Compare quotes for your home in 48416! Compare the best 12 carriers in minutes.
48416 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 48416? Our rates are very competitive for homeowners living in Brown City, MI. Many homeowners based out of your 48416 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 48416 should appear in the zip code field ready to go. For Brown City, MI Home Insurance Rate Quotes click to review the best rates and service online!
48416 Average Premium is Rated: Medium!
Homeowners living in 48416 can easily save up to 40% off the average home insurance premium of $713 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Brown City that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 48416 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
48416 Home Insurance Average Premiums
$463 /yr.
Shows Zip Code: 48416 lowest rates with discounts applied on average.
For the 48416, 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) | $463 /yr. |
| Average Coverage: | $713 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1013 /yr. |
What is the average home insurance cost for a home in 48416?
- • The average homeowners insurance premium paid annually for a home in 48416 is around $713 per year.
What does it cost on average per month for home insurance in 48416?
- • Homeowners in 48416 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 48416?
- • Autoowners in 48416 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 Brown City, check out other zip codes nearby 48416.
To review average rates in another zip code, click on a zip code below:
48416 |
Home Replacement Cost Coverage in 48416
Average Building Cost Per Square Foot in 48416: $132
Location: Brown City, Michigan (Sanilac County)Average Square Footage in 48416: 1,189 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48416 before you start any project. Brown City 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 48416 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 48416 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,189 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 Brown City 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 | 1,189 | $156,900 |
| Additional Upgrades & Added Features | $165 | 1,189 | $196,125 |
| Major Home Updates or Advancements | $198 | 1,189 | $235,350 |
It's important to understand that when you estimate your replacement cost of your home in the 48416 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 48416
Liebler Agency Inc
Address: 4232 Main Street Brown City, MI 48416Phone: (810)346-2738
Website: www.liebleragency.com
Best Home & Auto Insurance Agencies in 48416
Allstate Insurance Companies
Address: 4232 Main St Brown City, MI 48416Phone:
Website:
Info:
Housing Demographics for 48416
Population Review for 48416 Zip Code
For the city of Brown City, the population within 48416 has increased to over 4,710 residents in population size. The current population total is 4,906. We have broken down the population based on race below. In 48416, there are over 2473 in male population and 2433 females.
| Population | Values |
|---|---|
| Total Population | 4,906 |
| White Population | 4574 |
| Black Population | 18 |
| Hispanic Population | 184 |
| Asian Population | 8 |
| Hawaiian Population | 0 |
| Indian Population | 17 |
| Other Population | 34 |
| Male Population | 2473 |
| Female Population | 2433 |
| Population Estimate | 4710 |
Household Data for 48416
The average number of homes in 48416 is around 1,905, there are an average of 2.57 per household. The average house value according to local real estate values is around $156,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,905 |
| Persons Per Household | 2.57 |
| Average House Value | $156,900 |
| Income Per Household | $59081 |
| Median Age | 41.4 |
| Median Age Male | 41.2 |
| Median Age Female | 41.8 |
| 48416 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 810 |
| City | Brown City |
| City Alias Name | BROWN CITY |
| County | Sanilac |
| County FIPS | 151 |
| State FIPS | 26 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 80 |
| Number Of Employees | 553 |
| Business First Quarter Payroll | 4912 |
| Business Annual Payroll | 23130 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 09 |
| Congressional LandArea | 183.59 |
| Delivery Residential | 1833 |
| Delivery Business | 49 |
| Delivery Total | 2418 |
| Preferred Last Line Key | Y11519 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y11519 |
| Land Area | 113.765000 |
| Water Area | 0.802000 |
| City Alias Code | |
| City Mixed Case | Brown City |
| City Alias Mixed Case | Brown City |
| Box Count | 191 |
| SFDU | 1740 |
| MFDU | 39 |
| State ANSI | 26 |
| County ANSI | 151 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 251280 |
| Unique ZIP Name | |
| SSA State County Code | 23750 |
| Medicare CBSA Code | 99923 |
| Medicare CBSA Name | Rural Areas in MI |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Sanilac |
Michigan Homeowners Insurance News & Information
-
Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025
Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025. States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]
-
Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025
As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not. […]
-
2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]