Ludington Insurance Rates:

Ludington, MI homeowners insurance is nearly $618 to $854, about $51-$71/month. Our detailed research reveals consumers can save as much as $294 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ludington, MI Homeowners Insurance By Home Value

Ludington, MI Home Value Total Homes % of Total Average Ludington, MI Homeowners Insurance
Less than $50,000 151 8.0% $169
$50,000 to $59,999 103 5.0% $353
$60,000 to $69,999 96 5.0% $441
$70,000 to $79,999 112 6.0% $507
$80,000 to $89,999 269 14.0% $574
$90,000 to $99,999 163 8.0% $640
$100,000 to $124,999 235 12.0% $743
$125,000 to $149,999 153 8.0% $934
$150,000 to $174,999 264 14.0% $1104
$175,000 to $199,999 58 3.0% $1273
$200,000 to $249,999 138 7.0% $1530
$250,000 to $299,999 33 1.0% $1869
$300,000 to $399,999 78 4.0% $2377

Top Home Insurance Agents Near Ludington, MI

Home Insurance Company Near Ludington, MI Homeowners Insurance Agency Near Ludington, MI Address
NA The White Agency, Inc. 52 West Main St, Fremont, MI, 49412
NA Magee Insurance Group 5965 E Ave, Ludington, MI, 49431
NA Biller Insurance Agency, Inc. 14314 Northland Drive , Big Rapids, MI, 49307
State Farm Erin Doan 134 S Main St, Scottville, MI, 49454-1221
Allstate Smith & Eddy Ins 907 S State St, Hart, MI, 49420

Cost Of Homeowners Insurance By Street Near Ludington, MI

Streets in Ludington Area Homeowners Insurance Cost
20th St, W Snead Dr, Abrahamson Rd, W Lakeshore Cir, No Name Rd, E Washington Dr, W Lattin Rd, E Melendy St, W Foster St, Kennedy Blvd$762
Travis Dr, White Swan Ln, W Park View Ct, S Scottville Rd, Russell St, E Tinkham Ave, N Dennis Rd, S Ave A, W Hansen Rd, W Forest Meadows Dr$770
W Stray St, E Foster St, Middleton Rd, N Canal St, Resseguie St, E Longfellow St, E Pere Marquette St, N Rath Rd, W Groth Rd, N James St$730
Vogel St, E Ludington Ave, S Lasalle Rd, Conrad Industrial Dr, S Beaune Rd, N Wilson Ln, Dexter St, Breckenridge, W Marrison Rd, S Madison St$762
N Lewis St, Ann St, Pleasant Ridge Rd, W Pere Marquette St, N William St, Ohio St, Pine St, Bluegill Ln, State Hwy 116, 19th St$777

Ludington, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ludington$109 to $111
Pere Marquette charter$115
Amber$114
Victory$112

Ludington, 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
Pere Marquette charter township, Mason County, Michigan $96 $128 $192
Amber township, Mason County, Michigan $95 $127 $190
Hamlin township, Mason County, Michigan $97 $129 $193

Ludington, 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
Ludington, MI6.1%14.6%
Pere Marquette charter5.2%13.82%
Amber5.76%15.55%
Hamlin5.44%14.02%

Ludington Renters Insurance as a Percentage of Rent

Ludington Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 50 3.0% $353
$200 to $299 106 6.0% $803
$300 to $499 420 26.0% $1253
$500 to $749 529 32.0% $1928
$750 to $999 362 22.0% $2678
$1,000 to $1,499 96 5.0% $3803
$1,500 or more 48 2.0% $5453

Ludington, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Ludington Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,500$5,900
Net Savings to Ludington Home Owner from High Deductible Plan $600

Ludington, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ludington, MI Home Replacement Value MORE than Home Value Ludington, MI Home Replacement Value LESS than Home Value
Replacement Value $210,000 $125,500
Insurance Premium based on Replacement Value $875 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $44,000 Risk Exposure from Under Insuring Coverage is $40,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $175/year

Example Ludington Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateFarmers Insurance
Monthly Premium 404562
Year Built 196319481982
Home Details 5 Beds, 3 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $100000-$125000$100000-$125000$175000-$200000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1963 130,000 Tile Roof 1,750 5 $1000-$2500 Deductible 270 7 Wood siding yes
1946 135,000 Wood Shake Roof 1,870 3 $500- $1000 Deductible 320 7 Stone Siding yes
1941 295,000 Slate Shingles Roof 4,730 5 $2500-$5000 Deductible 730 9 Stucco siding No
1942 180,000 Membrane Roof 2,430 5 $5000 to $10,000 Deductible 320 9 Vinyl siding No
1949 225,000 Shingles Roof 3,270 4 $500- $1000 Deductible 300 3 Fiber-Cement Siding No
1943 225,000 Tile Roof 3,260 4 $500 Deductible 710 7 Vinyl siding No
1946 105,000 Wood Shake Roof 1,750 4 $1000-$2500 Deductible 360 8 Fiber-Cement Siding No
1967 380,000 Metal Roof 4,450 5 $1000-$2500 Deductible 1100 8 Fiber-Cement Siding No
1941 115,000 Slate Shingles Roof 1,510 2 $500- $1000 Deductible 140 3 Stone Siding No
1942 115,000 Shingles Roof 1,510 3 $1000-$2500 Deductible 260 8 Brick siding yes
1968 110,000 Wood Shake Roof 1,510 3 $2500-$5000 Deductible 130 4 Stone Siding yes
1986 105,000 Composition Roof 1,740 3 $2500-$5000 Deductible 270 7 Vinyl siding yes
1961 170,000 Tile Roof 2,860 4 $2500-$5000 Deductible 190 4 Wood siding No
1982 190,000 Tile Roof 2,690 4 $500 Deductible 540 8 Fiber-Cement Siding yes
1985 335,000 Tile Roof 3,980 5 $1000-$2500 Deductible 260 3 Brick siding yes
1944 210,000 Wood Shake Roof 2,710 4 $2500-$5000 Deductible 630 10 Wood siding No
1961 150,000 Slate Shingles Roof 2,330 3 $5000 to $10,000 Deductible 120 3 Brick siding yes
1960 100,000 Tile Roof 1,550 5 $500- $1000 Deductible 250 5 Stucco siding yes
1949 70,000 Shingles Roof 1,080 2 $2500-$5000 Deductible 60 4 Wood siding yes
1967 145,000 Slate Shingles Roof 1,660 2 $2500-$5000 Deductible 310 10 Vinyl siding No
1964 140,000 Composition Roof 1,820 3 $1000-$2500 Deductible 500 9 Wood siding yes
1984 105,000 Wood Shake Roof 1,550 2 $500 Deductible 340 8 Fiber-Cement Siding No
1986 105,000 Composition Roof 1,750 2 $1000-$2500 Deductible 220 6 Vinyl siding No
1949 190,000 Composition Roof 2,280 3 $2500-$5000 Deductible 70 1 Stone Siding yes
1982 145,000 Tile Roof 1,700 3 $500- $1000 Deductible 450 7 Stone Siding yes
1941 195,000 Tile Roof 2,790 5 $500- $1000 Deductible 340 5 Stone Siding No
1962 105,000 Composition Roof 1,510 2 $1000-$2500 Deductible 210 5 Wood siding yes
1980 240,000 Asphalt Shingles Roof 3,290 4 $5000 to $10,000 Deductible 340 5 Wood siding yes
1949 300,000 Asphalt Shingles Roof 4,940 5 $500- $1000 Deductible 1090 12 Wood siding No
1947 145,000 Composition Roof 1,690 4 $1000-$2500 Deductible 360 10 Fiber-Cement Siding yes