Holly Insurance Rates:

Holly, MI home insurance is about $631 to $862, about $52-$71/month. Our extensive guide indicates shoppers can save upto $298 by comparing many quotes

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Holly Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $510/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 2370 sqft Vacation Property Constructed In 1969 with Carpet Flooring, Tile Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $220/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1610 sqft Seasonal Residence Constructed In 1946 with Linoleum, Wood Shake Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $330/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 2290 sqft Rental Property Constructed In 1989 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Bath 3290 sqft Primary Residence Constructed In 1994 with Linoleum, Metal Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $330/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 1830 sqft Seasonal Residence Constructed In 1967 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $480/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

5 Beds, 5 Baths 4580 sqft Primary Residence Constructed In 2010 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Male who is Retired and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $110/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2440 sqft Rental Property Constructed In 2010 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $460/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 2200 sqft Seasonal Residence Constructed In 1942 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1210/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

5 Beds, 5 Bath 3960 sqft Vacation Property Constructed In 2014 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $140/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2590 sqft Seasonal Residence Constructed In 1993 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 650-699 Credit Score

Holly, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
48442 $147,000 $770

Holly Rates & Quotes Analysis:

Holly Area Estimated House Insurance
Fagan Rd, E Sherman St, Riverview Ct, Junction St, Emma Dr, N Holly Rd, Kapson Ct, Academy Rd, Burrows Dr, Stonebridge Dr$731
Bevins St, Centenniel, Beach Dr, Howard, Mackey Rd, Ash, Battle Aly, Franklin St, Woodlawn, S Holly Rd$774
Front St, Alley St, Oak Park Dr, S Corbin St, Elliot Rd, Legrande St, North St, Baird St, White Dr, River Bed Dr$734
Candlewick, Sloan Dr, Deer Run Lake Rd, Valley Rise Dr, Clough St, Partridge Dr, Grant St, River Rock Dr, Western Valley Dr, Impala Dr$770
Cmi Dr, S Holly, Deer Valley Rd, Holly Bush, E Thompson Rd, Gravel Lake Dr, Partridge Ct, Halsey Rd, Oak, Locke St$773

Insurance rates are influenced by a number of factors including:

  • Year Built: 503 Homes (11% of total) built between 1950 to 1959 in Holly are paying home insurance between $1,401-$1,412 and varies from Lake Fenton (+$85), Grand Blanc charter (+$25), Groveland (+$106), Burton (-$50) and Swartz Creek (-$16).
  • Bedrooms: 1,148 2 bedrooms homes (25% of total homes ) in Holly are paying about $717. Areas near to Holly such as Lake Fenton, Grand Blanc charter, Groveland are costlier by $43, $20, $52 respectively whereas Fenton and Mundy are more economical by $5, $4 respectively for similar homes.
  • Auto Insurance Bundling: 858 Households (25% of all households) in Holly have 3 or more vehicles available and when it is bundled with home insurance you can save $186. Discounts for similar bundling in close by locations such as Lake Fenton, Fenton, Grand Blanc charter come to $197, $185, $189 respectively.
  • Senior Discounts: 1,346 seniors (more than 55 years) occupied housing units (40% of total) in Holly get discounts between $111 to $114 and differs from Lake Fenton ($118), Fenton ($111), Grand Blanc charter ($113).
  • New Homes discounts: New homes such as the 2,300 homes built between 2000 to 2009 in Holly can save $149 and varies from Lake Fenton ($158), Fenton ($148), Grand Blanc charter ($151).

Holly Homeowners insurance Facts

  • Holly, MI has 3,348 owner occupied houses which is 80.3% of all units whereas Lake Fenton, Fenton and Grand Blanc charter have 85.33%, 60.37% and 69.34% respectively.
  • Holly, MI homeowners yearly insurance price at $746 is 0.6% of the typical house value of $124,100 which is in contrast with 0.4% in Lake Fenton, 0.64% at Fenton & 0.52% in Grand Blanc charter.
  • Homeowners in Holly, MI pay 3.32% of their income ($20,000 to $24,999) in insurance whereas homeowners in Lake Fenton, Fenton and Grand Blanc charter pay 3.52%, 3.29% and 3.37% respectively.
  • Holly, MI’s insurance is 4.1% of monthly housing costs of $1,520/month, for owners with a mortgage compared to 3.58% in Lake Fenton, 4.58% at Fenton & 3.91% in Grand Blanc charter. But, for households without a mortgage, insurance is 11.3% of costs ($548 in Holly, MI) in contrast with 10.41% in Lake Fenton, 12.84% at Fenton & 10.85% in Grand Blanc charter.

Holly, MI Home Values & Insurance rates

For example, insurance for 166 Homes (5.0% of total homes ) valued between $250,000 to $299,999 in Holly, MI is about $1,648. Rates in nearby areas in such as Lake Fenton, Grand Blanc charter, Groveland are cheaper by $541, $206, $615 respectively while Fenton and Mundy are costlier by $115 and $80 respectively for similar homes.

Holly, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 515 15.0% $149
$50,000 to $59,999 92 2.0% $313
$60,000 to $69,999 95 2.0% $387
$70,000 to $79,999 126 3.0% $447
$80,000 to $89,999 177 5.0% $507
$90,000 to $99,999 80 2.0% $566
$100,000 to $124,999 610 18.0% $656
$125,000 to $149,999 391 11.0% $820
$150,000 to $174,999 349 10.0% $969
$175,000 to $199,999 167 5.0% $1126
$200,000 to $249,999 372 11.0% $1350
$250,000 to $299,999 166 5.0% $1648
$300,000 to $399,999 137 4.0% $2103

Renters Insurance in Holly

  • Average Renters Insurance in Holly :  $189($15/month)

  • Median Gross Rent in Holly :  $685

  • Holly Renters Insurance to Median Rent Ratio:  2.19%

  • Average household size of renter-occupied unit :  2.28

Holly Renters Insurance as a Percentage of Rent

Holly Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 17 2.0% $347
$200 to $299 40 5.0% $797
$300 to $499 87 11.0% $1247
$500 to $749 265 34.0% $1922
$750 to $999 155 20.0% $2672
$1,000 to $1,499 204 26.0% $3797

Rent Affordability in Holly:

Approximately 34.0% (282) of households are spending more than 35% of their income on gross rent in Holly

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 70 8.0%
15.0 to 19.9 percent 140 17.0%
20.0 to 24.9 percent 142 17.0%
25.0 to 29.9 percent 160 19.0%
30.0 to 34.9 percent 27 3.0%
35.0 percent or more 282 34.0%

Protective device discount in Holly Up to :  $28

Claims-free discount in Holly Up to :  $37