Flat Rock Insurance Rates:

Flat Rock, MI homeowners insurance is approximately $623 to $854, about $51-$71/month. Our in depth analysis reveals consumers can save as much as $295 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Flat Rock, MI Homeowners Insurance By Home Value

Flat Rock, MI Home Value Total Homes % of Total Average Flat Rock, MI Homeowners Insurance
Less than $50,000 415 15.0% $162
$50,000 to $59,999 104 3.0% $347
$60,000 to $69,999 136 5.0% $428
$70,000 to $79,999 129 4.0% $495
$80,000 to $89,999 192 7.0% $561
$90,000 to $99,999 187 7.0% $628
$100,000 to $124,999 317 12.0% $724
$125,000 to $149,999 248 9.0% $908
$150,000 to $174,999 181 6.0% $1078
$175,000 to $199,999 287 10.0% $1241
$200,000 to $249,999 265 10.0% $1492
$250,000 to $299,999 141 5.0% $1825

Top Home Insurance Agents Near Flat Rock, MI

Home Insurance Company Near Flat Rock, MI Homeowners Insurance Agency Near Flat Rock, MI Address
NA Advasure Insurance Agency 6689 Orchard Lake Rd 6689 Orchard Lake Rd , West Bloomfield, MI, 48322
State Farm Chuck Tourangea 43656 Schoenherr Rd, Sterling Hts, MI, 48313-1115
State Farm Dalan Eubanks 31613 Gratiot Ave, Roseville, MI, 48066-4553
Travelers Diversified Insurance Service Llc 349 Rice St , Elmore, OH, 43416
Liberty Mutual Independent Goodman Venegas Ins Agy Inc 2800 Livernois 2800 Livernois, Troy, MI, 48083

Cost Of Homeowners Insurance By Street Near Flat Rock, MI

Streets in Flat Rock Area Homeowners Insurance Cost
Van Riper St, Hawthorne Blvd, Circle Ct, Wager St, Aspen Dr, Navaho Ave, Gateway Dr, Robin Ct, Alders Dr, Hiawatha Ln$728
Aztec Cir, Evergreen St, Maple View Ln, Belton, Meadow Ave, Franklin Cir, W Hawthorne Blvd, Valley Creek Dr, Evergreen St, Country View Ln$733
Celtic Dr, Palmetto Dr, Winslow Dr, Apache Blvd, Garden Blvd, Teton Ln, Riverside St, Bradbury Dr, Hudson Ln, Dakota Ln$729
Rose Dr, Romero Ave, Mohawk Dr, Matilda Ave, Frontier Cir, Clinton River Shore Rd, Field Ave, Cherry Blossom Ln, Glenview Ln, Ypsilanti St$733
Cherokee E, Gateway Blvd, Whitby, Boulder Dr, Croft Ave, Rockridge Ct, Ailanthus Dr, Brown St, Hunter Ct, Laramie Ln$730

Flat Rock, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Flat Rock$109 to $111
Brownstown charter$115
Rockwood$112
Gibraltar$111

Flat Rock, 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
Brownstown charter township, Wayne County, Michigan $115 $153 $230
Rockwood city, Michigan $113 $150 $225
South Rockwood village, Michigan $113 $150 $225

Flat Rock, 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
Flat Rock, MI4.3%11.8%
Brownstown charter3.7%12.05%
Rockwood4.14%11.13%
South Rockwood4.81%13.98%

Flat Rock Renters Insurance as a Percentage of Rent

Flat Rock Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 82 7.0% $352
$200 to $299 113 10.0% $802
$300 to $499 74 7.0% $1252
$500 to $749 333 32.0% $1927
$750 to $999 154 14.0% $2677
$1,000 to $1,499 274 26.0% $3802

Flat Rock, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Flat Rock Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $8,700$7,700
Net Savings to Flat Rock Home Owner from High Deductible Plan $1,000

Flat Rock, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Flat Rock, MI Home Replacement Value MORE than Home Value Flat Rock, MI Home Replacement Value LESS than Home Value
Replacement Value $135,000 $92,500
Insurance Premium based on Replacement Value $650 $450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $16,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Flat Rock Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmNationwide Insurance
Monthly Premium 2556148
Year Built 196719871994
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $75000-$100000$200000-$250000$300000-$350000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Flat Rock, 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 180,000 Composition Roof 2,020 3 $500- $1000 Deductible 590 10 Brick siding yes
2014 180,000 Slate Shingles Roof 2,250 5 $2500-$5000 Deductible 130 3 Wood siding yes
2004 365,000 Composition Roof 4,500 5 $2500-$5000 Deductible 930 9 Fiber-Cement Siding yes
1982 180,000 Membrane Roof 2,720 4 $500- $1000 Deductible 60 1 Brick siding No
2010 175,000 Slate Shingles Roof 2,030 3 $500- $1000 Deductible 340 4 Fiber-Cement Siding yes
1994 115,000 Membrane Roof 1,800 5 $1000-$2500 Deductible 220 5 Stucco siding yes
2008 180,000 Shingles Roof 2,880 4 $500- $1000 Deductible 240 3 Stucco siding yes
2002 195,000 Shingles Roof 2,260 3 $500 Deductible 90 1 Fiber-Cement Siding yes
1962 110,000 Composition Roof 1,350 3 $500- $1000 Deductible 430 9 Stucco siding yes
2007 190,000 Shingles Roof 2,260 5 $2500-$5000 Deductible 180 3 Brick siding yes
1961 205,000 Membrane Roof 3,060 5 $1000-$2500 Deductible 560 6 Wood siding No
1998 200,000 Asphalt Shingles Roof 2,370 3 $5000 to $10,000 Deductible 140 2 Fiber-Cement Siding No
2005 340,000 Composition Roof 4,310 5 $500- $1000 Deductible 890 6 Fiber-Cement Siding No
1965 140,000 Wood Shake Roof 2,080 3 $1000-$2500 Deductible 130 4 Stucco siding yes
1967 210,000 Slate Shingles Roof 2,770 4 $1000-$2500 Deductible 180 3 Stucco siding No
2007 130,000 Asphalt Shingles Roof 1,910 4 $1000-$2500 Deductible 90 2 Brick siding No
1990 130,000 Asphalt Shingles Roof 1,690 4 $500 Deductible 590 10 Brick siding yes
1998 145,000 Membrane Roof 1,700 4 $2500-$5000 Deductible 130 3 Wood siding No
2011 145,000 Tile Roof 1,830 5 $500- $1000 Deductible 410 9 Stone Siding No
1996 105,000 Asphalt Shingles Roof 1,690 3 $1000-$2500 Deductible 250 6 Vinyl siding No
2014 175,000 Metal Roof 2,130 3 $2500-$5000 Deductible 520 10 Wood siding yes
1994 145,000 Membrane Roof 2,360 5 $500 Deductible 570 9 Fiber-Cement Siding No
1982 95,000 Tile Roof 1,330 3 $500 Deductible 210 5 Stone Siding yes
2011 290,000 Slate Shingles Roof 3,580 5 $5000 to $10,000 Deductible 230 3 Stone Siding No
2009 215,000 Asphalt Shingles Roof 2,390 5 $500- $1000 Deductible 100 1 Fiber-Cement Siding No
2012 110,000 Slate Shingles Roof 1,290 3 $2500-$5000 Deductible 300 8 Stone Siding yes
2008 180,000 Slate Shingles Roof 2,030 3 $500 Deductible 710 12 Fiber-Cement Siding No
1999 400,000 Membrane Roof 4,550 5 $500- $1000 Deductible 860 8 Brick siding yes
1982 125,000 Composition Roof 1,580 5 $500 Deductible 470 12 Stone Siding yes
2014 155,000 Tile Roof 2,530 4 $500- $1000 Deductible 250 6 Vinyl siding yes
1960 330,000 Wood Shake Roof 3,900 5 $5000 to $10,000 Deductible 690 6 Stone Siding No
1991 205,000 Membrane Roof 3,130 5 $500- $1000 Deductible 470 6 Stucco siding yes