current population total is 937. We have broken down the population based on race below. In 48845, there are over 515 in male population and 422 females.

PopulationValues
Total Population937
White Population884
Black Population1
Hispanic Population32
Asian Population0
Hawaiian Population0
Indian Population2
Other Population21
Male Population515
Female Population422
Population Estimate917

Household Data for 48845

The average number of homes in 48845 is around 345, there are an average of 2.66 per household. The average house value according to local real estate values is around $109,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode345
Persons Per Household2.66
Average House Value$109,400
Income Per Household$53707
Median Age42.0
Median Age Male44.2
Median Age Female38.7
48845 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code989
CityHubbardston
City Alias NameHUBBARDSTON
CountyIonia
County FIPS067
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA266
CBSA24340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Rapids-Wyoming-Kentwood, MI
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees35
Business First Quarter Payroll202
Business Annual Payroll1572
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population774160
CBSA Division Population0
Congressional District02|03|07
Congressional LandArea3281.19|2628.74|4227.73
Delivery Residential345
Delivery Business4
Delivery Total418
Preferred Last Line KeyY12101
Classification Code
Multi-CountyY
CSA NameGrand Rapids-Wyoming, MI
CBSA_DIV_Name
City State KeyY12101
Land Area23.252000
Water Area0.191000
City Alias Code
City Mixed CaseHubbardston
City Alias Mixed CaseHubbardston
Box Count60
SFDU345
MFDU0
State ANSI26
County ANSI067
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number254570
Unique ZIP Name
SSA State County Code23330
Medicare CBSA Code24340
Medicare CBSA NameGrand Rapids-Kentwood, MI
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseIonia

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 […]