Charlotte Insurance Rates:

Charlotte, MI homeowners insurance is nearly $625 to $852, about $52-$71/month. Our in depth guide shows customers can save upto $295 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Charlotte, MI Homeowners Insurance By Home Value

Charlotte, MI Home Value Total Homes % of Total Average Charlotte, MI Homeowners Insurance
Less than $50,000 255 10.0% $162
$50,000 to $59,999 73 2.0% $339
$60,000 to $69,999 134 5.0% $421
$70,000 to $79,999 157 6.0% $487
$80,000 to $89,999 98 3.0% $554
$90,000 to $99,999 257 10.0% $620
$100,000 to $124,999 615 24.0% $724
$125,000 to $149,999 311 12.0% $901
$150,000 to $174,999 418 16.0% $1064
$175,000 to $199,999 86 3.0% $1234
$200,000 to $249,999 83 3.0% $1478
$250,000 to $299,999 44 1.0% $1810

Top Home Insurance Agents Near Charlotte, MI

Home Insurance Company Near Charlotte, MI Homeowners Insurance Agency Near Charlotte, MI Address
NA Beukema Insurance Agency 8194 Byron Center Ave 8194 Byron Center Ave Byron Center, byron center avenue sw, MI, 49315
NA Moore Insurance Services, Inc. 67 N Howell, Hillsdale, MI, 49242
NA Meiers Lombardini Lemanski Insurance 2760 Dr Suite 1 East Lansing, East Lansing, MI, 48823
State Farm Kevin Winter 954 W Monroe St, Jackson, MI, 49202-2065
State Farm Mike Otto 114 W Harris St, Charlotte, MI, 48813-2311

Cost Of Homeowners Insurance By Street Near Charlotte, MI

Streets in Charlotte Area Homeowners Insurance Cost
Canterbury Dr, S Clinton St, Church, Summit St, W Shaw St, N Stine Rd, Railroad, E Kinsel Hwy, Bulling Ln, Fairview Hwy$760
Maurer Rd, N Perkey Rd, Warren Ave, Kristina Dr, Maple Leaf Ct, W 1st St, White Birch Trl, W Foote St, Kristen Way, N Cochran Ave$763
Mills Hwy, Wedgewood Dr, Tirrell Rd, Mapleview Dr, E Broadway Hwy, Butternut Dr, W Lawrence Hwy, Vansickle Dr, Cole Hwy, Twin Elms$765
Carmel Ln, Derailer Dr, Merritt St, Old Hickory Ln, High St, Brookfield Rd, Stewart Rd, Cambridge Dr, Saint Marys Blvd, High Meadows Ln$766
4th St, Cousins Ln, Paine Dr, W 5 Point Hwy, Flanders Rd, W McClure St, Crozier Dr, Gregory Ln, Montels Way, Valley Hwy$769

Charlotte, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Charlotte$110 to $113
Eaton County$113
Eaton$114
Carmel$115

Charlotte, 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
Eaton County, Michigan $95 $126 $189
Eaton township, Eaton County, Michigan $96 $127 $191
Carmel township, Eaton County, Michigan $96 $128 $192

Charlotte, 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
Charlotte, MI5.1%13.3%
Eaton County4.54%13.47%
Eaton5.1%12.45%
Carmel4.22%15.17%

Charlotte Renters Insurance as a Percentage of Rent

Charlotte Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 58 5.0% $352
$200 to $299 15 1.0% $802
$300 to $499 157 14.0% $1252
$500 to $749 503 45.0% $1927
$750 to $999 311 27.0% $2677
$1,000 to $1,499 63 5.0% $3802

Charlotte, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Charlotte Homeowner Insurance Premium Example $2,000$1,500
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,100$13,600
Net Savings to Charlotte Home Owner from High Deductible Plan $1,500

Charlotte, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Charlotte, MI Home Replacement Value MORE than Home Value Charlotte, MI Home Replacement Value LESS than Home Value
Replacement Value $144,000 $87,500
Insurance Premium based on Replacement Value $775 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $30,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $125/year

Example Charlotte Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyLiberty MutualFarmers Insurance
Monthly Premium 405957
Year Built 198020001943
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $75000-$100000$150000-$175000$200000-$250000
Deductible $500- $1000 Deductible$500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1943 145,000 Metal Roof 1,970 3 $2500-$5000 Deductible 610 12 Brick siding yes
2012 115,000 Asphalt Shingles Roof 1,670 5 $1000-$2500 Deductible 380 9 Brick siding yes
1983 110,000 Composition Roof 1,700 5 $500- $1000 Deductible 160 4 Wood siding No
2010 320,000 Membrane Roof 4,890 5 $2500-$5000 Deductible 1040 12 Stucco siding No
1946 175,000 Membrane Roof 1,930 3 $500 Deductible 140 2 Brick siding No
1942 270,000 Shingles Roof 3,600 5 $500 Deductible 460 5 Fiber-Cement Siding No
2012 290,000 Composition Roof 4,420 5 $5000 to $10,000 Deductible 590 10 Fiber-Cement Siding No
1940 170,000 Asphalt Shingles Roof 2,350 5 $500 Deductible 460 10 Wood siding yes
1983 115,000 Metal Roof 1,690 4 $1000-$2500 Deductible 140 5 Wood siding No
1986 230,000 Metal Roof 2,760 4 > $10,000 Deductible 420 7 Wood siding yes
1986 190,000 Wood Shake Roof 2,910 4 $2500-$5000 Deductible 450 6 Brick siding yes
2003 245,000 Wood Shake Roof 3,210 4 > $10,000 Deductible 290 5 Stone Siding No
2003 280,000 Membrane Roof 4,030 5 $2500-$5000 Deductible 310 4 Vinyl siding No