In Battle Creek, MI, homeowners pay an average homeowner’s insurance of $719 per annum. According to Vhome’s extensive research, homeowners in Battle Creek can save up to $289 in insurance costs by choosing the cheapest home insurance company according to their needs.
Home insurance companies consider different features of Battle Creek homes such as the age of the homes, security features, construction type, and its distance to public service agencies, before deciding on the quote. They also offer add-on policies to Battle Creek homeowners based on their requirements. Battle Creek homeowners are recommended to get multiple quotes in order to get the cheapest insurance package.
Home insurance companies calculate insurance costs based on the lifestyle choices of the residents. According to a study done by Vhome, Battle Creek homes with swimming pools increase homeowner’s insurance by as much as $86. Homeowners who smoke and have pets also attract additional home insurance rates.
Home insurance companies provide discounts on homeowners insurance by considering different features. Newly constructed Battle Creek homes get discounts of up to $194. If the houses are built using fire-resistant materials, homeowners can further avail up to an $86 discount. Home insurance companies also provide discounts to active and retired army personnel, federal government employees, teachers, and senior residents.
Deductibles vs. Insurance Costs
Homeowners can reduce the insurance costs they pay by opting for a higher deductible. The percentage of reduction in insurance rates for the same deductible differs between one insurance company to another. Battle Creek homeowners can save $1,000 on a lock-in period of 6 years by opting for a high deductible of $3,900 in place of $1,900.
Post-Claim Insurance Rates
The claims history of homeowners will have a significant impact on deciding their insurance costs. Home insurance companies tend to charge lower insurance rates to homeowners who have a claim-free history. On the other hand, Battle Creek home insurance costs can increase by up to 44% based on the nature and number of claims.