Coldwater Insurance Rates:

Coldwater, MI homeowners insurance is approximately $611 to $831, about $50-$69/month. Our exhaustive research indicates shoppers can save upto $288 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Coldwater, MI Homeowners Insurance By Home Value

Coldwater, MI Home Value Total Homes % of Total Average Coldwater, MI Homeowners Insurance
Less than $50,000 487 20.0% $209
$50,000 to $59,999 158 6.0% $447
$60,000 to $69,999 135 5.0% $555
$70,000 to $79,999 349 14.0% $641
$80,000 to $89,999 241 9.0% $728
$90,000 to $99,999 149 6.0% $814
$100,000 to $124,999 304 12.0% $944
$125,000 to $149,999 202 8.0% $1182
$150,000 to $174,999 85 3.0% $1391
$175,000 to $199,999 65 2.0% $1607
$200,000 to $249,999 215 8.0% $1939

Top Home Insurance Agents Near Coldwater, MI

Home Insurance Company Near Coldwater, MI Homeowners Insurance Agency Near Coldwater, MI Address
NA Sanders Insurance Agency 235 N Main St, Reading, MI, 49274
Nationwide Ds Johnson & Associates Inc 1149 Sand Creek Hwy STE B, Adrian, MI, 49221-1288
State Farm Jeff Kiessling 676 Capital Ave SW, Battle Creek, MI, 49015-5030
Allstate Jinks Clary 20 Division St Ste A, Coldwater, MI, 49036
Farmers Tony Pruitt 129 S Main St, Brooklyn, MI, 49230

Cost Of Homeowners Insurance By Street Near Coldwater, MI

Streets in Coldwater Area Homeowners Insurance Cost
Bishop Ave, Dubendorf Rd, Cecil Dr, Gruner Rd, S Monroe St, Hillcrest Dr, Barnhart Rd W, Tobalske Rd, Leonard Dr, Whispering Pines Dr$745
Liberty St, Braucker Rd, Penn Dr, Bullock Rd, W Girard Rd, E State St, Robinson Rd, Western Ave, Heritage Ct, River Rd$748
Angler Ave, Moravetz Ln, Almary Dr, Red Tail Dr, N Angola Rd, Everitt Dr, Shelby Dr, 1st St, Church St, Fairfield Dr$763
S Hawley Dr, Doves Lndg, S Wood Rd, Industrial Ave, S Clay St, Grand St, W Montgomery St, Perkins St, Bishop Ave, North Ave$721
E State St, Squires Rd, Furlong Dr, State Rd, I- 69, Victoria Dr, Peacock Dr, Douglas Ave, W Washington St, Narrows Rd$757

Coldwater, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Coldwater$107 to $110
Branch County$110
Quincy$109
Girard$112

Coldwater, 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
Branch County, Michigan $110 $146 $219
Quincy township, Branch County, Michigan $110 $146 $219
Batavia township, Branch County, Michigan $110 $146 $219

Coldwater, 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
Coldwater, MI6.3%13.9%
Branch County5.7%15.85%
Quincy6.25%17.33%
Batavia5.57%17.26%

Coldwater Renters Insurance as a Percentage of Rent

Coldwater Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 15 1.0% $363
$200 to $299 64 4.0% $813
$300 to $499 238 17.0% $1263
$500 to $749 624 44.0% $1938
$750 to $999 296 21.0% $2688
$1,000 to $1,499 151 10.0% $3813

Coldwater, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Coldwater Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,700$5,100
Net Savings to Coldwater Home Owner from High Deductible Plan $600

Coldwater, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Coldwater, MI Home Replacement Value MORE than Home Value Coldwater, MI Home Replacement Value LESS than Home Value
Replacement Value $90,000 $61,000
Insurance Premium based on Replacement Value $450 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,500 Risk Exposure from Under Insuring Coverage is $10,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $100/year

Example Coldwater Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceState Farm
Monthly Premium 517449
Year Built 200819431981
Home Details 2 Beds, 1 Baths5 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $100000-$125000$250000-$300000$125000-$150000
Deductible $500 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 190,000 Composition Roof 3,100 4 $2500-$5000 Deductible 620 8 Stucco siding No
1977 115,000 Slate Shingles Roof 1,790 2 $1000-$2500 Deductible 100 2 Stucco siding yes
2000 130,000 Tile Roof 1,940 5 $500- $1000 Deductible 410 10 Stucco siding yes
1987 180,000 Composition Roof 2,830 4 $2500-$5000 Deductible 380 6 Wood siding yes
1973 90,000 Slate Shingles Roof 1,360 2 $2500-$5000 Deductible 370 12 Brick siding No
1944 110,000 Tile Roof 1,730 3 $1000-$2500 Deductible 210 5 Stone Siding No
1947 135,000 Metal Roof 2,270 3 $2500-$5000 Deductible 380 8 Stone Siding yes
1943 130,000 Membrane Roof 2,580 4 $2500-$5000 Deductible 200 4 Brick siding No
1985 135,000 Tile Roof 2,230 3 $1000-$2500 Deductible 520 12 Vinyl siding No
2001 170,000 Membrane Roof 2,950 5 $2500-$5000 Deductible 460 9 Brick siding yes
2005 195,000 Membrane Roof 2,570 4 $500 Deductible 280 4 Stone Siding yes
1976 165,000 Membrane Roof 3,140 4 $500- $1000 Deductible 100 2 Wood siding No
2005 175,000 Slate Shingles Roof 3,330 4 $500 Deductible 710 12 Wood siding yes
1973 250,000 Asphalt Shingles Roof 4,350 5 $2500-$5000 Deductible 490 5 Fiber-Cement Siding yes
1941 100,000 Shingles Roof 1,300 2 $500- $1000 Deductible 240 6 Stucco siding No
2007 120,000 Slate Shingles Roof 2,370 5 $1000-$2500 Deductible 290 7 Fiber-Cement Siding No
1949 135,000 Slate Shingles Roof 1,920 3 $500- $1000 Deductible 150 3 Fiber-Cement Siding No
2002 95,000 Shingles Roof 1,650 3 $2500-$5000 Deductible 220 7 Brick siding No
1978 95,000 Composition Roof 1,780 2 $2500-$5000 Deductible 70 3 Wood siding No
2002 145,000 Tile Roof 2,290 5 $1000-$2500 Deductible 220 7 Wood siding No
1986 105,000 Wood Shake Roof 1,600 2 $2500-$5000 Deductible 170 5 Brick siding No
1970 130,000 Membrane Roof 1,800 3 $500- $1000 Deductible 230 4 Brick siding yes
1973 70,000 Membrane Roof 1,320 3 $1000-$2500 Deductible 220 9 Stone Siding yes
1985 205,000 Slate Shingles Roof 3,140 5 $500- $1000 Deductible 960 10 Brick siding yes
1947 110,000 Asphalt Shingles Roof 1,930 3 $2500-$5000 Deductible 70 3 Stucco siding No
2006 80,000 Composition Roof 1,500 3 $500- $1000 Deductible 140 4 Wood siding yes
2005 160,000 Metal Roof 2,230 5 $2500-$5000 Deductible 190 4 Vinyl siding No
1946 105,000 Asphalt Shingles Roof 1,760 4 $2500-$5000 Deductible 300 8 Fiber-Cement Siding No
1944 100,000 Tile Roof 1,810 3 $2500-$5000 Deductible 310 12 Vinyl siding No
2008 240,000 Slate Shingles Roof 3,270 5 $2500-$5000 Deductible 780 10 Stone Siding No
1973 125,000 Membrane Roof 1,640 2 $500 Deductible 370 9 Fiber-Cement Siding yes
1942 145,000 Tile Roof 2,260 4 $2500-$5000 Deductible 700 12 Brick siding yes