Kalamazoo Insurance Rates:

Kalamazoo, MI home insurance is approximately $620 to $842, about $51-$70/month. Our comprehensive analysis shows customers can save as much as $292 by getting different quotes

Compare Quotes from Top Providers and Save now!

Read Kalamazoo, Michigan Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Kalamazoo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $250/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

5 Beds, 5 Baths 1800 sqft Rental Property Constructed In 1994 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $50/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 2210 sqft Primary Residence Constructed In 1967 with Linoleum, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 2040 sqft Rental Property Constructed In 1983 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $500/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 2520 sqft Vacation Property Constructed In 1975 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 2010 sqft Vacation Property Constructed In 1985 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $50/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1890 sqft Seasonal Residence Constructed In 1940 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $730/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 3010 sqft Vacation Property Constructed In 1982 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $410/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

5 Beds, 5 Baths 2170 sqft Primary Residence Constructed In 1987 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $150/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1720 sqft Rental Property Constructed In 1987 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $250/7 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Baths 1367 sqft Primary Residence Constructed In 1989 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1000/12 months for $10,000 Coverage
And old house from the early 1900s
Single, decent credit, no pets or kids. I work full time from home/outside-of-home. I smoke a pack a day.

Kalamazoo, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
49001 $88,000 $730
49007 $76,200 $720
49009 $177,000 $790
49008 $147,400 $770
49002 $141,600 $770
49006 $122,100 $750

Kalamazoo Rates & Quotes Analysis:

Kalamazoo Area Estimated House Insurance
Kimbark Ave, Honeylocust Ln, Adelaide St, Forest Hills Ln, W Main Ct, Gibson St, Willard St, Stone Valley Ln, Clarnin St, Scudder Ct$674
Frederick Ave, Horace Ave, Stafford Rd, Adams St, Dewey Ave, Deadwood Dr E, Bard Ave, Burrows Rd, Alamo Hills Dr, Burdick Pl$754
Greenfield Ave, Floral Dr, Summit Dr, Edgecliff Ln, Lulu St, Applelane Ave, Allen Blvd, Woodside Ave, Whittier Dr, Rochester Ave$703
The Dells, Upper Riverview Dr, Waverly Dr, Grasshopper Rd, W Kalamazoo Ave, E Water St, Walter St, Willis Ave, Summer Ridge Dr, Collins St$774
N Prairie Ave, W Grand Ave, Burke Ct, Garden St, Imperial St, Oakland Ridge Dr, Adams St, Albany St, E Paterson St, Alcott Pl$728
Newton Ct, Glenhaven Ave, Glendale Blvd, Oak Ct, I-94 Bus Lp, Willow Lake Dr, Sheridan Dr, 4th St, Kent Ave, High St$733
Lake Hill Dr, Westbrook St, Hazel Ave, Virginia Ave, Woodhaven Dr, Evergreen Dr, Lum Ave, N Edwards St, N Park St, Argyle Ave$777
W Dutton St, Duchess Dr, Blakeslee St, Lincolnshire Blvd, Chevy Chase Blvd, Knollwood Ave, Phillips St, Highfield St, Duxbury St, Greenleaf Cir$720
Duke Ln, Fairview Ave, Circle St, Lane Blvd, Walbridge St, Washington Ave, Buchanan Ave, Pine Ridge Rd, Low Rd, Schippers Ln$751
Moraine Trl, Harborview Ct, Kingston Ave, Persianwood Dr, Warren Pl, E Frank St, E Walnut St, Elizabeth St, Wheeler Ave, Dover Rd$764

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,384 Homes (31% of total homes ) built between 1939 or earlier in Kalamazoo are paying home insurance between $1,565-$1,576. Places close to Kalamazoo, MI such as Westwood, Kalamazoo County, Comstock Northwest are more expensive by $22, $54, $57 respectively while Eastwood and Galesburg are cheaper by $26 and $24 respectively for similar homes.
  • Bedrooms: 9,974 3 bedrooms homes (31% of total homes ) in Kalamazoo are paying about $862. Areas near to Kalamazoo such as Westwood, Kalamazoo County, Parchment are costlier by $13, $31, $6 respectively whereas Eastwood and Galesburg are more economical by $13, $12 respectively for similar homes.
  • Auto Insurance Bundling: 1,854 Households (14% of all households) in Kalamazoo have 3 or more vehicles available and when it is bundled with home insurance you can save $182 and differs from Westwood ($185), Eastwood ($180), Kalamazoo charter ($183).
  • Senior Discounts: 5,920 seniors (more than 55 years) occupied housing units (44% of total) in Kalamazoo get discounts between $109 to $111. The comparative concessions in proximate regions such as Westwood, Eastwood and Kalamazoo charter are $111, $108 and $109 respectively.
  • New Homes discounts: New homes such as the 7,736 homes built between 2000 to 2009 in Kalamazoo can save $146 and varies from Westwood ($148), Eastwood ($144), Kalamazoo charter ($146).

Kalamazoo Homeowners insurance Facts

  • Kalamazoo, MI has 13,161 owner occupied houses which is 46.5% of all units whereas Westwood, Eastwood and Kalamazoo charter have 56.46%, 63.43% and 64.32% respectively.
  • Kalamazoo, MI homeowners yearly insurance price at $731 is 0.73% of the typical house value of $99,900 which is in contrast with 0.63% in Westwood, 0.88% at Eastwood & 0.71% in Kalamazoo charter.
  • Homeowners in Kalamazoo, MI pay 0.97% of their income ($75,000 or more) in insurance whereas homeowners in Westwood, Eastwood and Kalamazoo charter pay 0.99%, 0.96% and 0.98% respectively.
  • Kalamazoo, MI’s insurance is 5.4% of monthly housing costs of $1,129/month, for owners with a mortgage compared to 5.19% in Westwood, 5.93% at Eastwood & 5.32% in Kalamazoo charter. But, for households without a mortgage, insurance is 13.6% of costs ($449 in Kalamazoo, MI) in contrast with 13.93% in Westwood, 17.75% at Eastwood & 14.24% in Kalamazoo charter.

Kalamazoo, MI Home Values & Insurance rates

For example, insurance for 1,351 Homes (10.0% of total homes ) valued between $80,000 to $89,999 in Kalamazoo, MI is about $621. Rates in nearby areas in such as Westwood, Kalamazoo charter, Kalamazoo County are cheaper by $87, $20, $167 respectively while Eastwood and Galesburg are costlier by $120 and $100 respectively for similar homes.

Kalamazoo, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,907 14.0% $182
$50,000 to $59,999 642 5.0% $380
$60,000 to $69,999 705 5.0% $475
$70,000 to $79,999 922 7.0% $548
$80,000 to $89,999 1,351 10.0% $621
$90,000 to $99,999 1,064 8.0% $694
$100,000 to $124,999 1,716 13.0% $804
$125,000 to $149,999 1,645 12.0% $1001
$150,000 to $174,999 1,198 9.0% $1184
$175,000 to $199,999 482 3.0% $1366
$200,000 to $249,999 575 4.0% $1644
$250,000 to $299,999 369 2.0% $2010
$300,000 to $399,999 216 1.0% $2558

Renters Insurance in Kalamazoo

  • Average Renters Insurance in Kalamazoo :  $229($19/month)

  • Median Gross Rent in Kalamazoo :  $692

  • Kalamazoo Renters Insurance to Median Rent Ratio:  2.75%

  • Renter occupied housing units in Kalamazoo :  15,160

Kalamazoo Renters Insurance as a Percentage of Rent

Kalamazoo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 718 4.0% $357
$200 to $299 606 4.0% $807
$300 to $499 1,894 12.0% $1257
$500 to $749 5,498 37.0% $1932
$750 to $999 3,373 23.0% $2682
$1,000 to $1,499 1,750 11.0% $3807
$1,500 or more 763 5.0% $5457

Rent Affordability in Kalamazoo:

Approximately 56.0% (8,622) of households are spending more than 35% of their income on gross rent in Kalamazoo

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,241 8.0%
15.0 to 19.9 percent 1,196 7.0%
20.0 to 24.9 percent 1,517 10.0%
25.0 to 29.9 percent 1,392 9.0%
30.0 to 34.9 percent 1,192 7.0%
35.0 percent or more 8,622 56.0%

Protective device discount in Kalamazoo Up to :  $34

Claims-free discount in Kalamazoo Up to :  $45