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St. Clair, MI Home Values & Insurance Rates

St. Clair, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 107 5.0% $108
$50,000 to $59,999 27 1.0% $233
$70,000 to $79,999 33 1.0% $326
$80,000 to $89,999 67 3.0% $373
$90,000 to $99,999 47 2.0% $420
$100,000 to $124,999 188 8.0% $490
$125,000 to $149,999 214 10.0% $606
$150,000 to $174,999 451 21.0% $723
$175,000 to $199,999 256 12.0% $832
$200,000 to $249,999 286 13.0% $1003
$250,000 to $299,999 239 11.0% $1221
$300,000 to $399,999 177 8.0% $1556

St. Clair Renters Insurance as a Percentage of Rent

St. Clair Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 20 12.0% $1226
$500 to $749 31 19.0% $1901
$750 to $999 92 56.0% $2651
$1,000 to $1,499 20 12.0% $3776

Example St. Clair Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmLiberty Mutual
Monthly Premium 6213346
Year Built 200020141995
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$300000-$350000$200000-$250000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Top Home Insurance Agents Near St. Clair, MI

Home Insurance Company Near St. Clair, MI Homeowners Insurance Agency Near St. Clair, MI Address Distance from St. Clair, MI (miles)
The Peppler Agency, Inc. Po Box 36418 Grosse Pointe, Grosse Pointe Farms, MI, 48236 35.2
Descamps Insurance 26503 Harper Ave St Clair Shores, St. Clair Shores, MI, 48081 31.1
Allstate Larry Benson 811 N Main St Ste 104, Royal Oak, MI, 48067 39.2
Farmers Tanya Thornton 7001 Orchard Lake Rd Ste 330, West Bloomfield, MI, 48322 46.7
State Farm Virgil Lewis 31313 Northwestern Hwy Ste 126, Farmingtn Hls, MI, 48334-2565 46.3


Estimated Home Insurance By Street Area Near St. Clair, MI

St. Clair Area Estimated House Insurance
Rattle Run Rd, E Mill Creek, Neuman Rd, Pug Rd, Golfview Ct, Allington Rd, Davis Rd, Elmer Dr, Pine Ridge Rd, Cuttle Rd$771
Lincoln St, Randswood, Serenity Ln, S Allen Rd, Vine St, S River Rd, S Richman Rd, Mahren Rd, Neuman Rd, Marion$774
Pickford Rd, Jessica Ln, Ulrich Trl, Clinton Ave, Joseph Tamron Dr, Big Hand Rd, Park Ave, Renee Dr, Allington Rd, Hurst Rd$782
Melody Ct, S Bartlett Rd, S Bartlett Rd, Blue River Dr, Preservation Ln, Busha Hwy, V Achatz Dr, Yankee Rd, Ketchum Rd, Hunters Park W$771
Drexler Rd, Birch Rd, Airport Dr, S Isabelle, Stein Rd, Klettner Rd, Hollywood St, Briggeman Rd, Rattle Run Rd, Allen Rd$774

St. Clair, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly St. Clair Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $5,700$5,200
Net Savings to St. Clair Home Owner from High Deductible Plan $500

St. Clair, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. Clair, MI Home Replacement Value MORE than Home Value St. Clair, MI Home Replacement Value LESS than Home Value
Replacement Value $201,000 $129,000
Insurance Premium based on Replacement Value $900 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $200/year