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.
| Home Insurance Company Near Livonia, MI | Homeowners Insurance Agency Near Livonia, MI | Address |
|---|---|---|
| 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 & SMITH 4 PARKLANE BLVD STE 414, DEARBORN, MI, 48126 |
| State Farm | Rick Jackson | 11225 S Saginaw St Ste 5, Grand Blanc, MI, 48439-1285 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Livonia, MI | 4.2% | 12.6% |
| Redford charter | 4.93% | 13.81% |
| Farmington | 3.99% | 10.85% |
| Plymouth | 3.65% | 12.4% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Livonia | $115 to $117 |
| Redford charter | $108 |
| Farmington | $115 |
| Plymouth | $118 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Livonia Homeowner Insurance Premium Example | $2,200 | $1,800 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $16,200 | $15,400 |
| Net Savings to Livonia Home Owner from High Deductible Plan | $800 | |
| Scenario | Livonia, MI Home Replacement Value MORE than Home Value | Livonia, MI Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $265,000 | $153,000 |
| Insurance Premium based on Replacement Value | $1,175 | $675 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $54,000 | Risk Exposure from Under Insuring Coverage is $58,000 |
| Premium Impact | Insurance cheaper by $275/year | Insurance costlier by $225/year |
| Insurance Company | Liberty Mutual | Allstate | Amica Mutual Insurance Company |
| Monthly Premium | 44 | 62 | 54 |
| Year Built | 1963 | 1978 | 1980 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $125000-$150000 | $150000-$175000 | $250000-$300000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |