Big Rapids Insurance Rates:

Big Rapids, MI homeowners insurance is nearly $614 to $842, about $51-$70/month. Our complete guide shows customers can save as much as $291 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Big Rapids, MI Homeowners Insurance By Home Value

Big Rapids, MI Home Value Total Homes % of Total Average Big Rapids, MI Homeowners Insurance
Less than $50,000 163 15.0% $189
$50,000 to $59,999 52 4.0% $400
$60,000 to $69,999 58 5.0% $495
$70,000 to $79,999 164 15.0% $567
$80,000 to $89,999 53 4.0% $647
$90,000 to $99,999 92 8.0% $720
$100,000 to $124,999 273 25.0% $837
$125,000 to $149,999 118 11.0% $1048
$150,000 to $174,999 67 6.0% $1237
$175,000 to $199,999 12 1.0% $1434
$300,000 to $399,999 16 1.0% $2679

Top Home Insurance Agents Near Big Rapids, MI

Home Insurance Company Near Big Rapids, MI Homeowners Insurance Agency Near Big Rapids, MI Address
NA White Insurance Agency 13 W Main Street , Grant, MI, 49327
NA West Michigan Insurance Inc 150 N Michigan Ave, Shelby, MI, 49455
Farmers Christopher Conflitti Lutcf 30 S Main, Cedar Springs, MI, 49319
State Farm Cody Ruple 1235 Fuller Ave NE, Grand Rapids, MI, 49505-5532
State Farm Wendy Rode 304 W Main St, Belding, MI, 48809-1676

Cost Of Homeowners Insurance By Street Near Big Rapids, MI

Streets in Big Rapids Area Homeowners Insurance Cost
Old Millpond Rd, Jefferson St, Stonehouse Shores Rd, 7 Mile Rd, 207th Ave, S Warren Ave, 177th Ave, 205th Ave, Circle Dr, Red Pine Dr$748
Newcosta Rd, Birch Park Dr, Lincoln St, Lincoln Rd, Okemos Rd, Rust Ave, N Dekrafft Ave, Sherman St, Morse Heights Rd, Elm Lake Rd$763
Riverside Dr, N Stewart Ave, Tyler Rd, Sumac Dr, Donna Rd, S Dekrafft Ave, Olaf St, N Campus Dr, Oakwood Dr, Hayes Rd$755
Cramer Rd, Kirk St, N Michigan Ave, Maple Dr, S Michigan Ave, New Millpond Rd, Vine St, Ives Ave, N Newcosta Ave, Madison Ave$753
Millpond Rd, Park View Dr, Shamrock Blvd, Finley Ave, W Grand Traverse St, Linden St, Green St, Cedar St, Parkview Dr, Escott St$743

Big Rapids, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Big Rapids$108 to $110
Big Rapids charter$113
Green charter$111
Mecosta$110

Big Rapids, 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
Big Rapids charter township, Mecosta County, Michigan $95 $126 $189
Green charter township, Mecosta County, Michigan $93 $124 $186
Colfax township, Mecosta County, Michigan $95 $126 $189

Big Rapids, 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
Big Rapids, MI5.6%16.6%
Big Rapids charter4.7%18.02%
Green charter4.87%17.49%
Colfax5.44%15.52%

Big Rapids Renters Insurance as a Percentage of Rent

Big Rapids Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 124 6.0% $359
$200 to $299 163 8.0% $809
$300 to $499 339 17.0% $1259
$500 to $749 768 39.0% $1934
$750 to $999 284 14.0% $2684
$1,000 to $1,499 184 9.0% $3809
$1,500 or more 87 4.0% $5459

Big Rapids, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$4,300
Yearly Big Rapids Homeowner Insurance Premium Example $2,000$1,400
Out of Pocket Expense During Claim$1,300$4,300
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $13,300$12,700
Net Savings to Big Rapids Home Owner from High Deductible Plan $600

Big Rapids, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Big Rapids, MI Home Replacement Value MORE than Home Value Big Rapids, MI Home Replacement Value LESS than Home Value
Replacement Value $99,000 $62,000
Insurance Premium based on Replacement Value $500 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,000 Risk Exposure from Under Insuring Coverage is $15,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Big Rapids Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateFarmers Insurance
Monthly Premium 294040
Year Built 198919721945
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $75000-$100000$100000-$125000$100000-$125000
Deductible $1000-$2500 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 145,000 Shingles Roof 2,070 5 $500 Deductible 450 10 Stucco siding No
1945 165,000 Asphalt Shingles Roof 2,150 3 $5000 to $10,000 Deductible 350 7 Wood siding No
1979 70,000 Slate Shingles Roof 1,160 2 $1000-$2500 Deductible 110 5 Stucco siding yes
1976 140,000 Asphalt Shingles Roof 2,090 5 $1000-$2500 Deductible 310 5 Wood siding yes
1971 100,000 Metal Roof 1,670 5 $500 Deductible 380 7 Stucco siding No
1991 155,000 Asphalt Shingles Roof 2,370 3 $500- $1000 Deductible 60 1 Brick siding yes
1962 85,000 Tile Roof 1,510 3 $1000-$2500 Deductible 100 4 Vinyl siding yes
1989 320,000 Tile Roof 4,540 5 $2500-$5000 Deductible 710 7 Vinyl siding No
1979 150,000 Slate Shingles Roof 2,110 4 $500 Deductible 500 9 Stone Siding No
1966 70,000 Composition Roof 1,250 3 $1000-$2500 Deductible 90 5 Stucco siding No
1994 275,000 Slate Shingles Roof 4,100 5 $2500-$5000 Deductible 370 5 Stucco siding No
1991 125,000 Wood Shake Roof 1,930 3 $2500-$5000 Deductible 80 2 Vinyl siding yes
1969 110,000 Wood Shake Roof 1,930 4 $500- $1000 Deductible 270 7 Vinyl siding yes