Harper Woods Insurance Rates:

Harper Woods, MI homeowners insurance is about $610 to $830, about $50-$69/month. Our complete analysis shows customers can save upto $288 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Harper Woods, MI Homeowners Insurance By Home Value

Harper Woods, MI Home Value Total Homes % of Total Average Harper Woods, MI Homeowners Insurance
Less than $50,000 899 21.0% $216
$50,000 to $59,999 457 10.0% $460
$60,000 to $69,999 352 8.0% $568
$70,000 to $79,999 345 8.0% $662
$80,000 to $89,999 364 8.0% $748
$90,000 to $99,999 331 7.0% $835
$100,000 to $124,999 639 15.0% $972
$125,000 to $149,999 373 8.0% $1209
$150,000 to $174,999 197 4.0% $1432
$200,000 to $249,999 88 2.0% $1994
$250,000 to $299,999 44 1.0% $2433
$300,000 to $399,999 54 1.0% $3088

Top Home Insurance Agents Near Harper Woods, MI

Home Insurance Company Near Harper Woods, MI Homeowners Insurance Agency Near Harper Woods, MI Address
NA Yes Insurance Agency Llc 135 E Bennett St 135 E Bennett St, Saline, MI, 48176
Liberty Mutual Independent Eastman Insurance Agency Inc 8042 GRAND RIVER RD, BRIGHTON, MI, 48114
Liberty Mutual Independent Hbl Insurance Agency Llc 31600 W 13 Mile Rd Suite 130 Farmington Hills, Farmington Hills, MI, 48334
Allstate Jacqueline Cuva 11255 Hall Rd Ste 202, Utica, MI, 48317
State Farm Steve Hale 25810 Plymouth Rd, Redford, MI, 48239-2102

Cost Of Homeowners Insurance By Street Near Harper Woods, MI

Streets in Harper Woods Area Homeowners Insurance Cost
Kenmore Ave, Sanilac St, Eastwood Dr, Wildwood Dr, Lansdowne Ave, Woodcrest St, Lochmoor St, Rose Ct, Lochmoor Blvd, Edgefield St$727
Brierstone St, Canton Ave, Prestwick Rd, Rossiter Ave, Manchester Blvd, Danbury Ln, Laing Ave, Van Antwerp St, Littlestone Rd, Anita St$721
Kenmore Dr, Elkhart St, Damman St, Huntington Ave, Lennon St, Lochmoor Dr, Duprey Ave, Harper Ct, Ridgemont Rd, Huntington Ave$721
Williamsburg Ct, Hollywood Ave, Lennon St, Sloan Dr, Hunt Club Dr, Roscommon St, Washtenaw St, Parkcrest Dr, Roscommon St, Duprey Ave$727
Rolandale St, Arthur Ave, Balfour St, Eastbourne St, Cedar Ct, Lochmoor St, Kenosha St, Elm Ct, Bournemouth St, Tyrone St$717

Harper Woods, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Harper Woods$107 to $110
Grosse Pointe Woods$119
Eastpointe$107
Village of Grosse Pointe Shores$140

Harper Woods, 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
Grosse Pointe Woods city, Michigan $100 $133 $199
Eastpointe city, Michigan $89 $119 $178
Village of Grosse Pointe Shores city, Michigan $117 $156 $234

Harper Woods, 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
Harper Woods, MI4.5%13.0%
Grosse Pointe Woods3.22%9.0%
Eastpointe5.06%13.57%
Village of Grosse Pointe Shores2.15%7.82%

Harper Woods Renters Insurance as a Percentage of Rent

Harper Woods Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 59 3.0% $1264
$500 to $749 268 17.0% $1939
$750 to $999 416 27.0% $2689
$1,000 to $1,499 728 47.0% $3814
$1,500 or more 42 2.0% $5464

Harper Woods, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$3,500
Yearly Harper Woods Homeowner Insurance Premium Example $1,600$1,000
Out of Pocket Expense During Claim$500$3,500
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $10,100$9,500
Net Savings to Harper Woods Home Owner from High Deductible Plan $600

Harper Woods, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Harper Woods, MI Home Replacement Value MORE than Home Value Harper Woods, MI Home Replacement Value LESS than Home Value
Replacement Value $101,000 $65,000
Insurance Premium based on Replacement Value $525 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $13,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $125/year

Example Harper Woods Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceLiberty MutualState Farm
Monthly Premium 263756
Year Built 195919601978
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $75000-$100000$100000-$125000$100000-$125000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1953 80,000 Asphalt Shingles Roof 1,290 3 $2500-$5000 Deductible 300 10 Brick siding yes
1965 230,000 Metal Roof 3,060 4 $500- $1000 Deductible 740 12 Stucco siding No
1950 160,000 Wood Shake Roof 2,240 4 $500- $1000 Deductible 490 8 Brick siding No
1972 170,000 Slate Shingles Roof 2,300 3 $5000 to $10,000 Deductible 200 6 Brick siding yes
1951 80,000 Metal Roof 1,610 3 $1000-$2500 Deductible 100 3 Stucco siding yes
1951 170,000 Wood Shake Roof 3,080 4 $1000-$2500 Deductible 60 1 Stone Siding No
1977 100,000 Tile Roof 1,960 3 $2500-$5000 Deductible 380 10 Fiber-Cement Siding No
1965 220,000 Membrane Roof 3,190 4 $500 Deductible 180 2 Stone Siding yes
1976 195,000 Shingles Roof 2,760 4 $5000 to $10,000 Deductible 50 1 Stucco siding yes
1956 205,000 Tile Roof 3,170 4 > $10,000 Deductible 360 10 Vinyl siding No
1973 95,000 Slate Shingles Roof 1,730 3 $2500-$5000 Deductible 320 12 Vinyl siding yes
1967 115,000 Metal Roof 1,830 4 $2500-$5000 Deductible 270 7 Vinyl siding yes
1967 140,000 Composition Roof 1,960 3 $2500-$5000 Deductible 430 12 Stone Siding yes
1975 90,000 Slate Shingles Roof 1,220 3 $2500-$5000 Deductible 140 9 Stone Siding No
1962 80,000 Shingles Roof 1,630 3 $2500-$5000 Deductible 80 4 Wood siding No
1965 115,000 Asphalt Shingles Roof 2,220 3 $500 Deductible 50 1 Stone Siding yes
1964 115,000 Shingles Roof 2,100 3 $500- $1000 Deductible 410 9 Fiber-Cement Siding No
1963 195,000 Composition Roof 3,130 4 $1000-$2500 Deductible 460 5 Brick siding No
1970 100,000 Shingles Roof 1,610 4 $500 Deductible 400 9 Stucco siding No
1975 135,000 Shingles Roof 2,410 4 $1000-$2500 Deductible 320 10 Wood siding No
1960 120,000 Metal Roof 2,130 4 $2500-$5000 Deductible 460 12 Brick siding yes
1964 115,000 Shingles Roof 2,110 4 $500- $1000 Deductible 340 8 Wood siding yes
1967 200,000 Composition Roof 2,880 4 $2500-$5000 Deductible 350 6 Vinyl siding yes
1975 160,000 Shingles Roof 2,290 4 $500 Deductible 310 4 Brick siding yes
1961 175,000 Wood Shake Roof 3,180 4 $1000-$2500 Deductible 170 4 Vinyl siding yes
1974 120,000 Metal Roof 2,080 3 $500- $1000 Deductible 150 3 Stone Siding No
1974 85,000 Metal Roof 1,280 3 $2500-$5000 Deductible 120 5 Fiber-Cement Siding yes
1958 90,000 Wood Shake Roof 1,620 4 $500- $1000 Deductible 170 6 Stucco siding yes
1960 120,000 Shingles Roof 2,210 3 $500- $1000 Deductible 240 4 Fiber-Cement Siding yes
1958 150,000 Slate Shingles Roof 2,100 3 $500 Deductible 270 4 Wood siding No
1967 95,000 Slate Shingles Roof 1,640 3 $1000-$2500 Deductible 360 9 Stucco siding No