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Homeowners Insurance in 48456
For homeowners living in 48456, you want more affordable home insurance rates in Minden City, right? Our rates are very competitive for homeowners living in the great city of Minden City, MI. Many homeowners living in the 48456 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 48456 should appear in the zip code field ready to go. Comparing Minden City, MI Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.
48456 Home Insurance Costs Are Considered: Medium!
The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Minden City pay around $755 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Michigan home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 48456 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Minden City homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Michigan home insurance premium today!
48456 Home Insurance Average Premiums
$505 /yr.
Shows Zip Code: 48456 lowest rates with discounts applied on average.
For the 48456, 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) | $505 /yr. |
| Average Coverage: | $755 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1055 /yr. |
What is the average home insurance cost for a home in 48456?
- • The average homeowners insurance premium paid annually for a home in 48456 is around $755 per year.
What does it cost on average per month for home insurance in 48456?
- • Homeowners in 48456 pay a monthly average cost per month around $63.00.
What kind of discount could I get if I combine my home and auto insurance together in 48456?
- • Autoowners in 48456 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 Minden City, check out other zip codes nearby 48456.
To review average rates in another zip code, click on a zip code below:
48456 |
Home Replacement Cost Coverage in 48456
Average Building Cost Per Square Foot in 48456: $132
Location: Minden City, Michigan (Sanilac County)Average Square Footage in 48456: 915 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 48456 before you start any project. Minden 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 48456 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 48456 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 915 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 Minden 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 | 915 | $120,800 |
| Additional Upgrades & Added Features | $165 | 915 | $151,000 |
| Major Home Updates or Advancements | $198 | 915 | $181,200 |
It's important to understand that when you estimate your replacement cost of your home in the 48456 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 48456
Best Home & Auto Insurance Agencies in 48456
Housing Demographics for 48456
Population Review for 48456 Zip Code
For the city of Minden City, the population within 48456 has increased to over 738 residents in population size. The current population total is 782. We have broken down the population based on race below. In 48456, there are over 383 in male population and 399 females.
| Population | Values |
|---|---|
| Total Population | 782 |
| White Population | 759 |
| Black Population | 1 |
| Hispanic Population | 15 |
| Asian Population | 3 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 3 |
| Male Population | 383 |
| Female Population | 399 |
| Population Estimate | 738 |
Household Data for 48456
The average number of homes in 48456 is around 299, there are an average of 2.62 per household. The average house value according to local real estate values is around $120,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 299 |
| Persons Per Household | 2.62 |
| Average House Value | $120,800 |
| Income Per Household | $53438 |
| Median Age | 46.8 |
| Median Age Male | 47.1 |
| Median Age Female | 45.5 |
| 48456 Details | Values |
|---|---|
| State | MI |
| State Full Name | Michigan |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 989 |
| City | Minden City |
| City Alias Name | MINDEN 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 | 16 |
| Number Of Employees | 49 |
| Business First Quarter Payroll | 389 |
| Business Annual Payroll | 1764 |
| 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 | 282 |
| Delivery Business | 1 |
| Delivery Total | 531 |
| Preferred Last Line Key | Y12394 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y12394 |
| Land Area | 44.562000 |
| Water Area | 0.018000 |
| City Alias Code | |
| City Mixed Case | Minden City |
| City Alias Mixed Case | Minden City |
| Box Count | 78 |
| SFDU | 282 |
| MFDU | 0 |
| State ANSI | 26 |
| County ANSI | 151 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 256250 |
| 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
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Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025
According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country. The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]
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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 […]
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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. […]