Grand Rapids Insurance Rates:

Grand Rapids, MI homeowners insurance is nearly $629 to $851, about $52-$70/month. Our thorough guide indicates shoppers can save upto $296 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would recommend State Farm to my friends. I would state that the premiums would be more expensive but they are reliable.
State Farm
They offer pretty much anything any other insurance company would provide, plus ease of sign up and competitive policies in terms of price.
I would recommend Allstate because they are helpful, I think that the price is fair. Whenever I have had questions or if we need a change they have been extremely helpful.
My insurance company gives a good service. I am paying the less premium. I am extremely satisfied with the customer service.I will give rating as '1'...
The Hartford
They have excellent communication and always are there when we need them. We had hail damage recently due to a very large thunderstorm. They fixed our roof with out any issues at all.
I have been using Allstate for over 20 years. Their rates are always competitive and their service excellent.
Auto Owners
The one claim we have made was handled quickly and easily. they were quick to approve funds for a new roof.
My experience with home insurance company's service are good. Never really had any complaints.
State Farm
I would recommend State Farm home insurance. They offer competitive rates and claims are easy to file. I have been completely satisfied with their service.
I will recommend to any one willing to adhere to their terms and conditions as they are very welcoming and easy to manage.general satisfaction is worthy it.
State Farm
State farm is slightly more costly than other insurance companies but i feel i am getting a great service and tailored experience to fit my needs.
State Farm
My insurance company has offices in my community. the community locations allow me to make face-to-face contact with my agent. i can also visit the office to make payments on my accounts or to have questions addressed.
As with most insurance companies, foremost also yearly raises their premiums, even when no claims have been made in a given year.
State Farm
Like I said before the company reached out to us when hurricane Irma occurred, we did not have to wait for them.
Farmer's Insurance
The premium increase is my only issue, I did some checking and it seemed to be similar across the board for the major insurance companies, and I refuse to skip on service to save a buck, so I chose to stay with them.
State Farm
This is hard for me because I don't really have any dislikes. If there was one thing that I might think could be improved, I would have to say the mobile application, but that's not enough to dislike this company.
I've only had communication with them two times. The first time to set up my policy, which was okay. The second was to file a claim, which was good. Other than that, I have had no communication with them except to online pay them every month.
Grange Insurance
Grange is good if you have bad credit but once I get my credit score up some more I really plan on getting rid of them since the amounts are so high
Foremost Insurance
When I purchased the home I did not get insurance or the next day at a covered me and I'm very grateful for that I've had an overall good experience with them I like their rates and their coverage I would say 1 completely satisfied
I like that the website for my homeowner's insurance is connected to my auto insurance page (Progressive) but I do not like that documents and other information are not easily accessible and must be requested instead of ready to view.
State Farm
You can get home insurance through them but after that, you don't talk to them anymore unless you don't understand something and by the time you're done talking to them they have you more not understanding
I really like the ease of access that the website gives you. It is very easy to use and I can figure out what I need.
Liberty Mutual
I have rarely used my insurance for 20 years, so there really is not much to like. they collect my premium and that is about it.
I really do not have any major complaints about the company. It could have better information pamphlets but that is about it.
I would totally recommend geico. They have saved us 100's on our home insurance for the year. They are easy to work with and very helpful.
Geico has excellent customer service.They always answer the phone, never have to leave a message.I you need something they get it to you right away.
Wolverine Mutual Insurance
I hate promotional emails and I don't like that everything costs so much money. Those are really the only complaints that I have.
I love this company. I have been a customer for many many years and I cannot find anyone else that beats the rates along with the customer service that you receive. When you call them it's like talking to a good friend. That is what I call service.
State Farm
they are fine. it's something you don't really think about until something happens. and I think they are comparable to other insurance companies for the service level and cost
I really like the fact that MetLife offers the company I work for a discount for being employees. I also like how my insurance is deducted from my paycheck without me having to think about it at all. They have great customer service and agents have been great in answering my questions. They also have a great and easy to use website.

Grand Rapids, MI Homeowners Insurance By Home Value

Grand Rapids, MI Home Value Total Homes % of Total Average Grand Rapids, MI Homeowners Insurance
Less than $50,000 3,411 8.0% $155
$50,000 to $59,999 1,307 3.0% $340
$60,000 to $69,999 2,012 4.0% $421
$70,000 to $79,999 2,598 6.0% $481
$80,000 to $89,999 3,259 7.0% $547
$90,000 to $99,999 2,951 7.0% $614
$100,000 to $124,999 9,112 22.0% $710
$125,000 to $149,999 6,878 16.0% $888
$150,000 to $174,999 3,642 8.0% $1050
$175,000 to $199,999 2,084 5.0% $1213
$200,000 to $249,999 1,956 4.0% $1457
$250,000 to $299,999 952 2.0% $1783
$300,000 to $399,999 640 1.0% $2271

Top Home Insurance Agents Near Grand Rapids, MI

Home Insurance Company Near Grand Rapids, MI Homeowners Insurance Agency Near Grand Rapids, MI Address
Travelers Carr Agency Inc 115 W MAIN ST, IONIA, MI, 48846
Allstate Darryl Rauhoff 5050 Gull Rd, Kalamazoo, MI, 49048
State Farm Kelly Schmidtke 4211 Clyde Park Ave SW, Wyoming, MI, 49509-5474
State Farm Ken Visser 9505 Cherry Vly Ave SE, Caledonia, MI, 49316-9524
Allstate Roger Vroegindewey 4300 Plainfield Ave NE Ste C, Grand Rapids, MI, 49525

Grand Rapids, MI Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Grand Rapids, MI

Streets in Grand Rapids Area Homeowners Insurance Cost
Campau NW, Emerson Ave NW, Crescent Dr NE, Cambridge St SE, Ridgeway Rd SE, Riverview Ave NE, Benson Ave NE, Nixon Ave NW, Belknap Ave NE, Whitmore Ave NW$739
Casimer Ave NE, Ramona St SE, Aleda Ave SE, Thelma Ave SE, Lakeside Dr SE, Embassy Dr SE, Corinne St SW, Pheasant Ave NW, Donnybrook Ct NE, Summer Ave NW$725
Ashland Ave NE, Danbury Dr SE, Buckley St SW, Royal Point Dr NW, Belmar Dr SE, Northwood St NE, Oakdale St SE, Holland Ave NE, Aberdeen St NE, Gerald Ave NE$742
Oak Park Dr SE, Courtyard Pl SE, Skyline Cir NW, Stanwood St NW, Hollis Dr NE, Congress Ave SE, Winchester Pl NE, Evernia Ave SE, Calkins Ave SE, Rolling Hills Dr SE$757
Dunlin Ct NE, Cranbrook Dr NE, Brook Hollow Pl SE, Bartlett St SW, Cloverleaf Dr SE, Robinson Rd SE, Bradford Farms Ln NE, Greenings St NE, Old Grand River Trl NE, Race St NE$835
Martin Ave SE, Haines Ave NW, Myrtle St NW, Van Portfliet Dr NW, Red Bud Cir NW, Blackberry Ct, Maplegrove Dr NW, Winesap Ct NE, Timothy St SE, Mc Reynolds Ave NW$753
Bransford St, Dean Lake Ave NE, Bradford Ct NE, Mount Vernon Ave SW, Moreland Ct NW, Stewart St SW, Spanish Ct SE, Ottillia St SE, Newberg Ave NW, Rurah Ave NE$730
Otsego Dr SE, Simmons Ave NE, Cavalcade Dr SE, Ken-O-Par St SE, Butler Ave SE, Forest Hill Ave SE, Pearl St NW, Crescent St NE, Riva Ridge Dr SE, Grandville Ave SW$780
Martindale Ave SW, Virginia St SE, Antebellum Ct NW, Scott Ave NW, Sterling Ave NW, Monique Dr NE, N Blodgett Aly SE, Foot Hills Ct NE, Gabrielle Ct NE, Avalon Ter SE$762
Wendler Ave SW, Meadowfield Dr NE, Walker Pl NW, Meadow Dale Dr NW, Coach Ln SE, Briar Hills Dr NE, Appleton Ct NE, Woodcrest Dr NW, Wellington Ave SE, Ridgecrest Rd SE$742

Grand Rapids, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Grand Rapids$110 to $113
East Grand Rapids$123
Grand Rapids charter$120

Grand Rapids, 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
East Grand Rapids city, Michigan $123 $164 $246
Grand Rapids charter township, Kent County, Michigan $120 $160 $240
Wyoming city, Michigan $110 $147 $221

Grand Rapids, 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
Grand Rapids, MI5.3%14.7%
East Grand Rapids3.61%9.94%
Grand Rapids charter3.75%11.82%

Grand Rapids Renters Insurance as a Percentage of Rent

Grand Rapids Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 687 2.0% $351
$200 to $299 1,425 4.0% $801
$300 to $499 2,491 8.0% $1251
$500 to $749 10,839 35.0% $1926
$750 to $999 8,057 26.0% $2676
$1,000 to $1,499 6,084 19.0% $3801
$1,500 or more 1,146 3.0% $5451

Grand Rapids, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Grand Rapids Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,100$7,500
Net Savings to Grand Rapids Home Owner from High Deductible Plan $600

Grand Rapids, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Grand Rapids, MI Home Replacement Value MORE than Home Value Grand Rapids, MI Home Replacement Value LESS than Home Value
Replacement Value $296,000 $193,500
Insurance Premium based on Replacement Value $1,450 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,000 Risk Exposure from Under Insuring Coverage is $68,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $175/year

Example Grand Rapids Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmChubb Group of Insurance
Monthly Premium 274335
Year Built 196319711948
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $75000-$100000$100000-$125000$100000-$125000
Deductible $1000-$2500 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1966 100,000 Asphalt Shingles Roof 1,450 2 $500- $1000 Deductible 330 7 Brick siding No
1978 360,000 Membrane Roof 4,210 5 $500 Deductible 740 4 Fiber-Cement Siding yes
1969 260,000 Asphalt Shingles Roof 2,940 5 $1000-$2500 Deductible 110 1 Stone Siding yes
1976 275,000 Composition Roof 3,120 5 $500 Deductible 560 6 Fiber-Cement Siding yes
1969 150,000 Composition Roof 1,900 3 $500 Deductible 60 1 Stucco siding No
1945 185,000 Tile Roof 2,530 4 $1000-$2500 Deductible 240 4 Wood siding yes
1941 425,000 Wood Shake Roof 4,800 5 $2500-$5000 Deductible 1410 9 Stucco siding yes
1973 150,000 Tile Roof 1,930 5 $500- $1000 Deductible 590 10 Fiber-Cement Siding yes
1974 105,000 Shingles Roof 1,510 2 $2500-$5000 Deductible 180 7 Stone Siding No
1961 315,000 Wood Shake Roof 3,600 5 $1000-$2500 Deductible 580 5 Stone Siding yes
1975 155,000 Membrane Roof 2,320 3 $500- $1000 Deductible 580 8 Vinyl siding No
1964 355,000 Membrane Roof 4,110 5 $1000-$2500 Deductible 1060 6 Stucco siding No
1949 175,000 Shingles Roof 1,960 4 $2500-$5000 Deductible 210 5 Stucco siding No
1964 145,000 Asphalt Shingles Roof 1,830 3 $2500-$5000 Deductible 190 6 Vinyl siding yes
1978 65,000 Metal Roof 1,050 2 $500 Deductible 160 6 Vinyl siding No
1968 90,000 Slate Shingles Roof 1,460 3 $2500-$5000 Deductible 160 6 Stone Siding No
1971 135,000 Wood Shake Roof 1,590 2 $1000-$2500 Deductible 500 9 Wood siding yes
1977 155,000 Asphalt Shingles Roof 1,770 4 $1000-$2500 Deductible 360 7 Brick siding No
1966 135,000 Slate Shingles Roof 1,930 5 $500- $1000 Deductible 110 3 Wood siding yes
1942 140,000 Metal Roof 2,000 3 $2500-$5000 Deductible 480 9 Vinyl siding yes
1946 125,000 Slate Shingles Roof 1,980 3 $2500-$5000 Deductible 90 3 Stone Siding No
1971 205,000 Wood Shake Roof 2,280 4 $500- $1000 Deductible 360 7 Brick siding yes
1941 120,000 Membrane Roof 1,430 2 $500- $1000 Deductible 280 6 Fiber-Cement Siding No
1968 95,000 Shingles Roof 1,240 3 $500- $1000 Deductible 350 10 Stone Siding yes
1940 135,000 Wood Shake Roof 1,530 3 $500- $1000 Deductible 140 4 Wood siding yes
1947 345,000 Metal Roof 4,000 5 $500- $1000 Deductible 470 5 Brick siding yes
1976 185,000 Tile Roof 2,400 5 $2500-$5000 Deductible 340 5 Stucco siding yes
1967 60,000 Slate Shingles Roof 940 2 $500 Deductible 100 7 Vinyl siding No
1964 160,000 Metal Roof 2,040 3 $2500-$5000 Deductible 330 9 Brick siding yes
1946 80,000 Membrane Roof 940 2 $1000-$2500 Deductible 260 12 Stone Siding No
1957 140,000 Slate Shingles Roof 1,570 2 > $10,000 Deductible 210 2 Brick siding yes

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