Ionia Insurance Rates:

Ionia, MI homeowners insurance is approximately $613 to $832, about $51-$69/month. Our detailed guide reveals consumers can save as much as $288 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ionia, MI Homeowners Insurance By Home Value

Ionia, MI Home Value Total Homes % of Total Average Ionia, MI Homeowners Insurance
Less than $50,000 257 14.0% $209
$50,000 to $59,999 83 4.0% $440
$60,000 to $69,999 202 11.0% $548
$70,000 to $79,999 144 8.0% $628
$80,000 to $89,999 367 20.0% $714
$90,000 to $99,999 234 13.0% $801
$100,000 to $124,999 200 11.0% $924
$125,000 to $149,999 91 5.0% $1162
$150,000 to $174,999 74 4.0% $1371
$175,000 to $199,999 72 4.0% $1581
$200,000 to $249,999 32 1.0% $1906

Top Home Insurance Agents Near Ionia, MI

Home Insurance Company Near Ionia, MI Homeowners Insurance Agency Near Ionia, MI Address
NA Growers Crop Insurance Agency 652 N Wheaton Rd , Charlotte, MI, 48813
NA Lighthouse Insurance Group Inc 4165 Prairie St Sw Ste A, Grandville, MI, 49418
NA Peter Goss Insurance Agency 7150 Camino Del Rey Drive Ne , Rockford, MI, 49341
State Farm Dan Kasischke 735 W Lake Lansing Rd Ste 125, East Lansing, MI, 48823-8533
State Farm Dave Tuls 181 North Ave, Battle Creek, MI, 49017-3467

Cost Of Homeowners Insurance By Street Near Ionia, MI

Streets in Ionia Area Homeowners Insurance Cost
N New Dexter St, Wildwood, Masonic Dr, Goodwin Rd, Phyllis Jean Dr, N Kidd St, Stivens St, S Bellamy Rd, King, Horizon Dr$721
Seruice Rd, Herrity Ln, Dean Dr Pvt, N Bellamy Rd, Taylor Ct, Reimer Dr, Rath Rd, Rice St, Penny Dr, Welton St$719
W North St, S Bellamy, Greenfield Dr, E David Hwy, Bowen Rd, Miller St, Bates Rd, Marquette Rd, Naoma Dr, Schoolboy Rd$751
Dexter Ct, W Peck Lake Rd, Whitlock Rd, Cardenas Ln, Riggle Rd, N Jefferson St, Brockton Woods, Graff Rd, Apple Tree Dr, Jordan Lake Rd$757
E Lincoln Ave, Reeder Rd, Misty Meadow Dr, Olmstead Rd, Westover Dr, Kimball St, Jackson Rd, Red Pine Dr, N Jefferson St, Sprague Rd$757

Ionia, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ionia$108 to $110
Ionia County$111
Muir$106
Orleans$110

Ionia, 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
Ionia County, Michigan $93 $123 $185
Easton township, Ionia County, Michigan $93 $123 $185
Muir village, Michigan $89 $119 $178

Ionia, 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
Ionia, MI6.2%18.0%
Ionia County5.11%15.08%
Easton4.81%13.35%
Muir6.03%15.16%

Ionia Renters Insurance as a Percentage of Rent

Ionia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 108 8.0% $363
$200 to $299 37 2.0% $813
$300 to $499 160 12.0% $1263
$500 to $749 590 47.0% $1938
$750 to $999 283 22.0% $2688
$1,000 to $1,499 73 5.0% $3813

Ionia, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Ionia Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,000$4,400
Net Savings to Ionia Home Owner from High Deductible Plan $600

Ionia, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ionia, MI Home Replacement Value MORE than Home Value Ionia, MI Home Replacement Value LESS than Home Value
Replacement Value $130,500 $96,500
Insurance Premium based on Replacement Value $625 $450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,500 Risk Exposure from Under Insuring Coverage is $23,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $50/year

Example Ionia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceFarmers Insurance
Monthly Premium 415256
Year Built 194519481949
Home Details 4 Beds, 3 Baths3 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$100000-$125000$150000-$175000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1947 120,000 Tile Roof 2,180 5 $500 Deductible 130 3 Stucco siding yes
1949 195,000 Wood Shake Roof 2,840 4 $500- $1000 Deductible 840 12 Vinyl siding No
1940 220,000 Shingles Roof 3,170 4 $2500-$5000 Deductible 200 4 Brick siding No
1943 100,000 Shingles Roof 1,320 2 $500 Deductible 110 2 Stone Siding No
1943 80,000 Asphalt Shingles Roof 1,090 2 $500 Deductible 150 5 Fiber-Cement Siding yes
1940 155,000 Slate Shingles Roof 3,000 5 $500 Deductible 230 3 Vinyl siding yes
1949 120,000 Wood Shake Roof 1,910 3 $2500-$5000 Deductible 280 8 Fiber-Cement Siding No
1943 275,000 Wood Shake Roof 4,420 5 $5000 to $10,000 Deductible 1130 12 Fiber-Cement Siding No
1948 95,000 Asphalt Shingles Roof 1,490 2 $500- $1000 Deductible 330 7 Fiber-Cement Siding yes
1941 85,000 Slate Shingles Roof 1,100 2 $500- $1000 Deductible 350 12 Brick siding No
1949 290,000 Wood Shake Roof 4,850 5 $1000-$2500 Deductible 90 1 Brick siding No
1946 215,000 Composition Roof 4,210 5 $500- $1000 Deductible 100 1 Stucco siding No
1944 120,000 Membrane Roof 1,980 4 $500- $1000 Deductible 30 1 Vinyl siding No
1946 100,000 Shingles Roof 1,410 3 $1000-$2500 Deductible 260 8 Wood siding yes
1946 130,000 Tile Roof 1,920 3 $2500-$5000 Deductible 210 7 Vinyl siding No
1947 245,000 Wood Shake Roof 4,720 5 > $10,000 Deductible 270 4 Fiber-Cement Siding No
1943 125,000 Membrane Roof 2,210 3 $500 Deductible 250 4 Stucco siding yes
1947 110,000 Slate Shingles Roof 1,660 5 $1000-$2500 Deductible 420 12 Brick siding yes
1940 125,000 Metal Roof 1,980 3 $2500-$5000 Deductible 180 5 Brick siding yes
1944 320,000 Asphalt Shingles Roof 4,520 5 $500 Deductible 130 1 Fiber-Cement Siding yes
1940 95,000 Composition Roof 1,590 3 $1000-$2500 Deductible 160 5 Stucco siding yes
1946 220,000 Asphalt Shingles Roof 3,080 5 $5000 to $10,000 Deductible 560 7 Brick siding yes
1949 125,000 Metal Roof 1,710 3 $2500-$5000 Deductible 90 3 Stucco siding No
1942 130,000 Tile Roof 1,990 3 $500 Deductible 130 3 Vinyl siding No
1941 80,000 Composition Roof 1,520 2 $500 Deductible 230 10 Fiber-Cement Siding No
1945 95,000 Composition Roof 1,440 3 $500- $1000 Deductible 30 1 Stucco siding No
1944 145,000 Composition Roof 2,200 4 $500 Deductible 240 6 Vinyl siding No
1941 80,000 Asphalt Shingles Roof 1,240 3 $500- $1000 Deductible 260 8 Stone Siding yes
1948 100,000 Slate Shingles Roof 1,430 3 $2500-$5000 Deductible 220 8 Fiber-Cement Siding No
1941 130,000 Metal Roof 2,110 4 $1000-$2500 Deductible 200 5 Fiber-Cement Siding yes
1946 225,000 Tile Roof 3,200 4 $500- $1000 Deductible 560 6 Vinyl siding yes
1940 105,000 Membrane Roof 1,940 5 $500 Deductible 90 3 Stucco siding yes
1947 60,000 Asphalt Shingles Roof 960 2 $2500-$5000 Deductible 100 10 Brick siding No
1941 310,000 Tile Roof 4,230 5 $500- $1000 Deductible 1230 7 Wood siding No