Westland Insurance Rates:

Westland, MI home insurance is roughly $621 to $843, about $51-$70/month. Our all inclusive guide shows customers can save as much as $292 by getting many quotes

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

Westland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $140/8 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Bath 1040 sqft Primary Residence Constructed In 1972 with Wood Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets 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 $50/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1900 sqft Seasonal Residence Constructed In 1998 with Carpet Flooring, Tile Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 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 :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1750 sqft Primary Residence Constructed In 2008 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $270/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Baths 1210 sqft Rental Property Constructed In 1969 with Carpet Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 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

Home Insurance Rate of $50/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1800 sqft Seasonal Residence Constructed In 2004 with Wood Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $70/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Baths 1220 sqft Primary Residence Constructed In 2003 with Wood Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $70/3 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Bath 1270 sqft Primary Residence Constructed In 1994 with Hardwood Flooring, Composition Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $340/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Bath 1040 sqft Vacation Property Constructed In 2003 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $70/3 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1036 sqft Primary Residence Constructed In 1963 with Linoleum, Slate Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 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

  • 600-649 Credit Score

Westland, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
48186 $96,600 $740
48185 $105,200 $740

Westland Rates & Quotes Analysis:

Westland Area Estimated House Insurance
Pheasant Ln, Carrousel Blvd, Easley Dr, S Linville Ave, Stratford St, S Sybald St, McGee Ct, Elbridge Ct, Donnelly St, Eastport St$711
Hogan Ln, Malvern Dr, Huron Pkwy, Parkcrest Cir, Lancashire St, Audreys Way, Walton St N, Trailbrooke Cir, N Schuman St, Daisy Ln$740
Donna Rd, Superior Pkwy, Crabtree St, Gladys Ave, Blackfoot St, N Hambleton St, Benson Dr, N Parent St, Carrousel Blvd, Shackett$732
Shellye Ct, S Christine St, Carmel St, Hillcrest Blvd, Carolon Ln, Eton St, Hartel, Barkridge Cir, Golfview Ln, Woodcrest Dr$700
Liberty Blvd, Ashby St, Dartmouth Dr, Webb Ct, Harmon Ct, Sycamore Ct, Northampton St, Robinson Ct, Farmington Ct, Chief Ln$757

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,056 Homes (26% of total) built between 1950 to 1959 in Westland are paying home insurance between $1,377-$1,388 and varies from Livonia (+$67), Canton charter (+$110), Plymouth (+$107), Garden City (-$10) and Wayne (-$19).
  • Bedrooms: 5,302 1 bedroom homes (13% of total homes ) in Westland are paying about $674 and varies from Garden City (+$3), Dearborn Heights (+$4), Livonia (+$42), Wayne (-$8) and Inkster (-$14).
  • Auto Insurance Bundling: 4,388 Households (20% of all households) in Westland have 3 or more vehicles available and when it is bundled with home insurance you can save $183 and varies from Garden City ($181), Wayne ($180), Inkster ($177).
  • Senior Discounts: 9,847 seniors (more than 55 years) occupied housing units (45% of total) in Westland get discounts between $109 to $112. The comparative concessions in proximate regions such as Garden City, Wayne and Inkster are $109, $108 and $106 respectively.
  • New Homes discounts: New homes such as the 16,202 homes built between 2000 to 2009 in Westland can save $146 and similar new home insurance discounts in nearby towns and cities like Garden City, Wayne and Inkster are $145, $144 and $141 respectively.

Westland Homeowners insurance Facts

  • Westland, MI has 21,487 owner occupied houses which is 62.7% of all units whereas Garden City, Wayne and Inkster have 81.79%, 60.24% and 50.81% respectively.
  • Westland, MI homeowners yearly insurance price at $732 is 0.72% of the typical house value of $101,200 which is in contrast with 0.78% in Garden City, 0.83% at Wayne & 1.11% in Inkster.
  • Homeowners in Westland, MI pay 1.08% of their income ($60,000 to $74,999) in insurance whereas homeowners in Garden City, Wayne and Inkster pay 1.08%, 1.07% and 1.05% respectively.
  • Westland, MI’s insurance is 4.7% of monthly housing costs of $1,286/month, for owners with a mortgage compared to 4.62% in Garden City, 4.9% at Wayne & 5.25% in Inkster. But, for households without a mortgage, insurance is 13.3% of costs ($460 in Westland, MI) in contrast with 13.11% in Garden City, 13.04% at Wayne & 12.73% in Inkster.

Westland, MI Home Values & Insurance rates

For example, insurance for 1,841 Homes (8.0% of total homes ) valued between $90,000 to $99,999 in Westland, MI is about $680. Rates in nearby areas in such as Livonia, Plymouth, Van Buren charter are cheaper by $227, $301, $161 respectively while Garden City and Wayne are costlier by $54 and $108 respectively for similar homes.

Westland, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,720 12.0% $175
$50,000 to $59,999 922 4.0% $373
$60,000 to $69,999 1,384 6.0% $468
$70,000 to $79,999 1,956 9.0% $541
$80,000 to $89,999 1,746 8.0% $607
$90,000 to $99,999 1,841 8.0% $680
$100,000 to $124,999 3,717 17.0% $790
$125,000 to $149,999 2,744 12.0% $988
$150,000 to $174,999 2,094 9.0% $1171
$175,000 to $199,999 711 3.0% $1354
$200,000 to $249,999 866 4.0% $1625
$250,000 to $299,999 386 1.0% $1991
$300,000 to $399,999 246 1.0% $2525

Renters Insurance in Westland

  • Average Renters Insurance in Westland :  $227($18/month)

  • Median Gross Rent in Westland :  $770

  • Westland Renters Insurance to Median Rent Ratio:  2.34%

  • Average household size of renter-occupied unit :  2.16

Westland Renters Insurance as a Percentage of Rent

Westland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 338 2.0% $806
$300 to $499 749 5.0% $1256
$500 to $749 4,534 36.0% $1931
$750 to $999 4,252 33.0% $2681
$1,000 to $1,499 2,153 17.0% $3806
$1,500 or more 398 3.0% $5456

Rent Affordability in Westland:

Approximately 49.0% (6,279) of households are spending more than 35% of their income on gross rent in Westland

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,257 9.0%
15.0 to 19.9 percent 1,187 9.0%
20.0 to 24.9 percent 1,723 13.0%
25.0 to 29.9 percent 1,353 10.0%
30.0 to 34.9 percent 979 7.0%
35.0 percent or more 6,279 49.0%

Protective device discount in Westland Up to :  $34

Claims-free discount in Westland Up to :  $45