Spring Lake Insurance Rates:

Spring Lake, MI home insurance is nearly $659 to $908, about $54-$75/month. Our extensive guide indicates shoppers can save as much as $313 by comparing many quotes

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Spring Lake, Michigan Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

Spring Lake Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $60/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

5 Beds, 5 Baths 1570 sqft Vacation Property Constructed In 1998 with Linoleum, Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 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 Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $220/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1260 sqft Vacation Property Constructed In 1987 with Carpet over wood flooring, Composition Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1930 sqft Rental Property Constructed In 2001 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Married 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 :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $810/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Bath 2340 sqft Primary Residence Constructed In 1964 with Linoleum, Slate Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married 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 :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $600/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Bath 2100 sqft Primary Residence Constructed In 1984 with Stone Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 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 $630/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Bath 1870 sqft Rental Property Constructed In 2014 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $440/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1420 sqft Primary Residence Constructed In 2000 with Stone Flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Female 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 $1450/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Bath 2780 sqft Vacation Property Constructed In 1984 with Carpet Flooring, Membrane Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Spring Lake, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
49456 $171,600 $790

Spring Lake Rates & Quotes Analysis:

Spring Lake Area Estimated House Insurance
Lavinia St, Arthur Ct, Teunis Dr, McLeans, Rannes St, Old Orchard Dr, Maple Ter, Huron Dr, Liberty St, Williams St$769
River Run Dr, Littlefield Ln, South St, Palm Dr, Villa Pkwy, Oakcrest Pkwy, Old Grand Haven Rd, Blanford St, Lost Pond, State Rd$813
Ferry, Parkview Ave, S Fruitport Rd, Barber Ct, Concord Dr, Zuni Dr, Beech St, Iroquois Dr, Beechwood Ln, Wintergreen Ct$777
Vineyard St, Bloem Dr, Longview Ln, E Savidge St, Brookside Dr, Meridian St, N Shore Dr, Breton St, N Ridge Ct, Hidden Trail Dr$769
Pine Hollow Ave, Cutler Ave, River Side Dr, Visser St, Connelly Ave, N Cutler Ave, Snowberry Ct, Rachels Way, Elm, Spring Lake Dr$778

Insurance rates are influenced by a number of factors including:

  • Year Built: 907 Homes (13% of total) built between 1970 to 1979 in Spring Lake are paying home insurance between $1,269-$1,281 and differs from Port Sheldon (+$35), Blendon (+$30), Park (+$20), Grand Haven (-$60) and Ferrysburg (-$44).
  • Bedrooms: 1,342 4 bedrooms homes (19% of total homes ) in Spring Lake are paying about $1,174. Areas near to Spring Lake such as Port Sheldon, Blendon, Park are costlier by $32, $27, $18 respectively whereas Grand Haven and Ferrysburg are more economical by $55, $40 respectively for similar homes.
  • Auto Insurance Bundling: 1,098 Households (24% of all households) in Spring Lake have 3 or more vehicles available and when it is bundled with home insurance you can save $195 compared to Grand Haven ($186), Ferrysburg ($189), Fruitport ($185).
  • Senior Discounts: 2,371 seniors (more than 55 years) occupied housing units (53% of total) in Spring Lake get discounts between $116 to $118 compared to Grand Haven ($111), Ferrysburg ($113), Grand Haven charter ($116).
  • New Homes discounts: New homes such as the 3,524 homes built between 2000 to 2009 in Spring Lake can save $156 compared to Grand Haven ($149), Ferrysburg ($151), Fruitport ($148).

Spring Lake Homeowners insurance Facts

  • Spring Lake, MI has 4,445 owner occupied houses which is 74.6% of all units whereas Grand Haven, Ferrysburg and Fruitport have 68.33%, 81.24% and 86.77% respectively.
  • Spring Lake, MI homeowners yearly insurance price at $783 is 0.43% of the typical house value of $184,000 which is in contrast with 0.6% in Grand Haven, 0.54% at Ferrysburg & 0.62% in Fruitport.
  • Homeowners in Spring Lake, MI pay 1.04% of their income ($75,000 or more) in insurance whereas homeowners in Grand Haven, Ferrysburg and Fruitport pay 0.99%, 1.01% and 0.99% respectively.
  • Spring Lake, MI’s insurance is 4.4% of monthly housing costs of $1,481/month, for owners with a mortgage compared to 5.17% in Grand Haven, 4.75% at Ferrysburg & 5.26% in Fruitport. But, for households without a mortgage, insurance is 13.4% of costs ($488 in Spring Lake, MI) in contrast with 13.85% in Grand Haven, 12.3% at Ferrysburg & 19.41% in Fruitport.

Spring Lake, MI Home Values & Insurance rates

For example, insurance for 491 Homes (12.0% of total homes ) valued between $200,000 to $249,999 in Spring Lake, MI is about $955. Rates in nearby areas in such as Port Sheldon, Blendon, Park are cheaper by $119, $106, $73 respectively while Grand Haven and Ferrysburg are costlier by $395 and $254 respectively for similar homes.

Spring Lake, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 290 7.0% $101
$50,000 to $59,999 51 1.0% $219
$70,000 to $79,999 112 2.0% $313
$80,000 to $89,999 144 3.0% $360
$90,000 to $99,999 205 5.0% $399
$100,000 to $124,999 451 11.0% $461
$125,000 to $149,999 349 9.0% $579
$150,000 to $174,999 487 12.0% $689
$175,000 to $199,999 291 7.0% $790
$200,000 to $249,999 491 12.0% $955
$250,000 to $299,999 410 10.0% $1166
$300,000 to $399,999 501 13.0% $1487

Renters Insurance in Spring Lake

  • Average Renters Insurance in Spring Lake :  $91($7/month)

  • Median Gross Rent in Spring Lake :  $743

  • Spring Lake Renters Insurance to Median Rent Ratio:  0.94%

  • Renter occupied housing units in Spring Lake :  1,512

Spring Lake Renters Insurance as a Percentage of Rent

Spring Lake Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 33 2.0% $322
$200 to $299 27 1.0% $772
$300 to $499 99 6.0% $1222
$500 to $749 606 41.0% $1897
$750 to $999 536 36.0% $2647
$1,000 to $1,499 124 8.0% $3772
$1,500 or more 40 2.0% $5422

Rent Affordability in Spring Lake:

Approximately 50.0% (767) of households are spending more than 35% of their income on gross rent in Spring Lake

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 108 7.0%
15.0 to 19.9 percent 165 10.0%
20.0 to 24.9 percent 218 14.0%
25.0 to 29.9 percent 114 7.0%
30.0 to 34.9 percent 140 9.0%
35.0 percent or more 767 50.0%

Spring Lake Renters Insurance Discounts:

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

Number of Vehicles in Spring Lake, MI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 879 58.0% $9.1
2 vehicles available 373 24.0% $13.65
3 or more vehicles available 100 6.0% $18.2

Spring Lake Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 84 5.0% $74
60 to 64 years 113 7.0% $59
65 to 74 years 90 5.0% $48
75 years and over 277 18.0% $37

Protective device discount in Spring Lake Up to :  $13

Claims-free discount in Spring Lake Up to :  $18