Spring Arbor Insurance Rates:

Spring Arbor, MI home insurance is approximately $642 to $881, about $53-$73/month. Our all inclusive research shows customers can save upto $304 by getting different quotes

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Spring Arbor Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $820/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 1940 sqft Seasonal Residence Constructed In 1988 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Male who is Retired 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

  • 500-549 Credit Score

Home Insurance Rate of $510/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 2030 sqft Primary Residence Constructed In 2006 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 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 :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $310/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

5 Beds, 5 Baths 1580 sqft Seasonal Residence Constructed In 1967 with Wood Flooring, Composition Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $290/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Baths 1380 sqft Rental Property Constructed In 1984 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $780/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

5 Beds, 5 Baths 4530 sqft Seasonal Residence Constructed In 1982 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 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 :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 1800 sqft Rental Property Constructed In 1962 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $610/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $345,000

5 Beds, 5 Bath 4140 sqft Seasonal Residence Constructed In 2012 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 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 :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $850/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 1760 sqft Vacation Property Constructed In 1967 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

5 Beds, 5 Bath 1900 sqft Vacation Property Constructed In 2014 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $320/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

5 Beds, 5 Baths 1750 sqft Primary Residence Constructed In 2001 with Carpet Flooring, Membrane Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Spring Arbor, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
49283 $154,100 $770

Spring Arbor Rates & Quotes Analysis:

Spring Arbor Area Estimated House Insurance
Ivan Dr, Horst Ct, Engelhardt Strasse, Van Wert Rd, Earl Dr, Lockerbie Dr, Mulberry Cir, Parsons Rd, Paddock St, Moscow Rd$744
W Arbor View Dr, Elwood Blvd, King Rd, Baldwin, Carter Rd, Schultz Rd, Roundtree Rd, Cross Rd, Scotch Blue Dr, J Dr$744
French Rd, Faith Dr, Little Dr, Albion Rd, S Sandstone Rd, W Gordon Dr, Star Rd, Liberty St, Reiniche Rd, Weeks Rd$756
Stonehaven Dr, Farwell Lake, Noble St, Noble Rd, Preston Rd, Rimers Dr, W Court St, Chapel Rd, Warriner Rd, Tripp Rd$758
E Court St, S Harrington Rd, Litle Rd, Obrien Rd, Swains Lake Dr, Renfrew Blvd, Stonecreek Dr, Weir Rd, River St, Village Green Ln$749

Insurance rates are influenced by a number of factors including:

  • Year Built: 558 Homes (18% of total homes ) built between 1990 to 1999 in Spring Arbor are paying home insurance between $1,099-$1,111. Places close to Spring Arbor, MI such as Liberty, Columbia, Grass Lake charter are more expensive by $15, $22, $33 respectively while Summit and Sandstone are cheaper by $26 and $17 respectively for similar homes.
  • Bedrooms: 438 2 bedrooms homes (14% of total homes ) in Spring Arbor are paying about $732. Areas near to Spring Arbor such as Liberty, Somerset, Columbia are costlier by $17, $7, $14 respectively whereas Summit and Concord are more economical by $17, $3 respectively for similar homes.
  • Auto Insurance Bundling: 1,097 Households (51% of all households) in Spring Arbor have 2 vehicles available and when it is bundled with home insurance you can save $152 and differs from Summit ($148), Concord ($151), Sandstone ($150).
  • Senior Discounts: 914 seniors (more than 55 years) occupied housing units (42% of total) in Spring Arbor get discounts between $113 to $115. The comparative concessions in proximate regions such as Summit, Concord and Sandstone are $111, $113 and $112 respectively.
  • New Homes discounts: New homes such as the 1,267 homes built between 2000 to 2009 in Spring Arbor can save $152 and differs from Summit ($148), Concord ($151), Sandstone ($150).

Spring Arbor Homeowners insurance Facts

  • Spring Arbor, MI has 2,134 owner occupied houses which is 82.5% of all units whereas Summit, Concord and Sandstone have 77.29%, 90.38% and 91.92% respectively.
  • Spring Arbor, MI homeowners yearly insurance price at $762 is 0.51% of the typical house value of $148,800 which is in contrast with 0.62% in Summit, 0.52% at Concord & 0.57% in Sandstone.
  • Homeowners in Spring Arbor, MI pay 15.24% of their income (Less than $10,000) in insurance whereas homeowners in Summit, Concord and Sandstone pay 14.88%, 15.18% and 15.0% respectively.
  • Spring Arbor, MI’s insurance is 4.6% of monthly housing costs of $1,373/month, for owners with a mortgage compared to 5.1% in Summit, 5.15% at Concord & 5.07% in Sandstone. But, for households without a mortgage, insurance is 15.7% of costs ($404 in Spring Arbor, MI) in contrast with 14.52% in Summit, 14.95% at Concord & 16.49% in Sandstone.

Spring Arbor, MI Home Values & Insurance rates

For example, insurance for 116 Homes (5.0% of total homes ) valued between $90,000 to $99,999 in Spring Arbor, MI is about $480. Rates in nearby areas in such as Liberty, Columbia, Grass Lake charter are cheaper by $40, $61, $80 respectively while Summit and Concord are costlier by $100 and $13 respectively for similar homes.

Spring Arbor, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 282 14.0% $121
$50,000 to $59,999 76 3.0% $266
$60,000 to $69,999 74 3.0% $327
$70,000 to $79,999 52 2.0% $381
$80,000 to $89,999 32 1.0% $434
$90,000 to $99,999 116 5.0% $480
$100,000 to $124,999 185 9.0% $556
$125,000 to $149,999 270 13.0% $701
$150,000 to $174,999 344 17.0% $830
$175,000 to $199,999 236 11.0% $960
$200,000 to $249,999 190 9.0% $1150
$250,000 to $299,999 99 4.0% $1409
$300,000 to $399,999 50 2.0% $1790

Renters Insurance in Spring Arbor

  • Average Renters Insurance in Spring Arbor :  $148($12/month)

  • Median Gross Rent in Spring Arbor :  $726

  • Spring Arbor Renters Insurance to Median Rent Ratio:  1.65%

  • Average household size of renter-occupied unit :  1.84

Spring Arbor Renters Insurance as a Percentage of Rent

Spring Arbor Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 16 3.0% $337
$200 to $299 26 5.0% $787
$300 to $499 15 3.0% $1237
$500 to $749 181 40.0% $1912
$750 to $999 41 9.0% $2662
$1,000 to $1,499 127 28.0% $3787
$1,500 or more 36 8.0% $5437

Protective device discount in Spring Arbor Up to :  $22

Claims-free discount in Spring Arbor Up to :  $29