Livonia Insurance Rates:

Livonia, MI home insurance is approximately $653 to $885, about $54-$73/month. Our exhaustive guide indicates shoppers can save upto $307 by comparing different quotes

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Livonia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $850/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 3130 sqft Rental Property Constructed In 1982 with Carpet over wood flooring, Tile Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Male 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 :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1050/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 2340 sqft Vacation Property Constructed In 1974 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Single Male 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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1910/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 2940 sqft Vacation Property Constructed In 1962 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 1840 sqft Vacation Property Constructed In 1976 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Female who has a Full Time Job 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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $540/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1810 sqft Rental Property Constructed In 1985 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $590/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $425,000

5 Beds, 5 Baths 4970 sqft Vacation Property Constructed In 1981 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male who is Unemployed 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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $90/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Baths 2840 sqft Rental Property Constructed In 1966 with Wood Flooring, Tile Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $120/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 2330 sqft Rental Property Constructed In 1977 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Bath 2190 sqft Rental Property Constructed In 1978 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $270/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1390 sqft Rental Property Constructed In 1965 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single 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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $630/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 2950 sqft Rental Property Constructed In 1960 with Stone Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2290/12 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 2223 sqft Rental Property Constructed In 1969 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Livonia, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
48152 $170,500 $790
48154 $169,200 $780
48150 $137,000 $770

Livonia Rates & Quotes Analysis:

Livonia Area Estimated House Insurance
Jamison St, Pickford Dr, Bobrich, Heyer St, Floral Ave, Hix Rd, Shadyside, Louisiana St, Hizmet Dr, Dowling St$774
Bainbridge, Sunbury, Carol Dr, Hillcrest, Fairfax Ct, Sleepy Hollow, Perth Ct, Greenland St, Oxbow, Hees St$759
Laurel, Ashurst, Shadyside, Susanna Dr, Mayfield Ave, Roycroft Ct, Nola, Margareta Dr, Stamford Ct, Purlingbrook$791
Jamison Ave, Riga, Barkley, Grandon Ave, Whitby, Ladywood, Lamar Ln, Bristol Dr, Kingsbury Ave, Western Golf Dr$768
E Deborah Ct, Lawrence Dr, Liverpool St, Morningstar St, Shay Ct, Bennett Ct, Sarah Beth, Banbury, Richfield St, Josie$833

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,399 Homes (24% of total homes ) built between 1960 to 1969 in Livonia are paying home insurance between $1,345-$1,357. Places close to Livonia, MI such as Plymouth, Farmington Hills, Northville are more expensive by $37, $52, $179 respectively while Redford charter and Garden City are cheaper by $83 and $72 respectively for similar homes.
  • Bedrooms: 22,790 3 bedrooms homes (58% of total homes ) in Livonia are paying about $907 and differs from Plymouth (+$25), Farmington Hills (+$27), Northville (+$119), Redford charter (-$57) and Garden City (-$50).
  • Auto Insurance Bundling: 7,852 Households (24% of all households) in Livonia have 3 or more vehicles available and when it is bundled with home insurance you can save $192. Discounts for similar bundling in close by locations such as Redford charter, Farmington, Plymouth come to $180, $192, $197 respectively.
  • Senior Discounts: 16,302 seniors (more than 55 years) occupied housing units (50% of total) in Livonia get discounts between $115 to $117 and varies from Redford charter ($108), Farmington ($115), Plymouth ($118).
  • New Homes discounts: New homes such as the 16,685 homes built between 2000 to 2009 in Livonia can save $153 and similar new home insurance discounts in nearby towns and cities like Redford charter, Farmington and Plymouth are $144, $153 and $158 respectively.

Livonia Homeowners insurance Facts

  • Livonia, MI has 32,043 owner occupied houses which is 86.3% of all units whereas Redford charter, Farmington and Plymouth have 82.38%, 60.87% and 60.78% respectively.
  • Livonia, MI homeowners yearly insurance price at $769 is 0.48% of the typical house value of $160,200 which is in contrast with 0.87% in Redford charter, 0.49% at Farmington & 0.41% in Plymouth.
  • Homeowners in Livonia, MI pay 4.39% of their income ($15,000 to $19,999) in insurance whereas homeowners in Redford charter, Farmington and Plymouth pay 4.12%, 4.39% and 4.51% respectively.
  • Livonia, MI’s insurance is 4.2% of monthly housing costs of $1,511/month, for owners with a mortgage compared to 4.93% in Redford charter, 3.99% at Farmington & 3.65% in Plymouth. But, for households without a mortgage, insurance is 12.6% of costs ($510 in Livonia, MI) in contrast with 13.81% in Redford charter, 10.85% at Farmington & 12.4% in Plymouth.

Livonia, MI Home Values & Insurance rates

For example, insurance for 531 Homes (1.0% of total homes ) valued between $50,000 to $59,999 in Livonia, MI is about $246. Rates in nearby areas in such as Plymouth, Farmington Hills, Northville are cheaper by $33, $47, $107 respectively while Redford charter and Garden City are costlier by $208 and $161 respectively for similar homes.

Livonia, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,214 3.0% $115
$50,000 to $59,999 531 1.0% $246
$60,000 to $69,999 659 2.0% $307
$70,000 to $79,999 607 1.0% $353
$80,000 to $89,999 1,103 3.0% $407
$90,000 to $99,999 1,031 3.0% $453
$100,000 to $124,999 4,220 13.0% $522
$125,000 to $149,999 4,153 13.0% $653
$150,000 to $174,999 6,157 19.0% $776
$175,000 to $199,999 3,887 12.0% $899
$200,000 to $249,999 4,370 13.0% $1076
$250,000 to $299,999 2,506 7.0% $1314
$300,000 to $399,999 1,167 3.0% $1676

Renters Insurance in Livonia

  • Average Renters Insurance in Livonia :  $128($10/month)

  • Median Gross Rent in Livonia :  $897

  • Livonia Renters Insurance to Median Rent Ratio:  1.11%

  • Renter occupied housing units in Livonia :  5,108

Livonia Renters Insurance as a Percentage of Rent

Livonia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 64 1.0% $332
$200 to $299 193 4.0% $782
$300 to $499 342 7.0% $1232
$500 to $749 957 20.0% $1907
$750 to $999 1,391 29.0% $2657
$1,000 to $1,499 1,156 24.0% $3782
$1,500 or more 548 11.0% $5432

Rent Affordability in Livonia:

Approximately 40.0% (2,050) of households are spending more than 35% of their income on gross rent in Livonia

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 693 13.0%
15.0 to 19.9 percent 479 9.0%
20.0 to 24.9 percent 861 16.0%
25.0 to 29.9 percent 663 12.0%
30.0 to 34.9 percent 362 7.0%
35.0 percent or more 2,050 40.0%

Protective device discount in Livonia Up to :  $19

Claims-free discount in Livonia Up to :  $25