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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:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. 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.

City: Saint Johns, MI Homeowners Insurance Quotes Online

48879 Home Insurance Average Premiums

Local 48879 homeowners insurance quotes comparison

$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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1321,342$177,200
Additional Upgrades & Added Features$1651,342$221,500
Major Home Updates or Advancements$1981,342$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 - Daniel A. Colby

Address: 123 N Clinton Ave Saint Johns, MI 48879
Phone: (989)224-4444
Website:

Allstate Insurance - Steven Mckinley

Address: 911 E.state St Ste D Saint Johns, MI 48879
Phone: (989)224-1134
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=14839

Best Home & Auto Insurance Agencies in 48879

Farm Bureau Insurance Daryl Feldpausch Agent

Address: 807 E State St St Johns, MI 48879
Phone:
Website: http://www.farmbureauinsurance-mi.com
Info:

Allstate Insurance - Steven Mckinley

Address: 911 E State St St Johns, MI 48879
Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=14839
Info:

Blue Cross & Blue Shield of Michigan

Address: 706 Greengate Cir St Johns, MI 48879
Phone:
Website:
Info:

Allstate Insurance - Daniel A. Colby

Address: 123 N Clinton Ave St Johns, MI 48879
Phone:
Website:
Info:

State Farm Insurance CO Agents

Address: 112 W Walker St St Johns, MI 48879
Phone:
Website:
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.

PopulationValues
Total Population17,980
White Population16492
Black Population90
Hispanic Population813
Asian Population85
Hawaiian Population4
Indian Population80
Other Population238
Male Population8875
Female Population9105
Population Estimate18592

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 DataValues
Households Per Zipcode7,106
Persons Per Household2.50
Average House Value$177,200
Income Per Household$74928
Median Age41.6
Median Age Male40.0
Median Age Female43.3
48879 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code989
CitySaint Johns
City Alias NameSAINT JOHNS
CountyClinton
County FIPS037
State FIPS26
Time Zone5
Day Light SavingY
MSA4040
PMSA
CSA330
CBSA29620
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLansing-East Lansing, MI
MSA_NameLansing-East Lansing, MI MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses352
Number Of Employees4917
Business First Quarter Payroll51163
Business Annual Payroll226435
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population464036
CBSA Division Population0
Congressional District02|04|07
Congressional LandArea3281.19|8457.8|4227.73
Delivery Residential7437
Delivery Business427
Delivery Total7982
Preferred Last Line KeyY12726
Classification Code
Multi-CountyY
CSA NameLansing-East Lansing-Owosso, MI
CBSA_DIV_Name
City State KeyY12726
Land Area191.275000
Water Area0.665000
City Alias Code
City Mixed CaseSaint Johns
City Alias Mixed CaseSaint Johns
Box Count89
SFDU6479
MFDU405
State ANSI26
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number258340
Unique ZIP Name
SSA State County Code23180
Medicare CBSA Code29620
Medicare CBSA NameLansing-East Lansing, MI
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseClinton

Michigan Homeowners Insurance News & Information

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  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]