Lapeer Insurance Rates:

Lapeer, MI homeowners insurance is about $613 to $841, about $51-$70/month. Our all inclusive analysis shows customers can save as much as $290 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lapeer, MI Homeowners Insurance By Home Value

Lapeer, MI Home Value Total Homes % of Total Average Lapeer, MI Homeowners Insurance
Less than $50,000 453 24.0% $189
$50,000 to $59,999 134 7.0% $399
$60,000 to $69,999 38 2.0% $501
$70,000 to $79,999 125 6.0% $574
$80,000 to $89,999 161 8.0% $654
$90,000 to $99,999 100 5.0% $734
$100,000 to $124,999 293 15.0% $850
$125,000 to $149,999 237 12.0% $1061
$150,000 to $174,999 155 8.0% $1257
$175,000 to $199,999 58 3.0% $1446
$200,000 to $249,999 52 2.0% $1744
$250,000 to $299,999 41 2.0% $2130
$300,000 to $399,999 26 1.0% $2711

Top Home Insurance Agents Near Lapeer, MI

Home Insurance Company Near Lapeer, MI Homeowners Insurance Agency Near Lapeer, MI Address
NA K. A. Sutton Insurance Agency 7227 N Rd , Genesee, MI, 48437
NA R & A Insurance Services Inc 8061 21 Mile Road 8061 21 Mile Road Twp, Shelby, MI, 48317
Allstate Brian Hickman 2308 S Ballenger Hwy, Flint, MI, 48503
Allstate Brian K Hickman 2454 S Center Rd, Burton, MI, 48519
State Farm Mimmo Vitale 909 E Eleven Mile Rd, Royal Oak, MI, 48067

Cost Of Homeowners Insurance By Street Near Lapeer, MI

Streets in Lapeer Area Homeowners Insurance Cost
Holly Lake Rd, Pine St, Raven St, Luxington Dr, W Newark Rd, Greater Oak Dr, Sherman Dr, Wood Dr, Longview Dr, E Hunters Creek Rd$771
Vernot Ln, Fairway Dr, Clark Rd, Sherbrooke Ct, Rooster Trl, Gardner Dr, W Norway Lake Rd, Keeran Dr, Millville Rd, Sweet Clover Ln$765
Horseshoe Ln, Peppermill Rd, Mill Creek Ave, Edwards Way, Old Farm Ln, Cedar Hollow Dr, Courtney's Pl, E County Line, Saint Clair St, Grand Beach Dr$709
Whitney Dr, Hadley Rd, Hawthorne Dr, John Conley Dr, Wilder Rd, Gwen Dr, Higley Rd, Mary Dr, E Oregon St, West St$768
Island Point Dr, Gregory Dr, Myers Rd, Genesee Rd, Haverhill Dr, Cherokee Trl, Hartley St, Bedford St, Liberty St, Don Wayne Dr$769

Lapeer, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lapeer$108 to $111
Elba$115
Mayfield$112
Oregon$114

Lapeer, 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
Elba township, Lapeer County, Michigan $116 $154 $231
Mayfield township, Lapeer County, Michigan $112 $149 $224
Oregon township, Lapeer County, Michigan $115 $153 $230

Lapeer, 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
Lapeer, MI5.3%12.6%
Elba3.72%14.89%
Mayfield4.89%16.45%
Oregon4.64%15.94%

Lapeer Renters Insurance as a Percentage of Rent

Lapeer Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 43 2.0% $359
$200 to $299 217 14.0% $809
$300 to $499 291 19.0% $1259
$500 to $749 395 25.0% $1934
$750 to $999 277 18.0% $2684
$1,000 to $1,499 261 17.0% $3809
$1,500 or more 44 2.0% $5459

Lapeer, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Lapeer Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $3,900$3,300
Net Savings to Lapeer Home Owner from High Deductible Plan $600

Lapeer, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lapeer, MI Home Replacement Value MORE than Home Value Lapeer, MI Home Replacement Value LESS than Home Value
Replacement Value $181,500 $118,500
Insurance Premium based on Replacement Value $1,025 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,500 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $225/year

Example Lapeer Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyChubb Group of InsuranceState Farm
Monthly Premium 324664
Year Built 199919811947
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $75000-$100000$100000-$125000$175000-$200000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 125,000 Wood Shake Roof 1,840 3 $2500-$5000 Deductible 140 3 Wood siding No
1987 150,000 Shingles Roof 1,970 3 $500- $1000 Deductible 260 6 Wood siding No
1947 80,000 Composition Roof 1,340 2 $500- $1000 Deductible 130 6 Fiber-Cement Siding No
1940 95,000 Composition Roof 1,370 2 $2500-$5000 Deductible 210 7 Stucco siding yes
1996 160,000 Slate Shingles Roof 2,180 3 $5000 to $10,000 Deductible 160 4 Stucco siding No
1946 80,000 Slate Shingles Roof 1,330 3 $500 Deductible 180 7 Wood siding No
1993 265,000 Membrane Roof 3,390 4 > $10,000 Deductible 290 7 Fiber-Cement Siding yes
2008 200,000 Composition Roof 2,960 4 $5000 to $10,000 Deductible 670 10 Fiber-Cement Siding yes
1983 85,000 Shingles Roof 1,450 2 $500- $1000 Deductible 100 2 Fiber-Cement Siding yes
1942 110,000 Asphalt Shingles Roof 1,590 3 $2500-$5000 Deductible 150 5 Brick siding yes
1997 185,000 Slate Shingles Roof 3,230 4 $500- $1000 Deductible 900 9 Stone Siding No
1995 80,000 Metal Roof 1,390 3 $2500-$5000 Deductible 170 6 Vinyl siding No
2000 205,000 Slate Shingles Roof 3,210 4 $5000 to $10,000 Deductible 230 4 Brick siding yes
1943 145,000 Membrane Roof 2,010 4 $500 Deductible 570 8 Stucco siding yes
1980 145,000 Membrane Roof 2,410 4 $1000-$2500 Deductible 630 10 Brick siding No
1990 120,000 Shingles Roof 2,180 4 $1000-$2500 Deductible 170 5 Stucco siding No
2007 105,000 Slate Shingles Roof 1,660 3 $500- $1000 Deductible 340 8 Fiber-Cement Siding No
1983 165,000 Asphalt Shingles Roof 2,400 3 $500- $1000 Deductible 410 7 Vinyl siding yes
1944 110,000 Slate Shingles Roof 1,520 3 $2500-$5000 Deductible 200 7 Stucco siding No
1980 95,000 Wood Shake Roof 1,710 2 $500- $1000 Deductible 140 5 Stucco siding yes
1946 115,000 Slate Shingles Roof 1,730 3 $500 Deductible 380 10 Stucco siding No
1983 180,000 Tile Roof 2,220 3 $500- $1000 Deductible 570 7 Wood siding yes
1944 235,000 Tile Roof 3,200 4 $500 Deductible 900 10 Stone Siding No
1944 145,000 Shingles Roof 1,900 3 $500 Deductible 130 2 Brick siding yes
1987 90,000 Metal Roof 1,610 4 $500 Deductible 440 12 Brick siding yes
1946 70,000 Tile Roof 970 2 $2500-$5000 Deductible 90 3 Stone Siding yes
1998 105,000 Membrane Roof 1,550 3 $2500-$5000 Deductible 170 6 Vinyl siding yes
2001 115,000 Membrane Roof 1,710 4 $2500-$5000 Deductible 200 7 Stone Siding No
2004 125,000 Metal Roof 1,590 3 $2500-$5000 Deductible 210 5 Vinyl siding yes
2000 100,000 Composition Roof 1,480 3 $500 Deductible 40 1 Stone Siding No
1942 110,000 Composition Roof 1,810 4 $2500-$5000 Deductible 310 10 Brick siding yes
1989 160,000 Metal Roof 2,370 3 $500 Deductible 310 4 Wood siding yes
1944 130,000 Slate Shingles Roof 1,810 3 $1000-$2500 Deductible 260 6 Stone Siding yes
2000 185,000 Membrane Roof 2,750 4 $2500-$5000 Deductible 830 12 Wood siding yes