Grand Rapids, MI Home Insurance - Analysis On Quotes, Rates & Agents

Grand Rapids, MI Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Grand Rapids, MI. The average cost of insurance in Grand Rapids, MI is $755. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Grand Rapids, MI

National Average Premium State Average Premium Grand Rapids Average Premium
$1,438 $775 $755

Top Home Insurance Companies in Grand Rapids, MI | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Grand Rapids, MI.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Safeco $818 $982 $1,277 $1,762
Aaa $1,049 $1,259 $1,637 $2,259
Allstate $1,233 $1,479 $1,923 $2,654
Automobile Club $942 $1,130 $1,469 $2,028

Grand Rapids, MI Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 612.88
$150,000 To $174,999 806.96
$175,000 To $199,999 1,090.14
$200,000 To $249,999 1,300.56
$250,000 To $299,999 1,742.39
$300,000 To $399,999 2,463.92
$400,000 To $499,999 3,109.44
$500,000 To $749,999 3,980.08
$750,000 To $999,999 4,601.97
$1000,000 To $1499,999 5,068.39
$1500,000 To $2000,000 5,441.52

Visual Guide for Grand Rapids, MI Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Grand Rapids, MI | Back to Top

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

List of Grand Rapids, MI Home Insurance Agents by Companies


Grand Rapids, MI Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $90.6 on the home insurance premium is offered to Grand Rapids, MI homeowners who have no previous history of claims filed, Grand Rapids, MI homeowners with one claim have to file an additional home insurance rate of $38, while Grand Rapids, MI homeowners with 2 claims have to pay $98 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -91 664
One Claim +38 793
Two Claim +98 853


Grand Rapids, MI Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
49507 90,700 732
49546 210,700 765
49506 173,600 713
49525 157,300 710
49544 133,600 713
49505 116,500 764
49503 105,600 765

Factors Affecting Home Insurance Premiums in Grand Rapids, MI

Grand Rapids, MI homeowners pay an average home insurance premium of $755. Homeowners in Grand Rapids, MI can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Grand Rapids, MI Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 395
3 Bedroom 741
4 Bedroom 1,581
5 Bedroom 2,223

Grand Rapids, MI Home Insurance Premiums for Different Deductibles | Back to Top

Grand Rapids, MI Homeowners with a deductible of $500 pay a higher amount for home insurance, while Grand Rapids, MI homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 746
$1000 Deductible 675
$1500 Deductible 635
$2000 Deductible 577
$2500 Deductible 542

Grand Rapids, MI Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Grand Rapids, MI pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 574
Year 30 Old 766
Year 40 Old 775
Year 50 Old 784
Above Year 50 791

Grand Rapids, MI Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 91 664
Masonry 38 717
Brick 38 717
Superior 68 687
Hail Resistant Roof 23 732

Top Saving Tips on Grand Rapids, MI Homeowners Insurance | Back to Top

Grand Rapids, MI Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Grand Rapids, MI Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Grand Rapids, MI homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Grand Rapids, MI homeowners can take advantage of to increase their savings.

Grand Rapids, MI Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 113 642
Retiree Discount (Senior Citizen Discount) 106 861
Newly Constructed Home 181 574

Grand Rapids, MI Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 60 695
Fire Extinguishers 53 702
Smoke Detectors 91 664
Sprinkler System 98 657
Fire Alarm 38 717
Burglar Alarm 68 687
Lightning Protection 15 740

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.
Allstate
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.
Progressive
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.
Allstate
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.
Allstate
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.
Progressive
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
My premium and deductible are more than adequate. If I start with a different company the premium may/may not be similar. However, making a change would terribly inconvenient for me and cancel any savings I may gain.
Nationwide
I have not had any issues. I would recommend to my friends and family if they want quality service with all the options that you would expect.
Auto Owners Insurance
I would recommend Auto Owners for home insurance because every employee I have spoken with is friendly and knowledgeable. Their claims process is easy to navigate and receiving coverage is fast and without hassle.
Geico
Deductible is pretty good not bad can't complain about it much at all, it's around avarage i could ay the least, and down payment is pretty good as well thanks,.
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.
Foremost
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.
Foremost
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
Ameriprise
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
Geico
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.
Geico
I really do not have any major complaints about the company. It could have better information pamphlets but that is about it.
Geico
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
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.
Geico
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
Metlife
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.