Kalamazoo, MI Home Insurance - Analysis On Quotes, Rates & Agents
Kalamazoo Insurance Rates:
Kalamazoo, MI homeowners insurance is approximately $620 to $842, about $51-$70/month. Our comprehensive analysis shows customers can save as much as $292 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
AllstateI am either satisfied not satisfied for this company, like I said I never used it. Premium about $380 just cover basic service and deductible is $75 per occurrence. And I think it's waste money.
Peninsula InsuranceOne of the positive things about peninsula property insurance is their ease of communication. i have called them several times with minor questions and every time it was easy to get in touch with them.
AllstateI have been with my insurance company for nearly 30 years. my agent is the best. he has been my agent the entire time. i couldn't ask for a better agent.
State FarmI like the agents that work at state farm. they are always friendly and willing to help me with any questions i ask. they are so informative that i always learn more.
ForemostI don't like that I cannot bundle with my auto insurance. They said their auto insurance was too high to make it worth my while.
Meemic InsuranceI have not found anyone offering a better rate than this company. Other insurance providers have actually told me that I should stick with this company because it is by far the cheapest.
Auto OwnersI like the company because I can trust they will pay our claims. We have been with them for many years, and I am willing to pay slightly more premium to know I won't have too many issues when I need the insurance.
Foremost InsuranceI like the customer service, I appreciate the premium that they were able to get for us, and I enjoy the easy and intuitive website. Basically, everything about our experiences has been positive when dealing with our home insurance company.
AllstateI prefer to be able to do most of my contact either through a web form or email because I find it more comfortable. I have always had that option with this company. They only contact me when it is necessary and always through the methods that I have previously selected.
TravelersThey have very good rates. There service is very good for years
AllstateAllstate customer service is great however, it can be improve. There waiting times can be a but long thus requiring one to remain on the phone more than 20 minutes long at a time.
GeicoI think the premium and deductible are a little high for the amount of coverage. I think thats my problem with the coverage is the cost.
Kalamazoo, MI Homeowners Insurance By Home Value
| Kalamazoo, MI Home Value | Total Homes | % of Total | Average Kalamazoo, MI Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,907 | 14.0% | $182 |
| $50,000 to $59,999 | 642 | 5.0% | $380 |
| $60,000 to $69,999 | 705 | 5.0% | $475 |
| $70,000 to $79,999 | 922 | 7.0% | $548 |
| $80,000 to $89,999 | 1,351 | 10.0% | $621 |
| $90,000 to $99,999 | 1,064 | 8.0% | $694 |
| $100,000 to $124,999 | 1,716 | 13.0% | $804 |
| $125,000 to $149,999 | 1,645 | 12.0% | $1001 |
| $150,000 to $174,999 | 1,198 | 9.0% | $1184 |
| $175,000 to $199,999 | 482 | 3.0% | $1366 |
| $200,000 to $249,999 | 575 | 4.0% | $1644 |
| $250,000 to $299,999 | 369 | 2.0% | $2010 |
| $300,000 to $399,999 | 216 | 1.0% | $2558 |
Top Home Insurance Agents Near Kalamazoo, MI
| Home Insurance Company Near Kalamazoo, MI | Homeowners Insurance Agency Near Kalamazoo, MI | Address |
|---|---|---|
| NA | Fritz & Krueger Insurance Agency | 207 South State 207 South State, Gobles, MI, 49055 |
| State Farm | Andrea Olson | 228 Broadway St, South Haven, MI, 49090-1472 |
| State Farm | Greg Sutter | 1415 Lincolnway W Ste B, Osceola, IN, 46561-2060 |
| State Farm | Lyn Nash | 118 N Centerville Rd, Sturgis, MI, 49091-1308 |
| State Farm | Sharon Yoder | 7618 Red Arrow Hwy, Watervliet, MI, 49098-9396 |
Cost Of Homeowners Insurance By Street Near Kalamazoo, MI
| Streets in Kalamazoo Area | Homeowners Insurance Cost |
|---|---|
| Kimbark Ave, Honeylocust Ln, Adelaide St, Forest Hills Ln, W Main Ct, Gibson St, Willard St, Stone Valley Ln, Clarnin St, Scudder Ct | $674 |
| Frederick Ave, Horace Ave, Stafford Rd, Adams St, Dewey Ave, Deadwood Dr E, Bard Ave, Burrows Rd, Alamo Hills Dr, Burdick Pl | $754 |
| Greenfield Ave, Floral Dr, Summit Dr, Edgecliff Ln, Lulu St, Applelane Ave, Allen Blvd, Woodside Ave, Whittier Dr, Rochester Ave | $703 |
| The Dells, Upper Riverview Dr, Waverly Dr, Grasshopper Rd, W Kalamazoo Ave, E Water St, Walter St, Willis Ave, Summer Ridge Dr, Collins St | $774 |
| N Prairie Ave, W Grand Ave, Burke Ct, Garden St, Imperial St, Oakland Ridge Dr, Adams St, Albany St, E Paterson St, Alcott Pl | $728 |
| Newton Ct, Glenhaven Ave, Glendale Blvd, Oak Ct, I-94 Bus Lp, Willow Lake Dr, Sheridan Dr, 4th St, Kent Ave, High St | $733 |
| Lake Hill Dr, Westbrook St, Hazel Ave, Virginia Ave, Woodhaven Dr, Evergreen Dr, Lum Ave, N Edwards St, N Park St, Argyle Ave | $777 |
| W Dutton St, Duchess Dr, Blakeslee St, Lincolnshire Blvd, Chevy Chase Blvd, Knollwood Ave, Phillips St, Highfield St, Duxbury St, Greenleaf Cir | $720 |
| Duke Ln, Fairview Ave, Circle St, Lane Blvd, Walbridge St, Washington Ave, Buchanan Ave, Pine Ridge Rd, Low Rd, Schippers Ln | $751 |
| Moraine Trl, Harborview Ct, Kingston Ave, Persianwood Dr, Warren Pl, E Frank St, E Walnut St, Elizabeth St, Wheeler Ave, Dover Rd | $764 |
Kalamazoo, MI Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Kalamazoo | $109 to $111 |
| Westwood | $111 |
| Eastwood | $108 |
| Kalamazoo charter | $109 |
Kalamazoo, 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 |
|---|---|---|---|
| Westwood CDP, Michigan | $93 | $123 | $185 |
| Eastwood CDP, Michigan | $90 | $120 | $180 |
| Kalamazoo charter township, Kalamazoo County, Michigan | $92 | $122 | $183 |
Kalamazoo, MI Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Kalamazoo, MI | 5.4% | 13.6% |
| Westwood | 5.19% | 13.93% |
| Eastwood | 5.93% | 17.75% |
| Kalamazoo charter | 5.32% | 14.24% |
Kalamazoo Renters Insurance as a Percentage of Rent
| Kalamazoo Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 718 | 4.0% | $357 |
| $200 to $299 | 606 | 4.0% | $807 |
| $300 to $499 | 1,894 | 12.0% | $1257 |
| $500 to $749 | 5,498 | 37.0% | $1932 |
| $750 to $999 | 3,373 | 23.0% | $2682 |
| $1,000 to $1,499 | 1,750 | 11.0% | $3807 |
| $1,500 or more | 763 | 5.0% | $5457 |
Kalamazoo, MI Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Kalamazoo Homeowner Insurance Premium Example | $600 | $400 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,400 | $5,800 |
| Net Savings to Kalamazoo Home Owner from High Deductible Plan | $600 | |
Kalamazoo, MI Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Kalamazoo, MI Home Replacement Value MORE than Home Value | Kalamazoo, MI Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $107,000 | $80,000 |
| Insurance Premium based on Replacement Value | $450 | $325 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $14,000 | Risk Exposure from Under Insuring Coverage is $13,000 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $50/year |
Example Kalamazoo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | State Farm | Amica Mutual Insurance Company | Farmers Insurance |
| Monthly Premium | 31 | 63 | 63 |
| Year Built | 1984 | 1990 | 1979 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $200000-$250000 | $150000-$175000 |
| Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible | $500 Deductible |
Sample Home Insurance Rates for Kalamazoo, MI from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1961 | 255,000 | Wood Shake Roof | 4,520 | 5 | $5000 to $10,000 Deductible | 200 | 4 | Fiber-Cement Siding | No |
| 1942 | 130,000 | Wood Shake Roof | 1,880 | 4 | $1000-$2500 Deductible | 140 | 4 | Brick siding | yes |
| 1996 | 300,000 | Asphalt Shingles Roof | 3,640 | 5 | > $10,000 Deductible | 200 | 3 | Fiber-Cement Siding | No |
| 1974 | 135,000 | Shingles Roof | 1,660 | 4 | $500- $1000 Deductible | 300 | 5 | Wood siding | yes |
| 1946 | 75,000 | Composition Roof | 1,320 | 3 | $500 Deductible | 130 | 6 | Fiber-Cement Siding | yes |
| 1965 | 115,000 | Slate Shingles Roof | 1,580 | 3 | $1000-$2500 Deductible | 230 | 7 | Stucco siding | No |
| 1976 | 75,000 | Composition Roof | 1,170 | 2 | $500- $1000 Deductible | 200 | 7 | Stucco siding | No |
| 1990 | 210,000 | Metal Roof | 2,790 | 4 | $1000-$2500 Deductible | 310 | 4 | Stucco siding | No |
| 1999 | 280,000 | Membrane Roof | 3,350 | 4 | $500 Deductible | 190 | 2 | Wood siding | No |
| 1971 | 100,000 | Composition Roof | 1,730 | 4 | $2500-$5000 Deductible | 110 | 5 | Vinyl siding | yes |
| 1963 | 280,000 | Wood Shake Roof | 3,970 | 5 | $5000 to $10,000 Deductible | 450 | 5 | Brick siding | yes |
| 1948 | 95,000 | Asphalt Shingles Roof | 1,380 | 3 | $1000-$2500 Deductible | 60 | 2 | Vinyl siding | No |
| 1948 | 185,000 | Composition Roof | 2,170 | 4 | $5000 to $10,000 Deductible | 270 | 5 | Vinyl siding | yes |
| 1945 | 115,000 | Membrane Roof | 1,830 | 5 | $500- $1000 Deductible | 370 | 10 | Stone Siding | No |
| 1941 | 215,000 | Shingles Roof | 3,240 | 4 | $500- $1000 Deductible | 1160 | 12 | Fiber-Cement Siding | No |
| 1998 | 150,000 | Membrane Roof | 2,440 | 4 | $500 Deductible | 320 | 6 | Brick siding | No |
| 1990 | 80,000 | Metal Roof | 950 | 2 | $500- $1000 Deductible | 30 | 1 | Fiber-Cement Siding | No |
| 1964 | 110,000 | Composition Roof | 1,350 | 2 | $500- $1000 Deductible | 150 | 4 | Wood siding | No |
| 1940 | 215,000 | Shingles Roof | 2,890 | 4 | $2500-$5000 Deductible | 210 | 3 | Stucco siding | yes |
| 1981 | 185,000 | Composition Roof | 2,410 | 4 | $2500-$5000 Deductible | 580 | 12 | Stucco siding | yes |
| 1999 | 120,000 | Asphalt Shingles Roof | 1,790 | 2 | $1000-$2500 Deductible | 140 | 4 | Wood siding | yes |
| 1945 | 205,000 | Wood Shake Roof | 2,620 | 5 | $500 Deductible | 700 | 9 | Stucco siding | No |
| 1975 | 120,000 | Membrane Roof | 1,840 | 3 | $2500-$5000 Deductible | 60 | 2 | Stone Siding | No |
| 1945 | 150,000 | Slate Shingles Roof | 2,530 | 4 | $500 Deductible | 220 | 5 | Fiber-Cement Siding | No |
| 1994 | 115,000 | Asphalt Shingles Roof | 1,800 | 5 | $2500-$5000 Deductible | 250 | 7 | Wood siding | yes |
| 1967 | 125,000 | Tile Roof | 2,210 | 3 | $500 Deductible | 50 | 1 | Fiber-Cement Siding | yes |
| 1983 | 170,000 | Slate Shingles Roof | 2,040 | 4 | $5000 to $10,000 Deductible | 40 | 1 | Stone Siding | yes |
| 1975 | 200,000 | Asphalt Shingles Roof | 2,520 | 5 | $5000 to $10,000 Deductible | 500 | 9 | Stone Siding | yes |
| 1985 | 120,000 | Slate Shingles Roof | 2,010 | 3 | $500- $1000 Deductible | 310 | 7 | Brick siding | No |
| 1940 | 125,000 | Wood Shake Roof | 1,890 | 3 | $500 Deductible | 50 | 1 | Brick siding | No |
| 1982 | 220,000 | Slate Shingles Roof | 3,010 | 4 | $1000-$2500 Deductible | 730 | 10 | Wood siding | yes |
| 1987 | 125,000 | Composition Roof | 2,170 | 5 | $1000-$2500 Deductible | 410 | 7 | Brick siding | yes |
| 1987 | 140,000 | Asphalt Shingles Roof | 1,720 | 3 | $500 Deductible | 150 | 3 | Stone Siding | No |
| 1989 | 90,000 | Metal Roof | 1,367 | 3 | $500 Deductible | 250 | 7 | Vinyl siding | yes |