Flint ,MI Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Flint, MI homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Flint, MI is $1464. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Flint, MI. VHome Insurance will help you navigate the world of homeowners insurance coverages in Flint, MI.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $586 |
| $200,000 | $996 |
| $300,000 | $1,230 |
| $400,000 | $1,874 |
| $500,000 | $2,357 |
Home insurance costs in Flint can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 048507 | $1,415 |
| 48503 | $1,401 |
| 48505 | $1,373 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Flint, MI, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,501 |
| $1000 Deductible | $1,342 |
| $1500 Deductible | $1,266 |
| $2500 Deductible | $1,142 |
| $5000 Deductible | $966 |
| Home Insurance Company Near Flint, MI | Homeowners Insurance Agency Near Flint, MI | Address |
|---|---|---|
| Allstate | Ali Abdallah | 4211 W 13 Mile Rd, Royal Oak, MI, 48073 |
| Allstate | Bradley Valls | 1565 N Main St, Clawson, MI, 48017 |
| Allstate | Gary K. Bailey | 21800 Haggerty Rd Ste 206, Northville, MI, 48167 |
| Liberty Mutual Independent | Jacobs Ins Agcy Inc | 2021 E MAIN ST, OWOSSO, MI, 48867 |
| Nationwide | Tim Crawford Insurance Agency Inc | 1415 Walton Blvd., Rochester Hills, MI, 48309 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Genesee County, Michigan | $110 | $146 | $219 |
| Flint charter township, Genesee County, Michigan | $109 | $145 | $218 |
| Burton city, Michigan | $107 | $143 | $215 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Flint, MI | 6.4% | 15.2% |
| Genesee County | 4.85% | 13.45% |
| Flint charter | 4.83% | 13.48% |
| Burton | 5.19% | 15.21% |
| Flint Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 809 | 4.0% | $377 |
| $200 to $299 | 781 | 4.0% | $827 |
| $300 to $499 | 2,750 | 16.0% | $1277 |
| $500 to $749 | 6,449 | 38.0% | $1952 |
| $750 to $999 | 3,992 | 23.0% | $2702 |
| $1,000 to $1,499 | 1,847 | 10.0% | $3827 |
| $1,500 or more | 290 | 1.0% | $5477 |
| Streets in Flint Area | Homeowners Insurance Cost |
|---|---|
| Iroquois Ave, E 3rd Ave, Coggins Ave, Martin L King Blvd, Eastmont Dr, Bennett Ave, Russet Pl, Alabama Ave, Woodcroft Ave, Wabash Ave | $689 |
| Kennelworth Ave, Deena Dr, E Paterson St, Rangeley Dr, E 2nd St, Kearsley Park Blvd, Colby St, Burgess St, Massachusetts Ave, Ml King Ave | $699 |
| Overhill Dr, Walnut Creek Dr, Kent St, Eagle Ridge Ln, W Austin Ave, Victoria Ave, Gorey Ave, S Dexter St, Barney Ave, Swayze St | $695 |
| Trout Dr, Hillcroft Dr, Radcliffe Ave, Laurel Oak Dr, Remington Ave, Mann Ave, Wyoming Ave, Industrial Ave, Delaware Ave, Ralph St | $698 |
| W Thackery Ave, Cross Ct, Joel Ln, Buckham Aly, Williams St, Clement St, Lee St, Circle Dr, Brunswick Ave, Seminole St | $697 |
| Arthur St, McCree Dr, Crawford St, Horton Ave, Reid St, W Stewart Ave, Douglas Ave, Leslie Dr, University Park Dr, E Paterson St | $720 |
| E Witherbee St, E Moore St, E Lyndon Ave, Fairlane St, Herrick St, Markham St, Lakewood Dr, N Averill Ave, Theta Pass, Edmund St | $676 |
| McKeighan Ave, Damon St, Albert St, Loyola Dr, Parkside Dr, Paddington Ave, Stockton St, Lomita Ave, E Piper Ave, Woodbridge St | $705 |
| Alpha Way, Durand St, E Parkway Ave, W Fourth St, Nancy Dr, San Juan Dr, McPhail St, E York Ave, Pontiac St, Kellar Ave | $682 |
| Parkfront Dr, Mathews St, W Linsey Blvd, Basil Ln, Coventry Ct, Dana Ln, Chippewa St, Aubrey St, Rice Ct, Winona St | $692 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Flint | $104 to $107 |
| Genesee County | $109 |
| Burton | $107 |
| Beecher | $104 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $2,100 |
| Yearly Flint Homeowner Insurance Premium Example | $500 | $300 |
| Out of Pocket Expense During Claim | $1,100 | $2,100 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $5,100 | $4,500 |
| Net Savings to Flint Home Owner from High Deductible Plan | $600 | |
| Scenario | Flint, MI Home Replacement Value MORE than Home Value | Flint, MI Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $64,000 | $48,000 |
| Insurance Premium based on Replacement Value | $350 | $250 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $8,000 | Risk Exposure from Under Insuring Coverage is $8,000 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $50/year |
| Insurance Company | Amica Mutual Insurance Company | Allstate | Liberty Mutual |
| Monthly Premium | 23 | 55 | 25 |
| Year Built | 1985 | 1950 | 1944 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $75000-$100000 | $125000-$150000 | $75000-$100000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | $1000-$2500 Deductible |