Livonia Insurance Rates:

Livonia, MI homeowners insurance is approximately $653 to $885, about $54-$73/month. Our exhaustive guide indicates shoppers can save upto $307 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
Progressive offers a variety of protection options. there is something unique for each individual situation. this makes creating the perfect policy easy and worry-free.
Safeco Insurance
First year my insurance cost 330 and now ( 5th year) it is 550 for the same house. so the price went up very much.
Allstate
This company's advertising is often interesting, informative, and concise, with good messages. their commercials are generally enjoyable and not irritating.
Farmer's Insurance
The insurance company we use is great. They do their best to explain everything to you in detail and are very helpful and understanding. They answer any questions you have and get back to you very fast.
Geico
Overall I like everything about the company. I have never had any real complaints. The staff, the coverage, and the cost has all be perfect for my family.
Foremost Insurance
So, nobody is a five because we all think insurance companies charge too much. However, given Hurricane Irma hit this area pretty hard, they people who had Foremost got the best replacement value hands down.
Liberty Mutual
When we moved here we were very pleased to meet the people at auto owners. They were friendly and treated us like family, offered us coffee in the office, etc.
State Farm
No complaints really. The website thing is a little confusing but not even close to being a deal breaker for me. I see no reason to change insurance companies.

Livonia, MI Homeowners Insurance By Home Value

Livonia, MI Home Value Total Homes % of Total Average Livonia, MI Homeowners Insurance
Less than $50,000 1,214 3.0% $115
$50,000 to $59,999 531 1.0% $246
$60,000 to $69,999 659 2.0% $307
$70,000 to $79,999 607 1.0% $353
$80,000 to $89,999 1,103 3.0% $407
$90,000 to $99,999 1,031 3.0% $453
$100,000 to $124,999 4,220 13.0% $522
$125,000 to $149,999 4,153 13.0% $653
$150,000 to $174,999 6,157 19.0% $776
$175,000 to $199,999 3,887 12.0% $899
$200,000 to $249,999 4,370 13.0% $1076
$250,000 to $299,999 2,506 7.0% $1314
$300,000 to $399,999 1,167 3.0% $1676

Top Home Insurance Agents Near Livonia, MI

Home Insurance Company Near Livonia, MI Homeowners Insurance Agency Near Livonia, MI Address
NA Republic Underwriters Inc 1640 Axtell Drive, Troy, MI, 48084
Farmers Aaron Sweeten 2246 N Lapeer Rd, Lapeer, MI, 48446
State Farm Clare Longoria 814 S Main St, Lapeer, MI, 48446-3073
Travelers Pennsylvania Power & Light - Aa C/O SEABURY &amp SMITH 4 PARKLANE BLVD STE 414, DEARBORN, MI, 48126
State Farm Rick Jackson 11225 S Saginaw St Ste 5, Grand Blanc, MI, 48439-1285

Cost Of Homeowners Insurance By Street Near Livonia, MI

Streets in Livonia Area Homeowners Insurance Cost
Jamison St, Pickford Dr, Bobrich, Heyer St, Floral Ave, Hix Rd, Shadyside, Louisiana St, Hizmet Dr, Dowling St$774
Bainbridge, Sunbury, Carol Dr, Hillcrest, Fairfax Ct, Sleepy Hollow, Perth Ct, Greenland St, Oxbow, Hees St$759
Laurel, Ashurst, Shadyside, Susanna Dr, Mayfield Ave, Roycroft Ct, Nola, Margareta Dr, Stamford Ct, Purlingbrook$791
Jamison Ave, Riga, Barkley, Grandon Ave, Whitby, Ladywood, Lamar Ln, Bristol Dr, Kingsbury Ave, Western Golf Dr$768
E Deborah Ct, Lawrence Dr, Liverpool St, Morningstar St, Shay Ct, Bennett Ct, Sarah Beth, Banbury, Richfield St, Josie$833

Livonia, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Livonia$115 to $117
Redford charter$108
Farmington$115
Plymouth$118

Livonia, 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
Redford charter township, Wayne County, Michigan $90 $120 $180
Farmington city, Michigan $96 $128 $192
Plymouth city, Michigan $99 $131 $197

Livonia, 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
Livonia, MI4.2%12.6%
Redford charter4.93%13.81%
Farmington3.99%10.85%
Plymouth3.65%12.4%

Livonia Renters Insurance as a Percentage of Rent

Livonia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 64 1.0% $332
$200 to $299 193 4.0% $782
$300 to $499 342 7.0% $1232
$500 to $749 957 20.0% $1907
$750 to $999 1,391 29.0% $2657
$1,000 to $1,499 1,156 24.0% $3782
$1,500 or more 548 11.0% $5432

Livonia, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$2,500
Yearly Livonia Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $7,000$6,500
Net Savings to Livonia Home Owner from High Deductible Plan $500

Livonia, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Livonia, MI Home Replacement Value MORE than Home Value Livonia, MI Home Replacement Value LESS than Home Value
Replacement Value $306,500 $192,000
Insurance Premium based on Replacement Value $1,850 $1,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $74,500 Risk Exposure from Under Insuring Coverage is $40,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $450/year

Example Livonia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyState FarmChubb Group of Insurance
Monthly Premium 579650
Year Built 196419711981
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$250000-$300000$200000-$250000
Deductible > $10,000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Livonia, 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 185,000 Wood Shake Roof 2,330 5 $2500-$5000 Deductible 230 5 Vinyl siding No
1971 210,000 Metal Roof 2,320 4 $500 Deductible 330 3 Stone Siding yes
1972 215,000 Asphalt Shingles Roof 1,980 3 $500- $1000 Deductible 300 4 Stucco siding No
1987 405,000 Shingles Roof 4,590 5 > $10,000 Deductible 300 3 Vinyl siding No
1962 225,000 Metal Roof 2,180 3 $1000-$2500 Deductible 400 6 Vinyl siding No
1983 290,000 Membrane Roof 3,160 4 $5000 to $10,000 Deductible 320 4 Brick siding yes
1965 145,000 Asphalt Shingles Roof 1,580 3 $500- $1000 Deductible 180 4 Brick siding No
1962 255,000 Tile Roof 2,350 5 $5000 to $10,000 Deductible 530 9 Wood siding yes
1972 295,000 Metal Roof 2,600 4 > $10,000 Deductible 290 5 Brick siding yes
1977 260,000 Membrane Roof 3,140 5 > $10,000 Deductible 90 2 Fiber-Cement Siding No
1966 150,000 Tile Roof 1,640 4 $500- $1000 Deductible 720 12 Vinyl siding No
1989 155,000 Asphalt Shingles Roof 1,480 3 $1000-$2500 Deductible 570 9 Vinyl siding No
1975 245,000 Membrane Roof 3,200 5 $2500-$5000 Deductible 140 2 Vinyl siding yes
1969 230,000 Slate Shingles Roof 2,610 4 > $10,000 Deductible 290 5 Stone Siding No
1969 250,000 Membrane Roof 2,880 4 $2500-$5000 Deductible 260 5 Wood siding yes
1981 510,000 Composition Roof 4,560 5 $2500-$5000 Deductible 1940 12 Wood siding yes
1965 195,000 Shingles Roof 2,450 4 $5000 to $10,000 Deductible 560 10 Stone Siding yes
1982 285,000 Tile Roof 3,130 4 $1000-$2500 Deductible 850 7 Brick siding yes
1974 270,000 Metal Roof 2,340 4 $1000-$2500 Deductible 1050 10 Fiber-Cement Siding No
1962 305,000 Asphalt Shingles Roof 2,940 4 $500 Deductible 1910 12 Fiber-Cement Siding No
1976 145,000 Asphalt Shingles Roof 1,840 4 $500 Deductible 390 5 Wood siding yes
1985 140,000 Wood Shake Roof 1,810 3 $500- $1000 Deductible 540 12 Brick siding yes
1981 425,000 Composition Roof 4,970 5 $2500-$5000 Deductible 590 6 Stucco siding yes
1966 320,000 Tile Roof 2,840 5 $2500-$5000 Deductible 90 1 Vinyl siding No
1977 185,000 Wood Shake Roof 2,330 4 $5000 to $10,000 Deductible 120 3 Vinyl siding yes
1978 190,000 Asphalt Shingles Roof 2,190 4 $1000-$2500 Deductible 350 6 Brick siding No
1965 140,000 Slate Shingles Roof 1,390 3 $500- $1000 Deductible 270 5 Stone Siding yes
1960 225,000 Metal Roof 2,950 4 $500 Deductible 630 9 Stone Siding yes
1969 260,000 Shingles Roof 2,223 4 > $10,000 Deductible 2290 12 Stucco siding No