Battle Creek Insurance Rates:

Battle Creek, MI home insurance is about $614 to $834, about $51-$69/month. Our thorough guide reveals consumers can save as much as $289 by getting many quotes

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Battle Creek Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $100/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

5 Beds, 5 Baths 2790 sqft Primary Residence Constructed In 1943 with Hardwood Flooring, Tile Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1350 sqft Seasonal Residence Constructed In 1987 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $410/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 2370 sqft Seasonal Residence Constructed In 1960 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

5 Beds, 5 Baths 1730 sqft Primary Residence Constructed In 1987 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who is Unemployed and has 1 Pet and is a Non-Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $30/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Bath 1120 sqft Primary Residence Constructed In 1989 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Fireplace, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $280/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 3250 sqft Seasonal Residence Constructed In 1973 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Male who is Retired and has 3 Pets and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $440/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Bath 2370 sqft Vacation Property Constructed In 1952 with Linoleum, Tile Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $160/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Baths 1740 sqft Rental Property Constructed In 1983 with Wood Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $200/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Bath 1450 sqft Primary Residence Constructed In 1942 with Linoleum, Wood Shake Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $280/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1550 sqft Primary Residence Constructed In 1946 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $40/1 month for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $65,000

2 Beds, 2 Baths 1103 sqft Rental Property Constructed In 1974 with Stone Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Battle Creek, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
49015 $115,500 $750
49014 $111,500 $740
49017 $103,400 $730

Battle Creek Rates & Quotes Analysis:

Battle Creek Area Estimated House Insurance
Hollison Beach, Peaceful Valley Rd, Richmond Ave, Silver St, Middle Ln, Bellevue Rd, Hubbard St, E Meadowlawn Ave, W Baldwin Ave, Burr St$744
Meadow Dr, Allison Dr, Fremont Pl, Phelps Ave, Meachem Rd, N Cedar Ave, Military St, Carl Ave, Stiles St, Hillcrest Ct$709
Surby Ave, Wolfe Dr, 48th St N, Andrus St, Radley St, Francis Dr E, Parkside Dr, Ave C, Central St, E Willard Ave$706
Cornell Dr, E Fountain St, E Van Buren St, Limewood Dr, Lemont St, Graves Ave, East Ave S, Sawgrass Cir, Verona Ave, Briarwood Ln$712
Hoover Rd, Midway Ct, S Cass St, Stevens Rd, Laredo Ave, Hillsdale St, Morgan Rd E, Edgehill Pl, S 21st St, Wells Dr$770
Angell St, Bard St, White Pine Blvd, Hanover St, S 22nd St, Crest Dr, S 30th St, Iowa St, Green St, Maryland Dr$713
E Alden Ave, W Goodale Ave, Woodcliff Ln, Ellis Rd, W Kirby Rd, Hunter Ridge, E Hamblin Ave, Burrows Rd, Eagle St, St Marys Lake Rd$713
School St, Briarcliff Ln, Ann Ave, Bayshore Dr, E Ct, S Kendall St, Creekside Dr, S Bedford Rd, Wahwahtaysee Way, Scenery St$714
Susan Dr, Frisbie Ave, Stephanie Ave, Parrish St, E Langley Rd, Hillbrook Dr, Riviera Dr N, Inn Rd, John Bria Rd, Fuller Rd$714
Union St S, Harold St, Edmonds Rd, Hunter St, W Grand Circle Ave, Magnolia Ave, Carl Ter, N 25th St, T Dr N, Mc Allister Rd$717

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,685 Homes (10% of total) built between 1970 to 1979 in Battle Creek are paying home insurance between $1,174-$1,185 compared to Charleston (+$66), Emmett charter (+$31), Leroy (+$53), Springfield (-$19) and Brownlee Park (-$33).
  • Bedrooms: 7,697 2 bedrooms homes (32% of total homes ) in Battle Creek are paying about $703 in contrast with Charleston (+$40), Emmett charter (+$18), Leroy (+$32), Springfield (-$11) and Brownlee Park (-$20).
  • Auto Insurance Bundling: 5,590 Households (44% of all households) in Battle Creek have 2 vehicles available and when it is bundled with home insurance you can save $144 compared to Springfield ($142), Brownlee Park ($140), Level Park-Oak Park ($145).
  • Senior Discounts: 6,214 seniors (more than 55 years) occupied housing units (49% of total) in Battle Creek get discounts between $108 to $110 and differs from Springfield ($106), Brownlee Park ($105), Level Park-Oak Park ($109).
  • New Homes discounts: New homes such as the 7,818 homes built between 2000 to 2009 in Battle Creek can save $144 and similar new home insurance discounts in nearby towns and cities like Springfield, Brownlee Park and Level Park-Oak Park are $142, $140 and $145 respectively.

Battle Creek Homeowners insurance Facts

  • Battle Creek, MI has 12,674 owner occupied houses which is 61.2% of all units whereas Springfield, Brownlee Park and Level Park-Oak Park have 50.07%, 75.68% and 87.59% respectively.
  • Battle Creek, MI homeowners yearly insurance price at $724 is 0.82% of the typical house value of $88,500 which is in contrast with 1.01% in Springfield, 1.27% at Brownlee Park & 0.78% in Level Park-Oak Park.
  • Homeowners in Battle Creek, MI pay 1.07% of their income ($60,000 to $74,999) in insurance whereas homeowners in Springfield, Brownlee Park and Level Park-Oak Park pay 1.06%, 1.04% and 1.08% respectively.
  • Battle Creek, MI’s insurance is 5.5% of monthly housing costs of $1,089/month, for owners with a mortgage compared to 6.62% in Springfield, 6.92% at Brownlee Park & 6.19% in Level Park-Oak Park. But, for households without a mortgage, insurance is 14.6% of costs ($414 in Battle Creek, MI) in contrast with 15.27% in Springfield, 18.68% at Brownlee Park & 20.61% in Level Park-Oak Park.

Battle Creek, MI Home Values & Insurance rates

For example, insurance for 2,334 Homes (18.0% of total homes ) valued between Less than $50,000 in Battle Creek, MI is about $202. Rates in nearby areas in such as Level Park-Oak Park, Bedford charter, Charleston are cheaper by $13, $20, $80 respectively while Springfield and Brownlee Park are costlier by $47 and $114 respectively for similar homes.

Battle Creek, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,334 18.0% $202
$50,000 to $59,999 801 6.0% $427
$60,000 to $69,999 1,064 8.0% $528
$70,000 to $79,999 1,286 10.0% $608
$80,000 to $89,999 998 8.0% $695
$90,000 to $99,999 852 6.0% $774
$100,000 to $124,999 1,607 12.0% $897
$125,000 to $149,999 866 6.0% $1122
$150,000 to $174,999 904 7.0% $1324
$175,000 to $199,999 541 4.0% $1527
$200,000 to $249,999 531 4.0% $1838
$250,000 to $299,999 422 3.0% $2251
$300,000 to $399,999 233 1.0% $2859

Renters Insurance in Battle Creek

  • Average Renters Insurance in Battle Creek :  $246($20/month)

  • Median Gross Rent in Battle Creek :  $673

  • Battle Creek Renters Insurance to Median Rent Ratio:  2.97%

  • Average household size of renter-occupied unit :  2.26

Battle Creek Renters Insurance as a Percentage of Rent

Battle Creek Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 97 1.0% $361
$200 to $299 209 2.0% $811
$300 to $499 1,141 14.0% $1261
$500 to $749 3,301 42.0% $1936
$750 to $999 2,251 29.0% $2686
$1,000 to $1,499 506 6.0% $3811
$1,500 or more 250 3.0% $5461

Rent Affordability in Battle Creek:

Approximately 53.0% (4,305) of households are spending more than 35% of their income on gross rent in Battle Creek

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 765 9.0%
15.0 to 19.9 percent 779 9.0%
20.0 to 24.9 percent 859 10.0%
25.0 to 29.9 percent 700 8.0%
30.0 to 34.9 percent 635 7.0%
35.0 percent or more 4,305 53.0%

Protective device discount in Battle Creek Up to :  $36

Claims-free discount in Battle Creek Up to :  $49