Dearborn Heights Insurance Rates:

Dearborn Heights, MI homeowners insurance is about $618 to $839, about $51-$69/month. Our extensive guide indicates shoppers can save upto $291 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Auto Owners
I dislike the small charges and coverage that seems like just an add-on. I don't like small print items that I notice after the fact.
Farmer's Insurance
The coverage is about the same when I compared to other companies some premium is a dollar two either way
Liberty Mutual
Very satisfied. Our insurance company communicates every change and does so well in advance before it affects us. We get calls during our renewal point every year and go over all of the changes and see if we qualify for more discounts. The communication is always there, with no miscommunications, and it is always prompt.
State Farm
The customer service I get has always been great. My insurance agent always answers his phone and answers any questions I have and even offers suggestions to help fix any problems. He's really a great guy that helps out whenever he can.
State Farm
They call me up once a year to make sure that i have the coverage that i need and they make recommendations based on my current coverage if they feel that i might need a little more or if there have been policy changes or possibly clauses that have been removed. i also really like that i can just call up my local office if i need to make a claim. i don't need to call a call center and get transferred around or have to press one for this or press two for that. we also get discounts on our other insurance policies because we have them all in the same place, home and auto
State Farm
I have top quality coverage. whenever i rent a uhaul, i am fully covered. whenever i rent a car, i'm fully covered. if something happens, i am fully covered.
Foremost
They are one of the only insurance companies that make it easy to ensure a manufactured home. we were denied coverage a lot before we found them.

Dearborn Heights, MI Homeowners Insurance By Home Value

Dearborn Heights, MI Home Value Total Homes % of Total Average Dearborn Heights, MI Homeowners Insurance
Less than $50,000 2,041 12.0% $182
$50,000 to $59,999 977 6.0% $393
$60,000 to $69,999 1,367 8.0% $488
$70,000 to $79,999 1,165 7.0% $561
$80,000 to $89,999 1,750 11.0% $641
$90,000 to $99,999 1,219 7.0% $714
$100,000 to $124,999 2,216 13.0% $831
$125,000 to $149,999 1,796 11.0% $1035
$150,000 to $174,999 1,535 9.0% $1224
$175,000 to $199,999 544 3.0% $1414
$200,000 to $249,999 533 3.0% $1705
$250,000 to $299,999 430 2.0% $2084
$300,000 to $399,999 271 1.0% $2646

Top Home Insurance Agents Near Dearborn Heights, MI

Home Insurance Company Near Dearborn Heights, MI Homeowners Insurance Agency Near Dearborn Heights, MI Address
State Farm Barbara Merten-Dubensky Cpcu 2028 Hazel St, Birmingham, MI, 48009
Allstate Craig Borowsky 13468 15 Mile Rd, Sterling Heights, MI, 48312
Farmers James Pelham 2500 Occidental Hwy, Adrian, MI, 49221
Allstate Terri Megge 35409 Jefferson Ave, Harrison Township, MI, 48045
State Farm Tom Huard 5750 24 Mile Road, Shelby Township, MI, 48316-3206

Cost Of Homeowners Insurance By Street Near Dearborn Heights, MI

Streets in Dearborn Heights Area Homeowners Insurance Cost
Riverdale St, W Pleasant Ridge, Heather Ln, Wellington Dr, Sawyer Ave, Carolee Ln, Appleton, Cronin Dr, S John Daly Rd, Cecile St$732
N Brookside Dr, Michele St, Fairview Dr, Hillside Dr, Northmore St, Rouge Ct, Hass St, Salem Ln, Edinborough St, Croissant St$733
Hickorywood Dr, N Bankle Ct, Rosemary Ct, Lucerne St, Van Born Ct, Hopkins St, Tennant St, Elon Dr, Figueroa St, Yorkshire Blvd$741
Linden Dr, Kingswood Dr, Keith St, Woodshire St, Elizabeth, Whitefield Ct, Valley St, Terry Dr E, Central Park Dr, N Vernon St$746
Americana Blvd, Sexton St, Campus Dr, Bayham St, N Brookside Ct, N Highland Ave, Winston Ln, Kingston St, Ardmore Park St, Military Rd$745

Dearborn Heights, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Dearborn Heights$109 to $111
Garden City$109
Inkster$106
Redford charter$108

Dearborn Heights, 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
Garden City city, Michigan $91 $121 $181
Inkster city, Michigan $89 $118 $177
Wayne County, Michigan $91 $121 $182

Dearborn Heights, 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
Dearborn Heights, MI4.7%13.7%
Garden City4.62%13.11%
Inkster5.25%12.73%
Wayne County4.44%12.44%

Dearborn Heights Renters Insurance as a Percentage of Rent

Dearborn Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 83 1.0% $808
$300 to $499 125 2.0% $1258
$500 to $749 577 12.0% $1933
$750 to $999 1,492 33.0% $2683
$1,000 to $1,499 1,741 38.0% $3808
$1,500 or more 435 9.0% $5458

Dearborn Heights, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Dearborn Heights Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,500$9,900
Net Savings to Dearborn Heights Home Owner from High Deductible Plan $600

Dearborn Heights, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Dearborn Heights, MI Home Replacement Value MORE than Home Value Dearborn Heights, MI Home Replacement Value LESS than Home Value
Replacement Value $111,500 $81,000
Insurance Premium based on Replacement Value $550 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,000 Risk Exposure from Under Insuring Coverage is $18,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $50/year

Example Dearborn Heights Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmChubb Group of InsuranceFarmers Insurance
Monthly Premium 473890
Year Built 195219611976
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$100000-$125000$200000-$250000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1962 175,000 Shingles Roof 2,820 4 $500- $1000 Deductible 240 4 Wood siding No
1950 140,000 Slate Shingles Roof 1,860 4 $500 Deductible 320 6 Brick siding No
1978 205,000 Asphalt Shingles Roof 3,370 5 $500 Deductible 80 1 Brick siding yes
1979 160,000 Tile Roof 1,920 3 $1000-$2500 Deductible 520 9 Stone Siding No
1960 205,000 Membrane Roof 3,310 5 $1000-$2500 Deductible 980 12 Vinyl siding yes
1968 140,000 Tile Roof 1,920 3 $500- $1000 Deductible 560 8 Stone Siding No
1963 95,000 Metal Roof 1,630 4 $2500-$5000 Deductible 200 6 Stone Siding yes
1962 210,000 Slate Shingles Roof 2,930 4 $1000-$2500 Deductible 140 3 Vinyl siding No
1960 130,000 Metal Roof 1,940 4 $500 Deductible 190 4 Wood siding No
1967 125,000 Asphalt Shingles Roof 1,830 3 $500 Deductible 200 3 Fiber-Cement Siding No
1967 220,000 Metal Roof 2,880 4 $1000-$2500 Deductible 170 3 Wood siding No
1950 145,000 Metal Roof 2,470 4 $500 Deductible 450 10 Stucco siding No
1977 160,000 Wood Shake Roof 2,060 4 $500 Deductible 80 1 Wood siding No
1977 220,000 Shingles Roof 2,920 4 $500 Deductible 140 2 Brick siding yes
1962 270,000 Shingles Roof 3,310 4 $1000-$2500 Deductible 210 2 Stucco siding yes
1965 110,000 Wood Shake Roof 1,580 3 $500 Deductible 200 4 Vinyl siding No
1976 245,000 Membrane Roof 3,570 5 $2500-$5000 Deductible 230 3 Fiber-Cement Siding No
1960 95,000 Metal Roof 1,460 3 $500- $1000 Deductible 80 2 Stucco siding yes
1964 100,000 Membrane Roof 1,710 3 $500 Deductible 340 8 Wood siding No
1966 115,000 Composition Roof 1,910 5 $500 Deductible 110 3 Fiber-Cement Siding yes
1954 155,000 Asphalt Shingles Roof 1,930 4 $2500-$5000 Deductible 570 10 Fiber-Cement Siding No
1963 105,000 Slate Shingles Roof 1,800 4 $1000-$2500 Deductible 80 2 Stone Siding No
1976 115,000 Composition Roof 1,750 3 $500- $1000 Deductible 90 2 Vinyl siding No
1952 135,000 Metal Roof 1,660 4 $2500-$5000 Deductible 280 7 Stone Siding No