Home Insurance Rates in 48080

For homeowners shopping online in 48080, our insurance rates are very competitive for homeowners living in Saint Clair Shores, MI. Many homeowners based out of the great city of Saint Clair Shores have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 48080, simply click the "Get Multiple Quotes Now" button. Your 48080 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Saint Clair Shores, MI Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

48080 Home Insurance Rating is: Medium!

If you live in 48080, you can easily save up to 40% off the average home insurance premium of $779 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Saint Clair Shores can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 48080 today!

Get Multiple Home Insurance Rates in 48080!

Average Building Cost Per Square Foot in 48080: $132

Average Square Footage in 48080: 1,155 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48080 before you start any project. Saint Clair Shores 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 48080 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 48080 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,155 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 Clair Shores 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.

It's important to understand that when you estimate your replacement cost of your home in the 48080 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.

Causley- Salvatore D

Household Data for 48080

The average number of homes in 48080 is around 10,817, there are an average of 2.05 per household. The average house value according to local real estate values is around $152,400. Please review the following demographics below for average income and media age.

• Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

  According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

• Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

  As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

• Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

  Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]