Benton Harbor Insurance Rates:

Benton Harbor, MI homeowners insurance is approximately $594 to $808, about $49-$67/month. Our extensive analysis shows customers can save as much as $280 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Benton Harbor, MI Homeowners Insurance By Home Value

Benton Harbor, MI Home Value Total Homes % of Total Average Benton Harbor, MI Homeowners Insurance
Less than $50,000 668 49.0% $336
$50,000 to $59,999 186 13.0% $708
$60,000 to $69,999 120 8.0% $876
$70,000 to $79,999 69 5.0% $1009
$80,000 to $89,999 98 7.0% $1149
$90,000 to $99,999 19 1.0% $1282
$100,000 to $124,999 56 4.0% $1486
$125,000 to $149,999 14 1.0% $1857
$150,000 to $174,999 29 2.0% $2194
$175,000 to $199,999 36 2.0% $2530
$200,000 to $249,999 34 2.0% $3049
$250,000 to $299,999 29 2.0% $3722

Top Home Insurance Agents Near Benton Harbor, MI

Home Insurance Company Near Benton Harbor, MI Homeowners Insurance Agency Near Benton Harbor, MI Address
State Farm Glen Neely 19271 Darden Road, South Bend, IN, 46637-3942
NA Lighthouse Insurance Group Inc 240 W Michigan Avenue, Kalamazoo, MI, 49007
NA Robert E Boot Agency Inc 443 S Drake, Kalamazoo, MI, 49009
NA Apple Insurance Of South Haven 562 Broadway South Haven, South Haven, MI, 49090
State Farm Ben Baier 932 Parkway Ave Ste A, Elkhart, IN, 46516-9345

Benton Harbor, 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
Benton Heights CDP, Michigan $88 $117 $176
Fair Plain CDP, Michigan $91 $121 $182
St. Joseph city, Michigan $96 $128 $192

Benton Harbor, 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
Benton Harbor, MI7.0%18.4%
Benton Heights7.69%23.01%
Fair Plain6.31%17.33%
St. Joseph4.87%12.96%

Benton Harbor Renters Insurance as a Percentage of Rent

Benton Harbor Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 176 7.0% $376
$200 to $299 196 8.0% $826
$300 to $499 525 23.0% $1276
$500 to $749 782 35.0% $1951
$750 to $999 332 15.0% $2701
$1,000 to $1,499 190 8.0% $3826

Benton Harbor, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Benton Harbor Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,100$5,500
Net Savings to Benton Harbor Home Owner from High Deductible Plan $600

Benton Harbor, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Benton Harbor, MI Home Replacement Value MORE than Home Value Benton Harbor, MI Home Replacement Value LESS than Home Value
Replacement Value $66,500 $49,000
Insurance Premium based on Replacement Value $350 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $8,000 Risk Exposure from Under Insuring Coverage is $9,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $25/year

Example Benton Harbor Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceChubb Group of Insurance
Monthly Premium 513938
Year Built 195619641948
Home Details 4 Beds, 1 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $150000-$175000$100000-$125000$75000-$100000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1958 55,000 Metal Roof 1,010 2 $500- $1000 Deductible 180 8 Stone Siding yes
1953 130,000 Membrane Roof 3,150 5 $500- $1000 Deductible 520 12 Vinyl siding yes
1953 105,000 Membrane Roof 2,160 3 $500 Deductible 260 6 Brick siding yes
1967 100,000 Slate Shingles Roof 1,790 2 $1000-$2500 Deductible 330 10 Vinyl siding yes
1964 120,000 Metal Roof 2,420 4 $2500-$5000 Deductible 250 8 Wood siding No
1969 70,000 Slate Shingles Roof 1,340 3 $500- $1000 Deductible 260 7 Wood siding No
1966 110,000 Slate Shingles Roof 1,860 4 $2500-$5000 Deductible 30 1 Fiber-Cement Siding No
1952 60,000 Tile Roof 1,460 2 $500 Deductible 170 6 Vinyl siding No
1959 150,000 Metal Roof 2,540 4 $1000-$2500 Deductible 470 9 Wood siding No
1941 100,000 Asphalt Shingles Roof 2,320 4 $1000-$2500 Deductible 370 12 Stucco siding yes
1961 165,000 Asphalt Shingles Roof 3,140 5 $500- $1000 Deductible 430 6 Vinyl siding yes
1960 80,000 Metal Roof 1,980 4 $2500-$5000 Deductible 40 2 Stone Siding yes
1962 105,000 Wood Shake Roof 2,010 4 $2500-$5000 Deductible 100 4 Vinyl siding yes
1945 80,000 Membrane Roof 2,040 3 $500- $1000 Deductible 80 3 Brick siding No
1962 75,000 Composition Roof 1,540 3 $500- $1000 Deductible 350 12 Wood siding No
1957 80,000 Tile Roof 1,440 3 $500- $1000 Deductible 40 1 Fiber-Cement Siding yes
1964 125,000 Metal Roof 2,680 5 $2500-$5000 Deductible 230 5 Stone Siding yes
1965 90,000 Slate Shingles Roof 1,530 3 $500 Deductible 70 2 Wood siding yes
1959 125,000 Slate Shingles Roof 2,290 5 $500- $1000 Deductible 250 5 Vinyl siding No
1953 125,000 Membrane Roof 2,640 4 $1000-$2500 Deductible 50 1 Stone Siding yes
1960 205,000 Wood Shake Roof 3,570 5 $500- $1000 Deductible 1010 12 Stone Siding No
1959 85,000 Tile Roof 1,530 3 $1000-$2500 Deductible 90 4 Wood siding yes
1948 120,000 Slate Shingles Roof 1,970 4 $500 Deductible 500 12 Vinyl siding No
1963 80,000 Composition Roof 1,720 2 $2500-$5000 Deductible 160 7 Stone Siding yes
1962 160,000 Slate Shingles Roof 2,820 4 $5000 to $10,000 Deductible 280 7 Brick siding No
1969 130,000 Tile Roof 2,870 4 $500- $1000 Deductible 730 12 Vinyl siding No
1960 130,000 Shingles Roof 2,320 5 $1000-$2500 Deductible 160 4 Fiber-Cement Siding No
1940 65,000 Composition Roof 1,670 3 $500 Deductible 230 9 Wood siding No
1945 50,000 Composition Roof 1,200 2 $500- $1000 Deductible 110 9 Brick siding yes
1957 70,000 Wood Shake Roof 1,500 2 $500 Deductible 190 6 Fiber-Cement Siding No
1967 230,000 Tile Roof 4,210 5 $5000 to $10,000 Deductible 320 6 Stone Siding No