Garden City Insurance Rates:

Garden City, MI homeowners insurance is roughly $617 to $838, about $51-$69/month. Our all inclusive analysis indicates shoppers can save as much as $290 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Foremost
They are a bit expensive. it is the most expensive insurance i have had on my home and is well over one hundred dollars a month.
State Farm
This company has very friendly agents. the agent that signed me up for a policy was very down to earth.
Liberty Mutual
The company has reached out to us multiple times about changing our policy to a more expensive one, which is not something we want to do.
Meemic Insurance
I like that I can pay my bills online through the website. I also like that I can apply for grants on the website as well.
State Farm
Farmer’s website is easy to navigate. It is not hard to search the website to find the information that you are looking for.
State Farm
I feel like it could truly be worse so there is no reason to complain. So far so good and I like it.
Geico
Customer service is fast and great, representatives usually answer the phone fast. There is also a support chat feature on the app which is even quicker.
State Farm
The premium costs too much compared to other companies. It's not worth the high price that I am paying every year. Other people are getting good deals but I'm getting so much of a not so good deal on premium.

Garden City, MI Homeowners Insurance By Home Value

Garden City, MI Home Value Total Homes % of Total Average Garden City, MI Homeowners Insurance
Less than $50,000 886 10.0% $189
$50,000 to $59,999 475 5.0% $407
$60,000 to $69,999 796 9.0% $501
$70,000 to $79,999 857 10.0% $581
$80,000 to $89,999 944 11.0% $661
$90,000 to $99,999 647 7.0% $734
$100,000 to $124,999 1,708 20.0% $850
$125,000 to $149,999 971 11.0% $1068
$150,000 to $174,999 726 8.0% $1257
$200,000 to $249,999 114 1.0% $1752
$250,000 to $299,999 91 1.0% $2137

Top Home Insurance Agents Near Garden City, MI

Home Insurance Company Near Garden City, MI Homeowners Insurance Agency Near Garden City, MI Address
NA Brad Hoffman Agency Incorporated 102 S Leroy, Fenton, MI, 48430
NA George B Ford Agency, Inc. 39500 High Pointe Blvd Ste 400, Novi, MI, 48375
NA House Of Insurance Agency, Inc. 5801 Telegraph Rd Side, Toledo, OH, 43612
Liberty Mutual Independent Ralph C Wilson Agency, Inc 26026 Telegraph Rd, Ste 100, Southfield, MI, 48033
State Farm Sam Pelligrino 25755 Goddard Rd, Taylor, MI, 48180-3974

Cost Of Homeowners Insurance By Street Near Garden City, MI

Streets in Garden City Area Homeowners Insurance Cost
Dillon Rd, N Leona Ave, Craig Ave, W Rose Ave, Windsor Ave, Douglas St, S Farmington Rd, Moeller Ave, Pierce Ave, Hennepin St$731
Moeller Ave, Sunset Dr, Marcello Dr, Donnelly St, Marco Dr, Radcliffe Ave, Kathryn Ave, Schuman St, Moeller St, Alvin Ct$739
Ralph St, Silvio St, Leona St, Craig Ave, Central Ct, Dawson St, Dawson St, Donnelly Ave, Brown St, Dawson Ave$736
Hennepin Ave, Windsor Ave, John Hauk Rd, Lespedeza Ave, Sharon Dr, Dillon Rd, Winter Dr, Rush St, Donnelly St, Leona Ave$731
Bridge Ave, Brown St, E Maplewood Ave, Brandt Ct, Shotka Rd, Greenwood St, Brown Ct, Huntleigh St, Kathryn St, Rush Ave$725

Garden City, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Garden City$108 to $111
Westland$109
Inkster$106
Wayne$108

Garden City, 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
Westland city, Michigan $92 $122 $183
Inkster city, Michigan $89 $118 $177
Dearborn Heights city, Michigan $91 $121 $182

Garden City, 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
Garden City, MI4.6%13.1%
Westland4.74%13.26%
Inkster5.25%12.73%
Dearborn Heights4.65%13.71%

Garden City Renters Insurance as a Percentage of Rent

Garden City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 65 3.0% $809
$300 to $499 102 5.0% $1259
$500 to $749 349 20.0% $1934
$750 to $999 353 20.0% $2684
$1,000 to $1,499 751 43.0% $3809
$1,500 or more 79 4.0% $5459

Garden City, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Garden City Homeowner Insurance Premium Example $1,300$1,100
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,600$11,000
Net Savings to Garden City Home Owner from High Deductible Plan $600

Garden City, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Garden City, MI Home Replacement Value MORE than Home Value Garden City, MI Home Replacement Value LESS than Home Value
Replacement Value $125,500 $92,000
Insurance Premium based on Replacement Value $750 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $14,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Garden City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateState Farm
Monthly Premium 524277
Year Built 195319681971
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$125000-$150000$175000-$200000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1963 130,000 Membrane Roof 2,140 4 $500- $1000 Deductible 90 2 Vinyl siding yes
1971 165,000 Slate Shingles Roof 2,970 5 $500- $1000 Deductible 490 7 Wood siding No
1978 275,000 Wood Shake Roof 3,400 4 $500 Deductible 1220 9 Stucco siding No
1960 155,000 Membrane Roof 2,040 3 $500- $1000 Deductible 60 1 Stone Siding yes
1954 225,000 Wood Shake Roof 3,560 5 $500- $1000 Deductible 480 7 Brick siding yes
1961 235,000 Wood Shake Roof 3,040 4 $1000-$2500 Deductible 80 1 Fiber-Cement Siding No
1967 115,000 Wood Shake Roof 1,630 4 $500 Deductible 360 7 Brick siding No
1960 175,000 Membrane Roof 2,910 5 $500- $1000 Deductible 230 4 Stucco siding No
1961 305,000 Asphalt Shingles Roof 3,890 5 > $10,000 Deductible 550 7 Stucco siding yes
1953 270,000 Wood Shake Roof 3,430 5 > $10,000 Deductible 540 8 Stucco siding yes
1979 175,000 Composition Roof 2,770 4 $500- $1000 Deductible 220 3 Stucco siding yes
1968 175,000 Wood Shake Roof 3,210 4 $500 Deductible 410 7 Wood siding No
1950 160,000 Slate Shingles Roof 2,200 3 $2500-$5000 Deductible 360 10 Brick siding yes
1958 145,000 Tile Roof 2,660 4 $2500-$5000 Deductible 330 7 Stucco siding yes
1977 105,000 Wood Shake Roof 1,410 3 $1000-$2500 Deductible 220 6 Stucco siding No
1959 135,000 Shingles Roof 2,300 4 $1000-$2500 Deductible 340 7 Stone Siding No
1970 150,000 Composition Roof 2,330 3 $500 Deductible 410 7 Stone Siding No
1968 175,000 Composition Roof 2,210 4 $500 Deductible 600 7 Brick siding yes
1958 260,000 Tile Roof 4,520 5 $1000-$2500 Deductible 70 1 Brick siding No
1958 115,000 Membrane Roof 1,440 3 $500 Deductible 170 3 Fiber-Cement Siding No
1974 205,000 Membrane Roof 2,850 5 $2500-$5000 Deductible 130 2 Wood siding No
1950 180,000 Slate Shingles Roof 3,070 4 $500- $1000 Deductible 530 7 Vinyl siding yes
1976 125,000 Slate Shingles Roof 2,240 4 $1000-$2500 Deductible 240 6 Wood siding No
1974 220,000 Metal Roof 2,790 5 > $10,000 Deductible 280 5 Vinyl siding yes
1966 205,000 Asphalt Shingles Roof 3,350 4 $500- $1000 Deductible 410 6 Wood siding No
1975 130,000 Composition Roof 2,250 3 $2500-$5000 Deductible 340 10 Vinyl siding yes
1978 105,000 Metal Roof 1,440 3 $2500-$5000 Deductible 280 9 Stucco siding No
1968 300,000 Membrane Roof 4,640 5 $2500-$5000 Deductible 360 3 Fiber-Cement Siding yes
1962 255,000 Slate Shingles Roof 4,360 5 $2500-$5000 Deductible 560 6 Brick siding yes
1966 125,000 Metal Roof 2,040 3 $500 Deductible 460 7 Fiber-Cement Siding No
1965 145,000 Tile Roof 2,110 3 $1000-$2500 Deductible 460 10 Stone Siding yes