Allen Park Insurance Rates:

Allen Park, MI home insurance is roughly $628 to $852, about $52-$71/month. Our extensive guide indicates shoppers can save upto $296 by getting different quotes

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Allen Park Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $480/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1840 sqft Seasonal Residence Constructed In 1979 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $820/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2300 sqft Seasonal Residence Constructed In 1956 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 2350 sqft Vacation Property Constructed In 1975 with Wood Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $270/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Bath 1310 sqft Primary Residence Constructed In 1970 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $220/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Bath 2560 sqft Vacation Property Constructed In 1967 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 2250 sqft Rental Property Constructed In 1965 with Carpet Flooring, Tile Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $770/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Baths 4130 sqft Primary Residence Constructed In 1970 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $320/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Baths 3700 sqft Vacation Property Constructed In 1952 with Stone Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $150/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2260 sqft Vacation Property Constructed In 1960 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $310/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Baths 1370 sqft Primary Residence Constructed In 1958 with Linoleum, Metal Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $610/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 3370 sqft Rental Property Constructed In 1960 with Wood Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Allen Park, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
48101 $114,000 $750

Allen Park Rates & Quotes Analysis:

Allen Park Area Estimated House Insurance
Willow Cove Blvd, Maylawn St, Rainbow Dr, Nowlin St, Angelique Ave, Rosedale Blvd, Leblanc Ave, Luana Ave, Buckingham Ct, Byrd St$737
Cleophus Ave, Gahona Ave, Regina Ave, Kolb Ave, Laurence St, Crandell St, Lucy Ave, Horger Ave, Maylawn Ave, Audette St$762
Oceana Ave, Rose Dr, Willow St, Hanfor Ave, Melbourne Ave, Crescent Ave, Hanover, Kim Ave, Republic Dr, Morris Ave$728
Quandt Ave, Bert Ave, Houston St, Culver St, Council Ave, Pleasant Ave, Dasher, Laurence Ave, Beatrice, Detroit St$727
Meyer Ave, Roslyn St, Luana Ave, Charter Ave, Moore Ave, Brody Ave, Hubert Ave, Chatham Ave, Warwick Ave, Leet St$728

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,782 Homes (15% of total) built between 1960 to 1969 in Allen Park are paying home insurance between $1,296-$1,307 compared to Trenton (+$14), Woodhaven (+$18), Grosse Ile (+$153), Lincoln Park (-$49) and Melvindale (-$47).
  • Bedrooms: 1,961 2 bedrooms homes (16% of total homes ) in Allen Park are paying about $718. Areas near to Allen Park such as Riverview, Trenton, Woodhaven are costlier by $6, $8, $11 respectively whereas Lincoln Park and Melvindale are more economical by $26, $32 respectively for similar homes.
  • Auto Insurance Bundling: 1,847 Households (19% of all households) in Allen Park have 3 or more vehicles available and when it is bundled with home insurance you can save $185. Discounts for similar bundling in close by locations such as Lincoln Park, Melvindale, Wayne County come to $178, $178, $182 respectively.
  • Senior Discounts: 4,853 seniors (more than 55 years) occupied housing units (50% of total) in Allen Park get discounts between $110 to $113. The comparative concessions in proximate regions such as Lincoln Park, Melvindale and Wayne County are $106, $107 and $109 respectively.
  • New Homes discounts: New homes such as the 6,450 homes built between 2000 to 2009 in Allen Park can save $148 and similar new home insurance discounts in nearby towns and cities like Lincoln Park, Melvindale and Wayne County are $142, $142 and $146 respectively.

Allen Park Homeowners insurance Facts

  • Allen Park, MI has 9,667 owner occupied houses which is 87.3% of all units whereas Lincoln Park, Melvindale and Wayne County have 73.55%, 62.01% and 65.51% respectively.
  • Allen Park, MI homeowners yearly insurance price at $740 is 0.65% of the typical house value of $113,900 which is in contrast with 1.02% in Lincoln Park, 0.98% at Melvindale & 0.75% in Wayne County.
  • Homeowners in Allen Park, MI pay 2.28% of their income ($30,000 to $34,999) in insurance whereas homeowners in Lincoln Park, Melvindale and Wayne County pay 2.19%, 2.2% and 2.25% respectively.
  • Allen Park, MI’s insurance is 4.6% of monthly housing costs of $1,334/month, for owners with a mortgage compared to 5.2% in Lincoln Park, 5.58% at Melvindale & 4.44% in Wayne County. But, for households without a mortgage, insurance is 12.7% of costs ($486 in Allen Park, MI) in contrast with 14.08% in Lincoln Park, 15.95% at Melvindale & 12.44% in Wayne County.

Allen Park, MI Home Values & Insurance rates

For example, insurance for 1,366 Homes (14.0% of total homes ) valued between $150,000 to $174,999 in Allen Park, MI is about $1,050. Rates in nearby areas in such as Dearborn, Riverview, Trenton are cheaper by $13, $73, $101 respectively while Lincoln Park and Melvindale are costlier by $611 and $542 respectively for similar homes.

Allen Park, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 566 5.0% $155
$50,000 to $59,999 410 4.0% $340
$60,000 to $69,999 398 4.0% $421
$70,000 to $79,999 834 8.0% $481
$80,000 to $89,999 712 7.0% $547
$90,000 to $99,999 804 8.0% $614
$100,000 to $124,999 1,989 20.0% $710
$125,000 to $149,999 1,367 14.0% $888
$150,000 to $174,999 1,366 14.0% $1050
$175,000 to $199,999 492 5.0% $1213
$200,000 to $249,999 368 3.0% $1457
$250,000 to $299,999 153 1.0% $1783
$300,000 to $399,999 113 1.0% $2271

Renters Insurance in Allen Park

  • Average Renters Insurance in Allen Park :  $205($17/month)

  • Median Gross Rent in Allen Park :  $846

  • Allen Park Renters Insurance to Median Rent Ratio:  2.01%

  • Renter occupied housing units in Allen Park :  1,404

Allen Park Renters Insurance as a Percentage of Rent

Allen Park Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 45 3.0% $801
$300 to $499 75 6.0% $1251
$500 to $749 376 30.0% $1926
$750 to $999 255 20.0% $2676
$1,000 to $1,499 318 26.0% $3801
$1,500 or more 139 11.0% $5451

Rent Affordability in Allen Park:

Approximately 52.0% (734) of households are spending more than 35% of their income on gross rent in Allen Park

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 169 12.0%
15.0 to 19.9 percent 136 9.0%
20.0 to 24.9 percent 142 10.0%
25.0 to 29.9 percent 102 7.0%
30.0 to 34.9 percent 121 8.0%
35.0 percent or more 734 52.0%

Allen Park Renters Insurance Discounts:

Allen Park Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Allen Park, MI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 765 54.0% $20.5
2 vehicles available 408 29.0% $30.75
3 or more vehicles available 81 5.0% $41.0

Protective device discount in Allen Park Up to :  $30

Claims-free discount in Allen Park Up to :  $41