Jackson Insurance Rates:

Jackson, MI homeowners insurance is nearly $607 to $822, about $50-$68/month. Our extensive guide reveals consumers can save upto $286 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How To Make Your Home Insurance in Jackson, MI Cheaper and Affordable

The average cost of home insurance in Jackson, MI is $652. However, the cost of your policy will vary depending on a number of factors, including the type of coverage you choose and the amount of deductible you choose, as well as the age of the property and the materials used to construct it. The table below summarises the average house insurance costs in Jackson, MI based on the deductible and other factors.

Average Homeowners Insurance Cost Based on the Age of Home 

Jackson_MI_Homeowners_Insurance_How_to_Make_it_Less_Expensive

When homeowners choose bigger deductibles, they receive discounts, which translates to lower monthly payments and lower premiums over time. A high deductible policy is a simple method to get more coverage for less money. Homeowners in Jackson who have a high deductible of $2500 can get house insurance for $468. On deductibles of $2000 and $1500, homeowners receive insurance for $498 and $549, respectively.

The average cost of house insurance is directly proportional to the age of the home. Newly constructed Jackson, MI homes can avail lower insurance of $469 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. An older housing means higher rates since houses are more prone to damage and as a result, those with homes over 40 or 50 years old have to pay  $669-$677 per year on their premiums.

The type of construction has a significant impact on the cost of homeowners insurance. The more damage-resistant your home is, the less expensive your homeowners insurance will be. For example, a person who lives in Jackson, MI and has fire-resistant construction on their roof can save $580 each year on average. For homes built with Masonry and Brick, insurance firms in Jackson, offer home insurance for $619 per year. Superior and hail-resistant roofs demand a higher price tag of $593 and $639 respectively.

Jackson, MI Homeowners Insurance By Home Value

Jackson, MI Home Value Total Homes % of Total Average Jackson, MI Homeowners Insurance
Less than $50,000 1,636 22.0% $243
$50,000 to $59,999 703 9.0% $507
$60,000 to $69,999 1,030 14.0% $629
$70,000 to $79,999 706 9.0% $729
$80,000 to $89,999 826 11.0% $829
$90,000 to $99,999 449 6.0% $922
$100,000 to $124,999 839 11.0% $1072
$125,000 to $149,999 379 5.0% $1337
$150,000 to $174,999 198 2.0% $1580
$175,000 to $199,999 74 1.0% $1830
$200,000 to $249,999 133 1.0% $2202
$250,000 to $299,999 129 1.0% $2688

Top Home Insurance Agents Near Jackson, MI

Home Insurance Company Near Jackson, MI Homeowners Insurance Agency Near Jackson, MI Address
NA Rathbun Agency, Inc. 529 West Saginaw, Lansing, MI, 48933
NA Yes Insurance Agency Llc 135 E Bennett St 135 E Bennett St, Saline, MI, 48176
NA Abbott & Fillmore Agency, Inc. 105 W Main St, Stockbridge, MI, 49285
NA Looking Glass Insurance Agency Inc 325 E Grand River Ave 325 E Grand River Ave East Lansing, East Lansing, MI, 48823
State Farm Shirley Redrick 2140 Washtenaw Rd, Ypsilanti, MI, 48197-1708

Jackson, MI Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Jackson, MI

Streets in Jackson Area Homeowners Insurance Cost
Liberty St, Belden Rd, Commerce St, Sheldon St, W South St, Centralia Ave, Bernadette Dr, Jonquil Ct, Oleary Rd, Factory Rd$739
W Monroe St, Martin St, Wall St, Russell St, Valley Rd, Sweet Ave, Southway Rd, Ridgeway St, Madison Dr, Constantine Dr$749
McBride St, S Dwight St, E Monroe St, S Lakeside Dr, 9th St, N Forbes St, Deyo St, Broadcrest Rd, Duryeas Pt, W Pearl St$732
E Porter St, Dewey Ave, Van Buren St, N Brown St, Goodrich St, Warwick Ct, Goodrich St, N Waterloo Ave, Essex Ln, Bridge St$713
E Pearl St, Jasper St, Randolph St, S Brown St, Sulgrave Ave, Mound Ave, Greenwood Ave, Leah St, Best Rd, E High St$747

Jackson, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Jackson$106 to $109
Jackson County$111
Vandercook Lake$108
Blackman charter$110

Jackson, 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
Jackson County, Michigan $111 $148 $222
Summit township, Jackson County, Michigan $111 $148 $222
Vandercook Lake CDP, Michigan $108 $144 $216

Jackson, 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
Jackson, MI6.0%17.3%
Jackson County4.99%15.46%
Summit5.1%14.52%
Vandercook Lake5.67%15.51%

Jackson Renters Insurance as a Percentage of Rent

Jackson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 515 9.0% $368
$200 to $299 473 8.0% $818
$300 to $499 815 14.0% $1268
$500 to $749 1,907 33.0% $1943
$750 to $999 1,323 23.0% $2693
$1,000 to $1,499 654 11.0% $3818

Jackson, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly Jackson Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,800$9,600
Net Savings to Jackson Home Owner from High Deductible Plan $1,200

Jackson, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Jackson, MI Home Replacement Value MORE than Home Value Jackson, MI Home Replacement Value LESS than Home Value
Replacement Value $84,000 $64,000
Insurance Premium based on Replacement Value $350 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $7,000 Risk Exposure from Under Insuring Coverage is $13,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $25/year

Example Jackson Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 254222
Year Built 195519681941
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $50000-$75000$125000-$150000$75000-$100000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 210,000 Metal Roof 3,720 5 $500- $1000 Deductible 340 5 Brick siding No
1946 85,000 Asphalt Shingles Roof 1,440 3 $500 Deductible 160 7 Fiber-Cement Siding No
1941 135,000 Asphalt Shingles Roof 2,330 5 $2500-$5000 Deductible 170 5 Stone Siding yes
1969 85,000 Wood Shake Roof 1,630 2 $1000-$2500 Deductible 280 12 Stucco siding No
1948 85,000 Tile Roof 1,570 2 $2500-$5000 Deductible 80 4 Stone Siding No
1960 210,000 Membrane Roof 3,310 5 $500- $1000 Deductible 300 4 Brick siding yes
1968 105,000 Slate Shingles Roof 1,860 3 $500- $1000 Deductible 370 12 Fiber-Cement Siding yes
1959 125,000 Composition Roof 2,010 4 $500- $1000 Deductible 160 3 Fiber-Cement Siding yes
1951 85,000 Wood Shake Roof 1,550 3 $500- $1000 Deductible 60 2 Wood siding yes
1961 85,000 Shingles Roof 1,250 3 $500 Deductible 90 2 Brick siding No
1951 50,000 Slate Shingles Roof 990 2 $1000-$2500 Deductible 230 9 Stucco siding No
1948 250,000 Asphalt Shingles Roof 4,760 5 $500- $1000 Deductible 590 7 Stucco siding yes
1942 185,000 Asphalt Shingles Roof 3,220 4 $500 Deductible 300 4 Vinyl siding No
1951 90,000 Membrane Roof 1,720 2 $500 Deductible 190 5 Fiber-Cement Siding yes
1963 85,000 Metal Roof 1,320 3 $1000-$2500 Deductible 20 1 Brick siding No
1943 270,000 Membrane Roof 4,390 5 > $10,000 Deductible 320 5 Vinyl siding yes
1945 140,000 Tile Roof 2,210 4 $2500-$5000 Deductible 320 5 Vinyl siding No
1944 215,000 Slate Shingles Roof 3,190 4 $500- $1000 Deductible 450 5 Vinyl siding yes
1948 240,000 Membrane Roof 3,700 5 $500 Deductible 1370 10 Stone Siding No
1947 190,000 Membrane Roof 3,360 4 $5000 to $10,000 Deductible 340 6 Fiber-Cement Siding yes
1952 100,000 Composition Roof 2,030 3 $1000-$2500 Deductible 130 3 Vinyl siding No
1966 170,000 Tile Roof 2,720 5 $500 Deductible 60 1 Stucco siding No
1961 95,000 Wood Shake Roof 1,710 3 $1000-$2500 Deductible 400 10 Stone Siding yes
1966 50,000 Slate Shingles Roof 960 2 $500- $1000 Deductible 240 10 Brick siding yes
1956 140,000 Shingles Roof 2,290 4 $1000-$2500 Deductible 340 5 Stone Siding No
1945 120,000 Asphalt Shingles Roof 1,840 3 $500- $1000 Deductible 270 7 Brick siding No
1952 285,000 Shingles Roof 4,340 5 $500- $1000 Deductible 1290 10 Stone Siding No
1954 100,000 Wood Shake Roof 1,750 3 $500- $1000 Deductible 330 9 Fiber-Cement Siding No
1956 130,000 Composition Roof 1,870 5 $1000-$2500 Deductible 180 4 Vinyl siding yes
1953 160,000 Membrane Roof 2,510 4 $2500-$5000 Deductible 410 8 Vinyl siding No
1940 60,000 Tile Roof 1,060 2 $1000-$2500 Deductible 120 5 Vinyl siding No
1949 275,000 Membrane Roof 4,530 5 > $10,000 Deductible 130 3 Brick siding yes
1967 100,000 Slate Shingles Roof 1,970 5 $500 Deductible 460 10 Brick siding No
1941 60,000 Membrane Roof 1,110 2 $2500-$5000 Deductible 160 9 Fiber-Cement Siding yes

Latest Home Insurance Reviews

State Farm
I would recommend State Farm to somebody who is looking for a fair insurance company to deal with, and who is very easy to contact.
State Farm
I am completely satisfied with what my insurance company offers me
Geico
I beleieve the premium and deductible for our renter's insurance is low (about $100 ayear), and comparable to the previous renter's insurance we had.
Allstate
I would recommend our insurance agency because the agent is very attentive.We have also had one claim for storm damage on our roof and the process was simple, and they promptly paid the claim.
Grange Insurance
The affordability and the things covered would make me highly recommend this company, especially if you are on a budget.
Metlife
I don't have great knowledge of other policy offerings at competing insurance companies but, with one company that we had several years ago (Amica), we were dropped after filing a couple claims for legitimate water damage.
Geico
The premium that I pay is very competitive with that offered by other insurance company.There are a number of different deductibles to choose from, depending on the level of risk you are willing to assume.
Frankenmuth Insurance
Frankenmuth insurance has a very reasonable premium. We have been with them for 8 years and our premium has never increased. Our deductible is also very reasonable considering how low our premiums are.
Auto Owners Insurance
I am very happy with my insurance company. I have competitive rates and many difference insurance products - home, multi-auto, umbrella, life, jewelry. At the moment, I would never even think of changing.
Geico
I rate my insurance company a 5 they have been great and very beneficial. They offer a lot of things on the side that really make purchasing and life easier.
State Farm
The premium and deductable are I believe comparable with most other solid companies and the good part is that there are many ways to pay, i.e., quarterly, monthy by auto check etc.
Geico
To me, they are a very no-frills company, and you get what you pay for. it was one of the cheapest policies that i quoted when i bought my home, so since cost and savings is all that i care about, i went with them.
Amica Mutual Insurance
They are very disorganized within their corporate offices. they ended up sending us a refund, which was supposedly for an overage in our escrow, but made a mistake, as it was supposed to be for another client, and to rectify the situation took nearly three weeks.
Progressive
I like that my insurance company bundles my different insurance coverages to lower their individual costs. i currently bundle my home and auto insurance through progressive and it has saved me a lot of money.
Travelers
The people are always rude and almost like a robot. Everything there is a scheme to keep you from getting a claim
Farmer's Insurance
I can call my agent's office and someone answers right away. She knows everything about my insurance without having to put me on hold. It's a smaller office, they have gotten to know our family over the years. It's nice to call in with a question or concern and ALWAYS get excellent customer service.
Liberty Mutual
Their mobile application is not great. The application seems to be browser based rather than built specifically for a platform. It needs to be updated with the current functions that the app has only with an improved interface
Meemic Insurance
I feel that their communication is appropriate. I receive emails and newsletters as appropriate throughout the year with helpful information. They even send a Christmas card with a recipe for something seasonal!
State Farm
Reliable, consistent. the only thing that I would like is if they change their premium so that It got cheaper the longer you use it
Progressive
I WOULD RECOMEND THEM BECAUSE OUR 250 DEDUCTIBLE BEATS OUT COVERAGE OF STATE FARMS 500 DEDUCTIBLE BYT OVER 500 DOLLARS COVERAGE ON AVERAGE
State Farm
I would rate State Farm as 5. I haven't had any experience with other providers. We have had State Farm for nearly 40 years.

How To Make Your Jackson, MI Home Insurance Cheaper

How Much Does Jackson, MI Home Insurance Cost?