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
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.
Southern Mutual Insurance Company
There was an occasion where we thought we had roof damage from a hail storm. i called into the customer service line to speak with a representative on this potential claim. it took a long time to get through the automated system and being on hold before i got through, and the representative was not very knowledgeable or very helpful. i was not impressed.
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.

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

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
Wyoming$110

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%
Wyoming5.11%14.76%

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
Deductible$1,700$2,700
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
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