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If you live in the 48104 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Ann Arbor 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 48104 and then compare quotes from a variety of nationwide insurance companies.

48104 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 48104 the average premium for homeowners coverage is $730 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 48104. 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 48104 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 Ann Arbor, MI home insurance quotes in your area.

48104 Home Insurance Average Premiums

Local 48104 homeowners insurance quotes comparison

$480 /yr.

Shows Zip Code: 48104 lowest rates with discounts applied on average.

For the 48104, 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)
$480 /yr.
Average Coverage:$730 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1030 /yr.

What is the average home insurance cost for a home in 48104?

  • • The average homeowners insurance premium paid annually for a home in 48104 is around $730 per year.

What does it cost on average per month for home insurance in 48104?

  • • Homeowners in 48104 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 48104?

  • • Autoowners in 48104 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.

You can easily shop and compare home insurance rates within Ann Arbor, check out other zip codes nearby 48104.
To review average rates in another zip code, click on a zip code below:
48104  |  48105  |  48109  |  48108  |  48103  | 

Home Replacement Cost Coverage in 48104

Average Building Cost Per Square Foot in 48104: $132

Location: Ann Arbor, Michigan (Washtenaw County)

Average Square Footage in 48104: 3,242 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48104 before you start any project. Ann Arbor 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 48104 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 48104 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,242 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 Ann Arbor 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$1323,242$428,000
Additional Upgrades & Added Features$1653,242$535,000
Major Home Updates or Advancements$1983,242$642,000

It's important to understand that when you estimate your replacement cost of your home in the 48104 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 48104

Dobson-Mcomber Agency Inc

Address: 301 N Main St Ann Arbor, MI 48104
Phone: (734)740-0044
Website:

Allstate Insurance - Rachelle L. Lockridge

Address: 2500 Packard St #104 Ann Arbor, MI 48104
Phone: (734)975-2950
Website:

Best Home & Auto Insurance Agencies in 48104

Pomey Jr- George J - State Farm Insurance Agent

Address: 2460 E Stadium Blvd Ann Arbor, MI 48104
Phone:
Website:
Info:

Gill- Clement C

Address: 2801 S State St Ann Arbor, MI 48104
Phone:
Website:
Info:

Allstate Insurance - Rachelle L. Lockridge

Address: 2500 Packard St, #St-104 Ann Arbor, MI 48104
Phone:
Website:
Info:

Dobson-Mcomber Agency Inc

Address: 301 N Main St Ann Arbor, MI 48104
Phone:
Website:
Info:

Michigan Educators Insurance Group

Address: 3376 Washtenaw Ave Ann Arbor, MI 48104
Phone:
Website:
Info:

Housing Demographics for 48104

Population Review for 48104 Zip Code

For the city of Ann Arbor, the population within 48104 has increased to over 40,843 residents in population size. The current population total is 41,588. We have broken down the population based on race below. In 48104, there are over 20814 in male population and 20774 females.

PopulationValues
Total Population41,588
White Population29774
Black Population1674
Hispanic Population2501
Asian Population6166
Hawaiian Population19
Indian Population117
Other Population742
Male Population20814
Female Population20774
Population Estimate40843

Household Data for 48104

The average number of homes in 48104 is around 17,301, there are an average of 2.22 per household. The average house value according to local real estate values is around $428,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,301
Persons Per Household2.22
Average House Value$428,000
Income Per Household$58082
Median Age24.6
Median Age Male24.5
Median Age Female24.6
48104 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code734
CityAnn Arbor
City Alias NameANN ARBOR
CountyWashtenaw
County FIPS161
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA0440
CSA220
CBSA11460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAnn Arbor, MI
MSA_NameDetroit-Ann Arbor-Flint, MI CMSA
PMSA_NameAnn Arbor, MI PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1568
Number Of Employees20886
Business First Quarter Payroll342561
Business Annual Payroll1471873
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population344791
CBSA Division Population0
Congressional District06
Congressional LandArea3546.74
Delivery Residential18398
Delivery Business2129
Delivery Total26149
Preferred Last Line KeyY11351
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_Name
City State KeyY11351
Land Area7.795000
Water Area0.225000
City Alias Code
City Mixed CaseAnn Arbor
City Alias Mixed CaseAnn Arbor
Box Count0
SFDU9476
MFDU6858
State ANSI26
County ANSI161
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number250280
Unique ZIP Name
SSA State County Code23800
Medicare CBSA Code11460
Medicare CBSA NameAnn Arbor, MI
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseWashtenaw

Michigan Homeowners Insurance News & Information

  • Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025

    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]