Bay City Insurance Rates:

Bay City, MI homeowners insurance is approximately $607 to $823, about $50-$68/month. Our extensive guide indicates shoppers can save as much as $286 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I like my insurance company because they are good about not being too pushy when it comes to what kind of coverage i need.
Liberty Mutual
I felt like a claim i filed was shorted on the money i was expected. while it was easy to file the claim, i felt they were a bit cheap on the payout.
State Farm
Statefarm is nice and affordable and they have a online portal so i can login and pay my bill. they also keep up with all of my discounts to make sure i'm getting my insurance at the cheapest price.
State Farm
I have stopped communicating with the office associates. Maybe it is due to my general dislike of the insurance industry, but I do as much as possible through the website instead.
Meemic Insurance
I dislike that I am not able to make payments or changes to my policy online. The website feels a little useless because I can't really get any information from it.
Universal Property & Casualty Insurance Company
I have not had to file a claim with the company so I can't speak to the claims process and how it works.
State Farm
Customer service has always been great with USAA, especially considering they are not a local bank in my area, so all communication has to be done over the phone or electronically. They have always been late to work with, polite, and helpful.
Farmer's Insurance
This is a professional company that serves its customers pretty well, has pretty good rates and really no complaints to speak of.

Bay City, MI Homeowners Insurance By Home Value

Bay City, MI Home Value Total Homes % of Total Average Bay City, MI Homeowners Insurance
Less than $50,000 2,212 22.0% $235
$50,000 to $59,999 1,156 11.0% $507
$60,000 to $69,999 1,210 12.0% $629
$70,000 to $79,999 1,207 12.0% $722
$80,000 to $89,999 1,236 12.0% $822
$90,000 to $99,999 752 7.0% $915
$100,000 to $124,999 1,120 11.0% $1065
$125,000 to $149,999 342 3.0% $1329
$150,000 to $174,999 236 2.0% $1573
$175,000 to $199,999 189 1.0% $1816
$200,000 to $249,999 130 1.0% $2180

Top Home Insurance Agents Near Bay City, MI

Home Insurance Company Near Bay City, MI Homeowners Insurance Agency Near Bay City, MI Address
NA Mount Pleasant Agency, Inc. - Central Insurance 119 South Franklin St Mount Pleasant, Mount Pleasant, MI, 48858
State Farm Dave Russell 3923 Bay Rd, Saginaw, MI, 48603-1201
Allstate Lon Woock 3085 Bay Rd Ste 9, Saginaw, MI, 48603
State Farm Roger J Richter 122 S Main St Ste 3, Freeland, MI, 48623-8918
State Farm Scott Seamon 2412 Midland Rd, Saginaw, MI, 48603-3460

Cost Of Homeowners Insurance By Street Near Bay City, MI

Streets in Bay City Area Homeowners Insurance Cost
N Birney St, W Murphy St, Bradley St, 11th St, Washington Ave, 10th St, N Mc Lellan St, N Barclay St, Lolls Ln, Picard St$720
King St, 39th St, Raymond St, W Thomas St, Marquette Ave, W Pearl Ave, Hart St, E South Union St, W Vermont St, McDonald St$707
31st St, Stanton St, Madison Ct, 14th St, N 14th St, Hayes Ln, W Jeanette St, State St, Parkwood Ct, Boehringer Ct$736
N Sheridan St, S Henry St, Jennison St, Smith St, Ingraham St, Trumbull St, Cass Ave, 28th St, Martin St, Ellsworth Dr$702
Chandler St, Clay St, Ketchum St, Franklin St, Brent St, W Jenny St, 10th St, 27th St, Lewis St, Niagara St$717

Bay City, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bay City$107 to $109
Essexville$109
Bangor charter$111
Monitor charter$112

Bay City, 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
Essexville city, Michigan $109 $145 $218
Portsmouth charter township, Bay County, Michigan $110 $146 $219
Bangor charter township, Bay County, Michigan $111 $148 $222

Bay City, 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
Bay City, MI5.8%13.9%
Essexville5.34%11.78%
Portsmouth charter5.5%16.46%
Bangor charter5.31%15.55%

Bay City Renters Insurance as a Percentage of Rent

Bay City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 120 2.0% $368
$200 to $299 565 13.0% $818
$300 to $499 1,147 28.0% $1268
$500 to $749 1,125 27.0% $1943
$750 to $999 646 15.0% $2693
$1,000 to $1,499 461 11.0% $3818

Bay City, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Bay City Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,800$5,200
Net Savings to Bay City Home Owner from High Deductible Plan $600

Bay City, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bay City, MI Home Replacement Value MORE than Home Value Bay City, MI Home Replacement Value LESS than Home Value
Replacement Value $81,500 $53,000
Insurance Premium based on Replacement Value $450 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $8,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $100/year

Example Bay City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmChubb Group of Insurance
Monthly Premium 1203723
Year Built 195219671941
Home Details 5 Beds, 4 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$100000-$125000$50000-$75000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1959 55,000 Tile Roof 1,210 3 $1000-$2500 Deductible 110 6 Stucco siding yes
1946 80,000 Slate Shingles Roof 1,370 3 $2500-$5000 Deductible 40 2 Stone Siding yes
1950 150,000 Tile Roof 2,120 3 $500 Deductible 410 8 Brick siding No
1960 65,000 Membrane Roof 1,210 2 $2500-$5000 Deductible 20 1 Fiber-Cement Siding No
1947 130,000 Membrane Roof 2,290 5 $1000-$2500 Deductible 440 10 Vinyl siding yes
1952 185,000 Wood Shake Roof 2,960 4 $2500-$5000 Deductible 300 6 Brick siding yes
1957 240,000 Metal Roof 3,800 5 $500 Deductible 750 10 Stucco siding No
1968 75,000 Composition Roof 1,420 3 $2500-$5000 Deductible 190 10 Fiber-Cement Siding No
1967 90,000 Metal Roof 1,510 2 $500- $1000 Deductible 440 12 Fiber-Cement Siding yes
1951 210,000 Shingles Roof 3,360 4 $5000 to $10,000 Deductible 390 10 Stone Siding yes
1940 55,000 Asphalt Shingles Roof 970 2 $1000-$2500 Deductible 180 7 Vinyl siding yes
1955 80,000 Tile Roof 1,490 2 $500- $1000 Deductible 210 10 Fiber-Cement Siding yes
1959 130,000 Shingles Roof 2,280 4 $500- $1000 Deductible 410 8 Stucco siding No
1956 90,000 Composition Roof 1,840 4 $500- $1000 Deductible 30 1 Fiber-Cement Siding yes
1960 225,000 Shingles Roof 3,320 5 $5000 to $10,000 Deductible 870 10 Brick siding yes
1960 95,000 Asphalt Shingles Roof 1,420 2 $1000-$2500 Deductible 30 1 Vinyl siding yes
1954 270,000 Composition Roof 4,170 5 $1000-$2500 Deductible 430 5 Vinyl siding No
1961 65,000 Composition Roof 1,170 2 $500 Deductible 20 1 Stone Siding No
1943 80,000 Composition Roof 1,680 2 $500- $1000 Deductible 80 2 Fiber-Cement Siding yes
1960 90,000 Tile Roof 1,460 3 $1000-$2500 Deductible 270 10 Stone Siding No
1941 220,000 Asphalt Shingles Roof 4,470 5 $5000 to $10,000 Deductible 330 5 Vinyl siding yes
1944 80,000 Composition Roof 1,580 5 $2500-$5000 Deductible 110 6 Stucco siding yes
1945 55,000 Wood Shake Roof 1,020 2 $1000-$2500 Deductible 190 8 Stone Siding yes
1962 145,000 Wood Shake Roof 2,830 5 $1000-$2500 Deductible 290 7 Vinyl siding yes
1954 220,000 Wood Shake Roof 3,380 5 $2500-$5000 Deductible 150 2 Stucco siding yes
1968 205,000 Slate Shingles Roof 2,850 5 $5000 to $10,000 Deductible 400 8 Stucco siding yes
1942 70,000 Membrane Roof 1,140 2 $500 Deductible 300 10 Vinyl siding No
1954 140,000 Asphalt Shingles Roof 2,220 3 $500- $1000 Deductible 60 1 Vinyl siding No
1944 95,000 Asphalt Shingles Roof 1,840 3 $2500-$5000 Deductible 170 6 Stone Siding No
1956 135,000 Shingles Roof 2,560 5 $500- $1000 Deductible 300 5 Vinyl siding yes
1959 110,000 Composition Roof 1,790 2 $1000-$2500 Deductible 190 4 Brick siding No