Freeland Insurance Rates:

Freeland, MI homeowners insurance is about $649 to $885, about $54-$73/month. Our thorough analysis reveals consumers can save as much as $307 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Freeland, MI Homeowners Insurance By Home Value

Freeland, MI Home Value Total Homes % of Total Average Freeland, MI Homeowners Insurance
Less than $50,000 103 5.0% $115
$50,000 to $59,999 44 2.0% $253
$70,000 to $79,999 54 3.0% $360
$80,000 to $89,999 32 1.0% $407
$90,000 to $99,999 164 9.0% $460
$100,000 to $124,999 201 11.0% $529
$125,000 to $149,999 163 9.0% $668
$150,000 to $174,999 390 21.0% $783
$175,000 to $199,999 251 14.0% $906
$200,000 to $249,999 197 11.0% $1090
$250,000 to $299,999 109 6.0% $1336
$300,000 to $399,999 60 3.0% $1697

Top Home Insurance Agents Near Freeland, MI

Home Insurance Company Near Freeland, MI Homeowners Insurance Agency Near Freeland, MI Address
NA Goodall Insurance Agency 261 W Saginaw, Sanford, MI, 48657
Liberty Mutual Independent Mid-Michigan Insurance Agency Of Mt Pleasant 2060 E REMUS RD, MT PLEASANT, MI, 48858
State Farm Monte Wilder 118 South Elm St, Hemlock, MI, 48626
State Farm Steve Witt 4424 N Saginaw Rd, Midland, MI, 48640-2370
Allstate Steven Pake G3613 Miller Rd, Flint, MI, 48507

Freeland, 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
Tittabawassee township, Saginaw County, Michigan $96 $127 $191
Thomas township, Saginaw County, Michigan $94 $125 $188
Ingersoll township, Midland County, Michigan $94 $125 $187

Freeland, 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
Freeland, MI4.3%14.8%
Tittabawassee4.27%14.55%
Thomas4.77%13.28%
Ingersoll5.29%13.59%

Freeland Renters Insurance as a Percentage of Rent

Freeland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 16 4.0% $333
$300 to $499 18 5.0% $1233
$500 to $749 72 21.0% $1908
$750 to $999 152 46.0% $2658
$1,000 to $1,499 70 21.0% $3783

Freeland, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Freeland Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,200$7,600
Net Savings to Freeland Home Owner from High Deductible Plan $600

Freeland, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Freeland, MI Home Replacement Value MORE than Home Value Freeland, MI Home Replacement Value LESS than Home Value
Replacement Value $200,000 $137,000
Insurance Premium based on Replacement Value $850 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $17,000 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $75/year

Example Freeland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmAmica Mutual Insurance Company
Monthly Premium 766936
Year Built 201319771984
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$200000-$250000$150000-$175000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 135,000 Composition Roof 1,670 3 $2500-$5000 Deductible 360 8 Stone Siding No
1979 335,000 Membrane Roof 3,400 5 > $10,000 Deductible 360 5 Vinyl siding yes
1978 340,000 Metal Roof 3,520 5 $500 Deductible 350 3 Stone Siding No
1979 235,000 Shingles Roof 2,550 4 $1000-$2500 Deductible 690 9 Fiber-Cement Siding No
1987 165,000 Metal Roof 1,830 3 $5000 to $10,000 Deductible 250 6 Stucco siding No
1976 185,000 Membrane Roof 1,680 4 $2500-$5000 Deductible 700 12 Brick siding yes
1975 315,000 Wood Shake Roof 3,270 4 $500- $1000 Deductible 100 1 Fiber-Cement Siding yes
1986 255,000 Shingles Roof 2,440 5 $500 Deductible 610 5 Fiber-Cement Siding yes
1987 525,000 Asphalt Shingles Roof 4,710 5 > $10,000 Deductible 430 3 Vinyl siding yes
1981 160,000 Membrane Roof 1,640 4 $500 Deductible 530 9 Stucco siding yes
2013 295,000 Shingles Roof 3,150 4 $500- $1000 Deductible 910 9 Stucco siding yes
1978 220,000 Metal Roof 2,090 5 $2500-$5000 Deductible 320 6 Vinyl siding yes
2000 185,000 Asphalt Shingles Roof 2,100 3 $5000 to $10,000 Deductible 190 5 Stucco siding yes
1982 265,000 Metal Roof 3,050 4 $500 Deductible 950 8 Brick siding No
2011 195,000 Tile Roof 1,760 4 $500 Deductible 90 1 Stone Siding yes
1970 145,000 Tile Roof 1,880 3 $500 Deductible 790 12 Vinyl siding yes
1986 280,000 Membrane Roof 3,370 4 $2500-$5000 Deductible 340 5 Stone Siding No
1971 220,000 Composition Roof 2,030 3 $500- $1000 Deductible 310 3 Stucco siding No
2012 235,000 Shingles Roof 2,100 3 $500 Deductible 920 7 Stucco siding No
2006 165,000 Metal Roof 1,950 4 $1000-$2500 Deductible 140 2 Wood siding No
1978 130,000 Slate Shingles Roof 1,560 5 $500- $1000 Deductible 140 3 Stone Siding yes
2004 510,000 Metal Roof 4,800 5 $2500-$5000 Deductible 1360 7 Wood siding yes
2012 315,000 Wood Shake Roof 3,770 5 $5000 to $10,000 Deductible 590 9 Brick siding No
2003 185,000 Slate Shingles Roof 2,200 3 $500- $1000 Deductible 210 3 Stucco siding No
2009 335,000 Shingles Roof 3,810 5 $500- $1000 Deductible 1030 6 Stucco siding yes
1981 140,000 Membrane Roof 1,370 3 $2500-$5000 Deductible 340 7 Vinyl siding No
1981 325,000 Tile Roof 3,150 4 $500 Deductible 1280 12 Wood siding yes
2013 215,000 Metal Roof 1,890 4 $500 Deductible 640 7 Fiber-Cement Siding yes
1987 180,000 Wood Shake Roof 1,850 3 $500 Deductible 100 1 Fiber-Cement Siding No
2012 475,000 Slate Shingles Roof 4,390 5 $2500-$5000 Deductible 190 1 Vinyl siding No
2003 265,000 Tile Roof 2,410 5 $1000-$2500 Deductible 80 1 Fiber-Cement Siding No
2008 285,000 Membrane Roof 3,380 4 $500- $1000 Deductible 760 6 Stone Siding No
2002 320,000 Slate Shingles Roof 3,240 5 $2500-$5000 Deductible 380 6 Wood siding yes
1988 205,000 Metal Roof 2,400 3 $2500-$5000 Deductible 80 1 Wood siding No