Muskegon Insurance Rates:

Muskegon, MI home insurance is nearly $605 to $821, about $50-$68/month. Our detailed analysis reveals consumers can save as much as $285 by comparing multiple quotes

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Muskegon Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $150/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 2400 sqft Seasonal Residence Constructed In 1950 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $610/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 3770 sqft Vacation Property Constructed In 1949 with Wood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 2290 sqft Rental Property Constructed In 1957 with Linoleum, Slate Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $550/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Bath 4660 sqft Vacation Property Constructed In 1941 with Hardwood Flooring, Metal Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $270/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

4 Beds, 4 Baths 1920 sqft Primary Residence Constructed In 1971 with Linoleum, Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Male 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 Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/6 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $65,000

2 Beds, 2 Bath 1050 sqft Rental Property Constructed In 1967 with Linoleum, Slate Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $170/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Baths 1330 sqft Primary Residence Constructed In 1989 with Wood Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $300/10 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1480 sqft Rental Property Constructed In 1970 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Muskegon, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
49440 $86,200 $730
49442 $78,900 $720
49441 $108,300 $750

Muskegon Rates & Quotes Analysis:

Muskegon Area Estimated House Insurance
Lake Dunes Dr, Mark, Greenwood St, Millard Ave, Glen Ave, E Columbia Ave, Allen Ave, Charles St, Katy Ave, Margaret Ave$738
N Creston Rd, Sandy Cove Ct, Getty St, Broadmoor St, Fett St, Creston St, Beidler St, Douglas Ln, Rosewood Ln, Ireland Ave$742
Hart Ln, Timberwood Ct, Sheridan Dr, Linda St, Whiskey Hollow, Paulsen Dr, Webster Ave, Amity Ave, Latimer Dr, Leech St$739
W Keating Ave, Lincoln St, Morton Ave, Parslow Dr, W Muskegon Ave, Hickory Ct, Resort Ave, Hartford Ave, Bluff St, Cottage Grove Ave$780
Valley View Dr, Addison St, W Laketon Ave, Leonard Ave, Brusse St, Irwin Ave, Michigan Ave, David St, Hadden St, W Delano Ave$712

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,339 Homes (14% of total homes ) built between 1940 to 1949 in Muskegon are paying home insurance between $1,431-$1,442. Places close to Muskegon, MI such as North Muskegon, Roosevelt Park, Muskegon charter are more expensive by $88, $42, $27 respectively while Muskegon Heights and Webber are cheaper by $30 and $17 respectively for similar homes.
  • Bedrooms: 3,084 1 bedroom homes (18% of total homes ) in Muskegon are paying about $664. Areas near to Muskegon such as North Muskegon, Roosevelt Park, Norton Shores are costlier by $40, $11, $30 respectively whereas Muskegon Heights and Otto are more economical by $14, $3 respectively for similar homes.
  • Auto Insurance Bundling: 865 Households (12% of all households) in Muskegon have 3 or more vehicles available and when it is bundled with home insurance you can save $178 and differs from North Muskegon ($189), Muskegon Heights ($174), Roosevelt Park ($183).
  • Senior Discounts: 3,271 seniors (more than 55 years) occupied housing units (45% of total) in Muskegon get discounts between $106 to $109. The comparative concessions in proximate regions such as North Muskegon, Muskegon Heights and Roosevelt Park are $113, $104 and $109 respectively.
  • New Homes discounts: New homes such as the 4,853 homes built between 2000 to 2009 in Muskegon can save $142 in contrast with North Muskegon ($151), Muskegon Heights ($139), Roosevelt Park ($146).

Muskegon Homeowners insurance Facts

  • Muskegon, MI has 7,179 owner occupied houses which is 49.8% of all units whereas North Muskegon, Muskegon Heights and Roosevelt Park have 73.88%, 48.95% and 61.8% respectively.
  • Muskegon, MI homeowners yearly insurance price at $713 is 1.02% of the typical house value of $70,000 which is in contrast with 0.54% in North Muskegon, 1.48% at Muskegon Heights & 0.72% in Roosevelt Park.
  • Homeowners in Muskegon, MI pay 5.7% of their income ($10,000 to $14,999) in insurance whereas homeowners in North Muskegon, Muskegon Heights and Roosevelt Park pay 6.05%, 5.58% and 5.86% respectively.
  • Muskegon, MI’s insurance is 6.4% of monthly housing costs of $927/month, for owners with a mortgage compared to 5.12% in North Muskegon, 6.88% at Muskegon Heights & 5.7% in Roosevelt Park. But, for households without a mortgage, insurance is 17.0% of costs ($349 in Muskegon, MI) in contrast with 12.28% in North Muskegon, 15.23% at Muskegon Heights & 15.5% in Roosevelt Park.

Muskegon, MI Home Values & Insurance rates

For example, insurance for 198 Homes (2.0% of total homes ) valued between $200,000 to $249,999 in Muskegon, MI is about $2,295. Rates in nearby areas in such as North Muskegon, Muskegon charter, Norton Shores are cheaper by $1,078, $483, $938 respectively while Pleasant Plains and Webber are costlier by $111 and $549 respectively for similar homes.

Muskegon, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,959 27.0% $249
$50,000 to $59,999 791 11.0% $534
$60,000 to $69,999 839 11.0% $655
$70,000 to $79,999 638 8.0% $762
$80,000 to $89,999 617 8.0% $862
$90,000 to $99,999 634 8.0% $962
$100,000 to $124,999 566 7.0% $1119
$125,000 to $149,999 357 5.0% $1397
$150,000 to $174,999 216 3.0% $1654
$175,000 to $199,999 128 1.0% $1903
$200,000 to $249,999 198 2.0% $2295
$300,000 to $399,999 81 1.0% $3565

Renters Insurance in Muskegon

  • Average Renters Insurance in Muskegon :  $278($23/month)

  • Median Gross Rent in Muskegon :  $599

  • Muskegon Renters Insurance to Median Rent Ratio:  3.84%

  • Average household size of renter-occupied unit :  2.19

Muskegon Renters Insurance as a Percentage of Rent

Muskegon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 190 2.0% $369
$200 to $299 387 5.0% $819
$300 to $499 1,580 22.0% $1269
$500 to $749 2,848 41.0% $1944
$750 to $999 1,515 21.0% $2694
$1,000 to $1,499 332 4.0% $3819
$1,500 or more 89 1.0% $5469

Rent Affordability in Muskegon:

Approximately 59.0% (4,338) of households are spending more than 35% of their income on gross rent in Muskegon

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 462 6.0%
15.0 to 19.9 percent 420 5.0%
20.0 to 24.9 percent 608 8.0%
25.0 to 29.9 percent 636 8.0%
30.0 to 34.9 percent 782 10.0%
35.0 percent or more 4,338 59.0%

Muskegon Renters Insurance Discounts:

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

Number of Vehicles in Muskegon, MI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,917 54.0% $27.8
2 vehicles available 1,098 15.0% $41.7
3 or more vehicles available 157 2.0% $55.6

Protective device discount in Muskegon Up to :  $41

Claims-free discount in Muskegon Up to :  $55