Compare quotes for your home in 48879! Compare the best 12 carriers in minutes.
48879 Home Insurance Rates & Premiums
Did you know there are over 17,980 people living within the 48879 zip code area? There are over 7,106 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:
- We will shop up to 12 home insurance companies for free.
- We will apply all discounts and credits to help you save up to 40% or more.
- We will answer any questions that you may.
- We will review the best policy and coverage option in 48879.
Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.
Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $705 a year for a standard homeowners insurance policy in Saint Johns. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.
48879 Home Insurance Average Premiums
$455 /yr.
Shows Zip Code: 48879 lowest rates with discounts applied on average.
For the 48879, 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) | $455 /yr. |
| Average Coverage: | $705 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1005 /yr. |
What is the average home insurance cost for a home in 48879?
- • The average homeowners insurance premium paid annually for a home in 48879 is around $705 per year.
What does it cost on average per month for home insurance in 48879?
- • Homeowners in 48879 pay a monthly average cost per month around $59.00.
What kind of discount could I get if I combine my home and auto insurance together in 48879?
- • Autoowners in 48879 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 Saint Johns area, check out other zip codes nearby 48879.
Review average rates in another zip code:
48879 homeowners insurance rates
Home Replacement Cost Coverage in 48879
Average Building Cost Per Square Foot in 48879: $132
Location: Saint Johns, Michigan (Clinton County)Average Square Footage in 48879: 1,342 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48879 before you start any project. Saint Johns 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 48879 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 48879 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,342 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 Saint Johns 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 | 1,342 | $177,200 |
| Additional Upgrades & Added Features | $165 | 1,342 | $221,500 |
| Major Home Updates or Advancements | $198 | 1,342 | $265,800 |
It's important to understand that when you estimate your replacement cost of your home in the 48879 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 48879
Allstate Insurance - Steven Mckinley
Address: 911 E.state St Ste D Saint Johns, MI 48879Phone: (989)224-1134
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=14839
Allstate Insurance - Daniel A. Colby
Address: 123 N Clinton Ave Saint Johns, MI 48879Phone: (989)224-4444
Website:
Best Home & Auto Insurance Agencies in 48879
Kingsley Meemic Insurance Agency
Address: 1000 E Sturgis St, #1 St Johns, MI 48879Phone:
Website: http://www.meemic.com
Info:
Allstate Insurance - Daniel A. Colby
Address: 123 N Clinton Ave St Johns, MI 48879Phone:
Website:
Info:
Allstate Insurance - Steven Mckinley
Address: 911 E State St St Johns, MI 48879Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=14839
Info:
State Farm Insurance CO Agents
Address: 112 W Walker St St Johns, MI 48879Phone:
Website:
Info:
Farm Bureau Insurance Daryl Feldpausch Agent
Address: 807 E State St St Johns, MI 48879Phone:
Website: http://www.farmbureauinsurance-mi.com
Info:
Housing Demographics for 48879
Population Review for 48879 Zip Code
For the city of Saint Johns, the population within 48879 has increased to over 18,592 residents in population size. The current population total is 17,980. We have broken down the population based on race below. In 48879, there are over 8875 in male population and 9105 females.
| Population | Values |
|---|---|
| Total Population | 17,980 |
| White Population | 16492 |
| Black Population | 90 |
| Hispanic Population | 813 |
| Asian Population | 85 |
| Hawaiian Population | 4 |
| Indian Population | 80 |
| Other Population | 238 |
| Male Population | 8875 |
| Female Population | 9105 |
| Population Estimate | 18592 |
Household Data for 48879
The average number of homes in 48879 is around 7,106, there are an average of 2.50 per household. The average house value according to local real estate values is around $177,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 7,106 |
| Persons Per Household | 2.50 |
| Average House Value | $177,200 |
| Income Per Household | $74928 |
| Median Age | 41.6 |
| Median Age Male | 40.0 |
| Median Age Female | 43.3 |
| 48879 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 989 |
| City | Saint Johns |
| City Alias Name | SAINT JOHNS |
| County | Clinton |
| County FIPS | 037 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 4040 |
| PMSA | |
| CSA | 330 |
| CBSA | 29620 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Lansing-East Lansing, MI |
| MSA_Name | Lansing-East Lansing, MI MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 352 |
| Number Of Employees | 4917 |
| Business First Quarter Payroll | 51163 |
| Business Annual Payroll | 226435 |
| 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 | 464036 |
| CBSA Division Population | 0 |
| Congressional District | 02|04|07 |
| Congressional LandArea | 3281.19|8457.8|4227.73 |
| Delivery Residential | 7437 |
| Delivery Business | 427 |
| Delivery Total | 7982 |
| Preferred Last Line Key | Y12726 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Lansing-East Lansing-Owosso, MI |
| CBSA_DIV_Name | |
| City State Key | Y12726 |
| Land Area | 191.275000 |
| Water Area | 0.665000 |
| City Alias Code | |
| City Mixed Case | Saint Johns |
| City Alias Mixed Case | Saint Johns |
| Box Count | 89 |
| SFDU | 6479 |
| MFDU | 405 |
| State ANSI | 26 |
| County ANSI | 037 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 258340 |
| Unique ZIP Name | |
| SSA State County Code | 23180 |
| Medicare CBSA Code | 29620 |
| Medicare CBSA Name | Lansing-East Lansing, MI |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 7 |
| County Mixed Case | Clinton |
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 […]