Lansing, MI Home Insurance - Analysis On Quotes, Rates & Agents

Lansing, MI Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Lansing, MI is $680 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Lansing, MI.

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Average Home Insurance Premium in Lansing, MI

National Average Premium State Average Premium Lansing Average Premium
$1,438 $775 $680

Top Home Insurance Companies in Lansing, MI | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Lansing, MI

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Farmers $789 $946 $1,230 $1,698
State Farm $1,543 $1,852 $2,408 $3,322
Allstate $1,233 $1,479 $1,923 $2,654
Michigan Farm Bureau $1,023 $1,227 $1,595 $2,202

Lansing, MI Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 974.17
$150,000 To $174,999 1,395.98
$175,000 To $199,999 1,472.53
$200,000 To $249,999 1,716.99
$250,000 To $299,999 2,738.02
$300,000 To $399,999 3,401.56
$400,000 To $499,999 4,427.66
$500,000 To $749,999 5,667.41
$750,000 To $999,999 6,552.94
$1000,000 To $1499,999 7,217.09
$1500,000 To $2000,000 7,748.41

Visual Guide for Lansing, MI Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Lansing, MI | Back to Top

Home Insurance Company Near Lansing, MI Homeowners Insurance Agency Near Lansing, MI Address
Liberty Mutual Independent Michael Kirgis/A Ins Assoc 340 LOVELL ST, IONIA, MI, 48846

List of Lansing, MI Home Insurance Agents by Companies

Lansing, MI Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Lansing, MI who have no previous history of claims filed are eligible for a discount of $95.2. Homeowners in Lansing, MI with one claim have to pay an additional home insurance rate of $41, while homeowners with 2 claims have to pay an additional $95 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -95 585
One Claim +41 721
Two Claim +95 775

Lansing, MI Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
48911 98,600 643
48912 95,700 690
48906 93,000 643
48910 91,300 690
48933 86,700 643
48915 83,500 643
48917 144,000 632

Factors Affecting Home Insurance Premiums in Lansing, MI

The average home insurance premium in Lansing, MI is $680. There are various factors in Lansing, MI that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Lansing, MI Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 429
3 Bedroom 804
4 Bedroom 1,233
5 Bedroom 1,823

Lansing, MI Home Insurance Premiums for Different Deductibles | Back to Top

Lansing, MI Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Lansing, MI homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 672
$1000 Deductible 608
$1500 Deductible 572
$2000 Deductible 519
$2500 Deductible 488

Lansing, MI Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Lansing, MI pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 537
Year 30 Old 690
Year 40 Old 698
Year 50 Old 706
Above Year 50 713

Lansing, MI Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 88 592
Masonry 34 646
Brick 34 646
Superior 68 612
Hail Resistant Roof 14 666

Top Saving Tips on Lansing, MI Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Lansing, MI homes built with sturdy materials earn discounts on homeowners insurance. Lansing, MI homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Lansing, MI senior citizens. Lansing, MI homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Lansing, MI homeowners can avail to increase their savings.

Lansing, MI Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 102 578
Retiree Discount (Senior Citizen Discount) 95 775
Newly Constructed Home 143 537

Lansing, MI Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 68 612
Fire Extinguishers 68 612
Smoke Detectors 82 598
Sprinkler System 54 626
Fire Alarm 54 626
Burglar Alarm 61 619
Lightning Protection 20 660

Latest Home Insurance Reviews

As noted Geico has the lowest premiums and deductibles compared to others who I have checked. Others are not even close for price. I give them a 5.
Foremost Insurance
Great customer service. Local agent who advocates for me. Easy claims process and bundling discount with car insurance.
Liberty Mutual
I would certainly recommend our insurance company. It is a fair deal for the money and if someone wants to get home and auto insurance together, it is a good deal.
I would recommend this company because of the good reputation they have. I've never used it, but have used the auto portion and have no complaints.
The customer service has always been quick to respond to any outstanding questions that I have had. I think they could be a little more trained on different procedures though.
Auto Owners Insurance
We have found Auto Owners offering as good or better than other companies. Before Auto Owners we had State Farm and were very displeased with them.
State Farm
I would recommend this company for home insurance since they are easy to work with, provide good coverage, andseem to have good qualities.
Universal Property & Casualty Insurance Company
While not me directly, I have heard from others than in Hurricane situations, the company was very quick to pay out and with very little. Any disaster like that, that is the kind of company you need. I have dealt with other companies in my car in situations that were a much bigger hassle.
State Farm
Statefarm provides a comprehensive coverage on our homes that covers weather damage. if we have hailstorms or snow damage, state farm will cover it and we feel more secure with it.
I do not like having to call into a call center to speak to an agent. i sometimes feel like i know more about what i am talking about than they do.
Allstate always provides a better service as per requirement to me and my family. it is the best insurance provider
State Farm
I don't like how lately my billing has been very messed up. They were charging me monthly for an already paid in full policy.
State Farm
They've always been very easy to contact and I've been able to communicate my needs easily with them.
I feel my premium is very satisfactory and acceptable to pay. There are many places that charge so much more for so little coverage and it is sad so I am lucky to have what I have
I'm satisfied because they provide the lowest rate with the same features and coverage as other companies.
Foremost Insurance
They requested I remove a couple of trees from around my house
I find the website is very easy to use and navigate through. The summary highlights amounts and also gives the option to determine if you have adequate coverage. I like that the amounts are in large bold print.
Easy to request a claim with a 1-800 number. The whole issue can be resolved in one call with the company handling everything.
Auto Owners Insurance
I was dismayed when the adjuster wouldn't let us claim the most recent water damage, but perhaps it was because this wasn't the first time we've had problems since living here. I would think they would want to help us out anyway, but I'm not certain about the fine details of such things so I have to assume they had their reasoning for doing so. I suppose prices could come down a bit as well. They're always going up. We've paid far more into it than we've ever gotten out of it.
State Farm
I feel they give us the best products out there for the money. The agents and CSRs are wonderful to work with and very knowledgeable. If they don't have the answer, they get it for you, that's what I like the most about the company. I also believe their pricing is very competitive but fair.
The Hartford
pretty well covered above low price good coverage and the added breakdown insurance was a winner
State Farm
I like my agent, the office staff, and I am satisfied with my previous experiences.
I would defintiely recommend that a person at least get a quote from this company to see if it fits their needs
State Farm
I suppose I'd recommend it for it's seamlessness and ease of use. I don't have to dwell too much on the small stuff or any one particular part of this overall hassle.
I would recommend it because of cheap rates. From the other side, it is very convenient because of its online access 24/7
The Hartford
My insurance company insured my house for the amount of insurance that I wanted. The age of my house other insurance companies won't insure it but for a certain amount.
I would have to say it is a combination of things. Our Allstate representative is outstanding, the coverage is excellent and the claim process is fair and rapid.
Since we have had no issues or claims, I can not say how I feel about their claims, but as far as their services, we are satisfied.