Chesterfield Insurance Rates:

Chesterfield, MI homeowners insurance is nearly $652 to $883, about $54-$73/month. Our all inclusive guide indicates shoppers can save upto $307 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I don't like that i get calls from my insurance company regularly.
State Farm
They are always so friendly and easy to talk to. this is important because i will cancel a service with a provider whenever i have a bad costumer service experience.
Foremost
The price point is very fair. as well as the deductible. it is easily affordable each month. they also include a free month once the policy is paid.
State Farm
I have no complaints at all. I'm afraid that I have nothing to offer here as far as dislikes. I really have had no issues that I would classify as negative with these guys.
Foremost
Most times the company is available to answer questions and provide resources for my needs. They have options for coverage and cash back rewards for no accidents. However, they seem to raise the premiums after giving those rebates.
State Farm
I have not had any problems. Every question I have had has been answered. So far so good. Don't understand why my premium goes up every year...
Nationwide
The only thing I do not like about this company is that if I need to call the 800 phone line after hours sometimes they cannot help and refer me back to the agent. So I have to wait until they open in order to get an answer.

Chesterfield, MI Homeowners Insurance By Home Value

Chesterfield, MI Home Value Total Homes % of Total Average Chesterfield, MI Homeowners Insurance
Less than $50,000 1,127 8.0% $115
$50,000 to $59,999 236 1.0% $253
$60,000 to $69,999 141 1.0% $314
$70,000 to $79,999 465 3.0% $360
$80,000 to $89,999 457 3.0% $407
$90,000 to $99,999 629 4.0% $460
$100,000 to $124,999 1,315 10.0% $529
$125,000 to $149,999 1,440 10.0% $660
$150,000 to $174,999 2,861 21.0% $783
$175,000 to $199,999 1,611 12.0% $906
$200,000 to $249,999 1,753 13.0% $1090
$250,000 to $299,999 565 4.0% $1336
$300,000 to $399,999 525 4.0% $1697

Top Home Insurance Agents Near Chesterfield, MI

Home Insurance Company Near Chesterfield, MI Homeowners Insurance Agency Near Chesterfield, MI Address
State Farm Kathryn Schram 48875 Gratiot Ave, Chesterfield, MI, 48051-2616
NA C & C Underwriters 31300 Plymouth Road, Livonia, MI, 48150
NA Insurance Advisors Inc 525 N Main St 525 N Main St , Milford, MI, 48381
Allstate Craig Borowsky 13468 15 Mile Rd, Sterling Heights, MI, 48312
Allstate David Stevens 36560 Moravian Dr, Clinton Township, MI, 48035

Cost Of Homeowners Insurance By Street Near Chesterfield, MI

Streets in Chesterfield Area Homeowners Insurance Cost
Carriage Way Dr, Rutherford Cir, Francesca Ln, Altman Rd, Burlingame Ct, Caroline Emily Dr, Dowdy Ln, Lilac Ct, Teton Pl, Bunker Hill Blvd$729
Boland Rd, Prince Dr, Donner Rd, Salvatori Dr, Dock St, W Ridge Dr, Bay Run N, Kelly Lea Ln, Hubs Ln, Seaden Dr$757
Sierra Dr, Eleanor Ct, Woods Ct, Worthington Ln, Jim Dr, Burt Ct, Strauble Cir, Meldrum St, Cotton Creek Ct, E Pointe Ln$746
Bay Ct, Burgess Dr, Jasmine Ct, Burdon Rd, Shady Glen Dr, Shawn, N Jefferson Ave, Telstar St, Robin Dr, Continental Dr$768
Rose Marie Dr, Rachid Ln, Short Ct, Wright, Pendleton Rd, Rosebriar Dr, Bronx Ct, Oakcrest, Katie Rd, Emily Ln$754

Chesterfield, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chesterfield$114 to $117
New Haven$111
New Baltimore$116
Macomb County$112

Chesterfield, 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
New Haven village, Michigan $111 $148 $222
New Baltimore city, Michigan $116 $155 $233
Macomb County, Michigan $113 $150 $225

Chesterfield, 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
Chesterfield, MI4.1%12.0%
New Haven3.88%12.01%
New Baltimore3.81%12.13%
Macomb County4.32%12.63%

Chesterfield Renters Insurance as a Percentage of Rent

Chesterfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 45 1.0% $333
$300 to $499 62 2.0% $1233
$500 to $749 639 26.0% $1908
$750 to $999 808 33.0% $2658
$1,000 to $1,499 626 26.0% $3783
$1,500 or more 198 8.0% $5433

Chesterfield, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Chesterfield Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,700$6,100
Net Savings to Chesterfield Home Owner from High Deductible Plan $600

Chesterfield, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chesterfield, MI Home Replacement Value MORE than Home Value Chesterfield, MI Home Replacement Value LESS than Home Value
Replacement Value $186,000 $141,000
Insurance Premium based on Replacement Value $975 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,000 Risk Exposure from Under Insuring Coverage is $20,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $125/year

Example Chesterfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceLiberty Mutual
Monthly Premium 3276171
Year Built 200019862013
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $100000-$125000$175000-$200000$350000-$400000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 260,000 Composition Roof 2,580 5 $500 Deductible 760 9 Vinyl siding No
1980 270,000 Slate Shingles Roof 3,080 4 $1000-$2500 Deductible 590 7 Fiber-Cement Siding No
1986 200,000 Asphalt Shingles Roof 1,920 3 $500- $1000 Deductible 480 5 Brick siding yes
1989 285,000 Wood Shake Roof 3,120 4 $1000-$2500 Deductible 990 9 Stone Siding yes
1988 235,000 Metal Roof 2,150 4 $1000-$2500 Deductible 740 8 Stucco siding No
2007 345,000 Wood Shake Roof 3,210 5 > $10,000 Deductible 150 2 Fiber-Cement Siding No
1993 135,000 Slate Shingles Roof 1,500 3 $500- $1000 Deductible 320 5 Stucco siding yes
2005 280,000 Membrane Roof 2,920 4 $500- $1000 Deductible 310 4 Stone Siding No
1998 160,000 Metal Roof 1,840 3 $500- $1000 Deductible 570 8 Brick siding No
2003 160,000 Composition Roof 1,490 3 $5000 to $10,000 Deductible 410 7 Fiber-Cement Siding yes
1988 205,000 Membrane Roof 1,970 4 $5000 to $10,000 Deductible 90 2 Wood siding yes
1989 295,000 Membrane Roof 2,740 5 $500- $1000 Deductible 400 3 Fiber-Cement Siding No
1999 150,000 Wood Shake Roof 1,590 3 $500- $1000 Deductible 390 6 Wood siding yes
2002 290,000 Tile Roof 3,690 5 $1000-$2500 Deductible 730 9 Vinyl siding yes
2010 230,000 Composition Roof 2,320 4 $500- $1000 Deductible 300 3 Fiber-Cement Siding No
2012 185,000 Composition Roof 2,420 4 $5000 to $10,000 Deductible 60 1 Vinyl siding yes
2003 260,000 Asphalt Shingles Roof 2,600 5 $500- $1000 Deductible 310 3 Wood siding No
2012 270,000 Composition Roof 3,040 4 $2500-$5000 Deductible 170 2 Fiber-Cement Siding yes
1992 285,000 Tile Roof 2,930 4 > $10,000 Deductible 740 10 Stucco siding No
1998 190,000 Metal Roof 1,880 4 $500 Deductible 370 4 Brick siding No
1990 235,000 Shingles Roof 2,390 3 $1000-$2500 Deductible 450 6 Fiber-Cement Siding No
2000 160,000 Asphalt Shingles Roof 1,770 4 $500- $1000 Deductible 370 6 Fiber-Cement Siding yes
2004 180,000 Tile Roof 1,790 4 $2500-$5000 Deductible 370 9 Stucco siding No
2010 170,000 Membrane Roof 1,900 3 $500- $1000 Deductible 480 9 Vinyl siding yes
1997 315,000 Slate Shingles Roof 3,880 5 $5000 to $10,000 Deductible 1000 10 Stone Siding No
1999 275,000 Shingles Roof 3,030 4 $5000 to $10,000 Deductible 270 4 Brick siding yes
1989 220,000 Membrane Roof 2,450 5 $1000-$2500 Deductible 920 12 Vinyl siding No
1982 300,000 Metal Roof 3,160 4 $500 Deductible 1280 10 Fiber-Cement Siding yes
1995 210,000 Wood Shake Roof 1,940 3 $5000 to $10,000 Deductible 70 1 Fiber-Cement Siding yes
2013 315,000 Shingles Roof 3,370 5 $500 Deductible 770 6 Brick siding yes
2000 225,000 Asphalt Shingles Roof 2,000 3 $1000-$2500 Deductible 1160 12 Stucco siding No
2009 100,000 Membrane Roof 1,340 3 $500- $1000 Deductible 410 8 Wood siding No