Hamtramck Insurance Rates:

Hamtramck, MI homeowners insurance is about $596 to $811, about $49-$67/month. Our detailed guide indicates shoppers can save as much as $281 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Grange Insurance
The fact that grange has an auto withdrawal option with a discount for doing so is a nice option and the fact that they will do it monthly if requested is great as well
Farmer's Insurance
Several years ago my neighbor's tree fell down in a summer storm. part of the tree hit an edge of my roof. i called the hotline to report the incident. i was told they would send an adjuster on friday, what i assumed to be the next day. a few hours later when the tree was removed i discovered there was no damage. friday came and went and no one came. i called them on monday and told them not to bother coming as there was no damage. i was informed that they had not missed my appointment but they were planning on coming on a friday two weeks in the future. i don't consider that prompt service.
Foremost
The customer support is quite pleasant. i will only know the real value of the company when i file a claim. overall, it has been pleasant so far.
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.
Meemic Insurance
I don't really feel that I need to communicate with them unless I need them.
Foremost Insurance
Foremost offers all type of insurance for home owners including manufacturing and mobile home coverage.
Farmer's Insurance
It is informative. I can contact the company easily without having to wait for my cell phone for the next operator.
Allstate
I guess the premium we pay is fine, but it seems a little high for our home. I don't know what other people pay for their premium for a comparably priced home, but it just seems a little high.
Allstate
My premiums are ok but considering the coverage I feel that they are a little high.

Hamtramck, MI Homeowners Insurance By Home Value

Hamtramck, MI Home Value Total Homes % of Total Average Hamtramck, MI Homeowners Insurance
Less than $50,000 1,508 44.0% $316
$50,000 to $59,999 408 11.0% $667
$60,000 to $69,999 251 7.0% $829
$70,000 to $79,999 397 11.0% $956
$80,000 to $89,999 353 10.0% $1082
$90,000 to $99,999 93 2.0% $1216
$100,000 to $124,999 258 7.0% $1406
$125,000 to $149,999 38 1.0% $1757
$150,000 to $174,999 45 1.0% $2073
$175,000 to $199,999 67 1.0% $2397

Top Home Insurance Agents Near Hamtramck, MI

Home Insurance Company Near Hamtramck, MI Homeowners Insurance Agency Near Hamtramck, MI Address
State Farm John Avery 709 W Ellsworth Rd Ste 112, Ann Arbor, MI, 48108-3392
State Farm Mark Khoury 320 W Summit St Ste 2, Milford, MI, 48381-1563
State Farm Mark Rzepka 500 N Pontiac Trl Ste B, Walled Lake, MI, 48390-3418
Allstate Michael Marcum 19181 15 Mile Rd, Clinton Township, MI, 48035
NA Hartz Insurance Agency Llc 1420 Broadway St 1420 Broadway St, Detroit, MI, 48226

Hamtramck, 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
Highland Park city, Michigan $88 $117 $175
Detroit city, Michigan $88 $117 $176
Hazel Park city, Michigan $89 $118 $177

Hamtramck, 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
Hamtramck, MI5.4%13.5%
Highland Park5.96%12.79%
Detroit5.01%12.76%
Hazel Park5.51%14.05%

Hamtramck Renters Insurance as a Percentage of Rent

Hamtramck Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 133 4.0% $375
$200 to $299 214 7.0% $825
$300 to $499 484 16.0% $1275
$500 to $749 1,211 42.0% $1950
$750 to $999 495 17.0% $2700
$1,000 to $1,499 277 9.0% $3825
$1,500 or more 48 1.0% $5475

Hamtramck, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Hamtramck Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $3,800$3,200
Net Savings to Hamtramck Home Owner from High Deductible Plan $600

Hamtramck, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hamtramck, MI Home Replacement Value MORE than Home Value Hamtramck, MI Home Replacement Value LESS than Home Value
Replacement Value $69,000 $47,000
Insurance Premium based on Replacement Value $300 $200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,500 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Hamtramck Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyChubb Group of InsuranceLiberty Mutual
Monthly Premium 776937
Year Built 195119681947
Home Details 4 Beds, 1 Baths5 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $150000-$175000$200000-$250000$100000-$125000
Deductible $500 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1958 125,000 Tile Roof 3,010 5 $1000-$2500 Deductible 350 10 Stucco siding yes
1944 120,000 Membrane Roof 2,150 3 $500- $1000 Deductible 440 10 Stucco siding yes
1967 85,000 Tile Roof 1,970 3 $500 Deductible 20 1 Stone Siding No
1958 135,000 Tile Roof 2,480 5 $2500-$5000 Deductible 430 10 Fiber-Cement Siding No
1958 215,000 Tile Roof 4,440 5 $500- $1000 Deductible 680 10 Stone Siding No
1957 125,000 Wood Shake Roof 2,740 4 $2500-$5000 Deductible 80 2 Fiber-Cement Siding No
1961 185,000 Wood Shake Roof 3,810 5 $2500-$5000 Deductible 510 8 Stone Siding yes
1958 100,000 Slate Shingles Roof 1,770 4 $500- $1000 Deductible 250 6 Brick siding yes
1962 185,000 Metal Roof 4,450 5 $5000 to $10,000 Deductible 230 6 Stucco siding yes
1962 90,000 Tile Roof 2,150 3 $1000-$2500 Deductible 30 1 Stone Siding No
1944 140,000 Asphalt Shingles Roof 2,530 4 $1000-$2500 Deductible 480 10 Stucco siding No
1953 140,000 Membrane Roof 3,360 4 $500 Deductible 650 10 Fiber-Cement Siding No
1955 110,000 Slate Shingles Roof 1,860 3 $500 Deductible 70 2 Vinyl siding No
1964 120,000 Membrane Roof 2,150 3 $2500-$5000 Deductible 430 12 Stone Siding yes
1941 95,000 Tile Roof 2,340 3 $2500-$5000 Deductible 100 4 Stucco siding No
1951 65,000 Metal Roof 1,560 2 $500- $1000 Deductible 240 12 Wood siding No
1950 50,000 Wood Shake Roof 940 2 $1000-$2500 Deductible 30 2 Brick siding yes
1946 205,000 Slate Shingles Roof 3,610 5 $5000 to $10,000 Deductible 200 5 Wood siding No
1952 95,000 Membrane Roof 1,950 4 $500 Deductible 340 10 Vinyl siding yes
1956 135,000 Metal Roof 2,900 4 $500 Deductible 400 6 Fiber-Cement Siding yes
1958 85,000 Composition Roof 1,920 3 $1000-$2500 Deductible 30 1 Stucco siding yes
1943 85,000 Shingles Roof 1,540 2 $1000-$2500 Deductible 20 1 Fiber-Cement Siding yes
1943 105,000 Composition Roof 1,750 4 $500 Deductible 60 1 Stone Siding No
1963 125,000 Composition Roof 2,280 3 $500 Deductible 160 4 Stone Siding No
1958 115,000 Slate Shingles Roof 2,150 4 $1000-$2500 Deductible 190 4 Fiber-Cement Siding No
1964 110,000 Membrane Roof 1,850 3 $1000-$2500 Deductible 300 5 Fiber-Cement Siding yes
1952 80,000 Shingles Roof 1,550 2 $500 Deductible 170 4 Brick siding yes
1952 85,000 Membrane Roof 1,680 4 $2500-$5000 Deductible 100 4 Stone Siding No
1945 80,000 Asphalt Shingles Roof 1,430 3 $500- $1000 Deductible 190 8 Stone Siding yes
1941 95,000 Shingles Roof 1,630 2 $1000-$2500 Deductible 30 1 Stone Siding yes
1957 80,000 Wood Shake Roof 1,420 2 $500- $1000 Deductible 110 3 Brick siding No
1961 155,000 Wood Shake Roof 2,590 4 $500 Deductible 70 1 Stucco siding No
1941 65,000 Shingles Roof 1,420 2 $500 Deductible 150 6 Stone Siding No
1955 240,000 Membrane Roof 3,970 5 $1000-$2500 Deductible 260 3 Fiber-Cement Siding No