Alma Insurance Rates:

Alma, MI homeowners insurance is about $610 to $829, about $50-$69/month. Our all inclusive guide indicates shoppers can save as much as $287 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Alma, MI Homeowners Insurance By Home Value

Alma, MI Home Value Total Homes % of Total Average Alma, MI Homeowners Insurance
Less than $50,000 300 15.0% $215
$50,000 to $59,999 195 9.0% $460
$60,000 to $69,999 233 11.0% $575
$70,000 to $79,999 224 11.0% $661
$80,000 to $89,999 318 16.0% $747
$90,000 to $99,999 146 7.0% $841
$100,000 to $124,999 200 10.0% $970
$125,000 to $149,999 199 10.0% $1215
$150,000 to $174,999 76 3.0% $1438
$200,000 to $249,999 35 1.0% $1998

Top Home Insurance Agents Near Alma, MI

Home Insurance Company Near Alma, MI Homeowners Insurance Agency Near Alma, MI Address
State Farm Zachary Sabin 4750 Central Park Dr Ste D, Okemos, MI, 48864-1968
NA West Michigan Insurance 355 Northland Dr Ne 355 Northland Dr Ne, Rockford, MI, 49341
NA Harris Insurance Agency, Inc. 116 W Broad St , Chesaning, MI, 48616
NA Hacker King Sherry Agency 2205 Abbot Rd East Lansing, East Lansing, MI, 48823
Allstate The Griswold Agency 221 S Mill St Ste 1, Clio, MI, 48420

Cost Of Homeowners Insurance By Street Near Alma, MI

Streets in Alma Area Homeowners Insurance Cost
E Harrison Rd, S River Ave, Williamette Ave, Riverside Dr, E Tyler Rd, Hillsdale St, Sanctuary Rd, Pine Dr, Grant Ave, Cross Rd$736
N State Rd, W Van Buren Rd, N Alger Rd, Linwood Ave, Midland Gratiot County Line Rd, Bagpipe Dr, Park Ave, Grassmere Ave, York St, Sunset Ln$736
N Pingree Rd, W Hillcrest St, Orchard St, N Allen Rd, Chatham Rd, Golfridge Rd, N Union Rd, California St, N Blair Rd, Wheeler$733
Scotland Cir, Penrith Ave, Hickory St, Rosedale St, Philadelphia Ave, Harvard Ave, Pine Ave, N Court Ave, Fairview Ave, Lincoln Ave$711
Grove Ave, Francisco Ave, Clansman St, Gratiot Ave, Hubbell St, Dean St, W Jackson Rd, 2nd Ave, Kennedy Dr, Adams St$721

Alma, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Alma$107 to $110
St. Louis$106
Arcada$111
Pine River$108

Alma, MI Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
St. Louis city, Michigan $107 $142 $213
Arcada township, Gratiot County, Michigan $112 $149 $224
Pine River township, Gratiot County, Michigan $109 $145 $218

Alma, MI Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Alma, MI6.7%15.5%
St. Louis6.57%14.61%
Arcada5.26%15.48%
Pine River6.0%14.79%

Alma Renters Insurance as a Percentage of Rent

Alma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 70 5.0% $365
$200 to $299 136 10.0% $815
$300 to $499 390 31.0% $1265
$500 to $749 366 29.0% $1940
$750 to $999 223 17.0% $2690
$1,000 to $1,499 42 3.0% $3815
$1,500 or more 29 2.0% $5465

Alma, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Alma Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Alma Home Owner from High Deductible Plan $600

Alma, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Alma, MI Home Replacement Value MORE than Home Value Alma, MI Home Replacement Value LESS than Home Value
Replacement Value $105,000 $73,500
Insurance Premium based on Replacement Value $625 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $8,000 Risk Exposure from Under Insuring Coverage is $23,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $50/year

Example Alma Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceAmica Mutual Insurance Company
Monthly Premium 215756
Year Built 196919441986
Home Details 3 Beds, 2 Baths5 Beds, 3 Baths4 Beds, 2 Baths
Coverage Amount $50000-$75000$150000-$175000$175000-$200000
Deductible $500- $1000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Alma, MI from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1945 90,000 Metal Roof 1,690 4 $1000-$2500 Deductible 340 12 Brick siding yes
1977 75,000 Metal Roof 1,270 3 $500 Deductible 80 3 Stucco siding yes
1980 245,000 Wood Shake Roof 3,330 5 $500- $1000 Deductible 120 1 Vinyl siding No
1980 90,000 Shingles Roof 1,560 3 $500- $1000 Deductible 90 3 Stone Siding yes
1982 135,000 Membrane Roof 2,130 3 $1000-$2500 Deductible 50 1 Fiber-Cement Siding No
1976 75,000 Shingles Roof 1,440 3 $1000-$2500 Deductible 50 2 Stucco siding No
1975 205,000 Composition Roof 2,830 4 $1000-$2500 Deductible 130 2 Vinyl siding No
1949 260,000 Asphalt Shingles Roof 3,880 5 $1000-$2500 Deductible 300 3 Stone Siding yes
1984 240,000 Asphalt Shingles Roof 3,350 4 $1000-$2500 Deductible 900 9 Stone Siding No
1967 110,000 Tile Roof 1,740 2 $500 Deductible 320 9 Wood siding No
1967 95,000 Composition Roof 1,350 3 $500 Deductible 360 9 Stucco siding yes
1982 70,000 Asphalt Shingles Roof 1,290 2 $1000-$2500 Deductible 70 3 Stone Siding yes
1944 235,000 Tile Roof 3,370 4 $5000 to $10,000 Deductible 590 10 Stone Siding yes
1946 125,000 Membrane Roof 1,830 3 $500- $1000 Deductible 120 3 Fiber-Cement Siding No
1964 165,000 Shingles Roof 2,260 5 $500 Deductible 90 1 Stone Siding No
1974 135,000 Slate Shingles Roof 2,340 4 $1000-$2500 Deductible 490 12 Stone Siding No
1987 140,000 Slate Shingles Roof 2,290 3 $500- $1000 Deductible 120 2 Stone Siding yes
1946 50,000 Tile Roof 960 2 $500- $1000 Deductible 10 1 Brick siding No
1964 285,000 Slate Shingles Roof 4,090 5 $5000 to $10,000 Deductible 490 7 Brick siding No
1963 255,000 Shingles Roof 4,300 5 $2500-$5000 Deductible 560 7 Stone Siding yes
1976 65,000 Shingles Roof 930 2 $500 Deductible 100 5 Fiber-Cement Siding yes
1977 160,000 Composition Roof 2,870 5 $1000-$2500 Deductible 60 1 Stone Siding yes
1987 135,000 Composition Roof 2,040 3 $500 Deductible 900 12 Stone Siding yes
1981 90,000 Tile Roof 1,650 4 $500 Deductible 410 10 Stone Siding yes
1973 170,000 Wood Shake Roof 2,470 4 $1000-$2500 Deductible 540 9 Fiber-Cement Siding yes
1949 80,000 Tile Roof 1,410 2 $500- $1000 Deductible 80 2 Fiber-Cement Siding No
1965 255,000 Asphalt Shingles Roof 3,890 5 $1000-$2500 Deductible 460 5 Brick siding yes
1979 150,000 Composition Roof 2,000 5 $1000-$2500 Deductible 430 7 Vinyl siding yes