Muskegon Heights Insurance Rates:

Muskegon Heights, MI homeowners insurance is approximately $592 to $805, about $49-$67/month. Our all inclusive guide indicates shoppers can save upto $279 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Muskegon Heights, MI Homeowners Insurance By Home Value

Muskegon Heights, MI Home Value Total Homes % of Total Average Muskegon Heights, MI Homeowners Insurance
Less than $50,000 1,101 55.0% $362
$50,000 to $59,999 210 10.0% $774
$60,000 to $69,999 212 10.0% $956
$70,000 to $79,999 124 6.0% $1102
$80,000 to $89,999 72 3.0% $1256
$90,000 to $99,999 31 1.0% $1402
$100,000 to $124,999 110 5.0% $1626
$125,000 to $149,999 77 3.0% $2031
$175,000 to $199,999 28 1.0% $2771

Top Home Insurance Agents Near Muskegon Heights, MI

Home Insurance Company Near Muskegon Heights, MI Homeowners Insurance Agency Near Muskegon Heights, MI Address
NA Lenz-Balders Insurance 10263 Chicago Drive, Zeeland, MI, 49464
State Farm Greg Winczewski 629 Michigan St NE Ste D, Grand Rapids, MI, 49503-3587
State Farm Jason Ryan 1906 Holton Rd Ste A, N Muskegon, MI, 49445-1685
Allstate John Kozlowski 8980 N Rodgers Ct SE Ste F, Caledonia, MI, 49316
Travelers Thum Insurance Agency 3140 3 MILE RD NE, GRAND RAPIDS, MI, 49525

Muskegon Heights, 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
Roosevelt Park city, Michigan $92 $122 $183
Muskegon city, Michigan $89 $119 $178
Norton Shores city, Michigan $93 $124 $186

Muskegon Heights, 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
Muskegon Heights, MI6.9%15.2%
Roosevelt Park5.7%15.5%
Muskegon6.41%17.02%
Norton Shores4.87%14.13%

Muskegon Heights Renters Insurance as a Percentage of Rent

Muskegon Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 219 10.0% $378
$200 to $299 120 5.0% $828
$300 to $499 325 15.0% $1278
$500 to $749 612 29.0% $1953
$750 to $999 587 28.0% $2703
$1,000 to $1,499 205 9.0% $3828

Muskegon Heights, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Muskegon Heights Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,400$5,800
Net Savings to Muskegon Heights Home Owner from High Deductible Plan $600

Muskegon Heights, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Muskegon Heights, MI Home Replacement Value MORE than Home Value Muskegon Heights, MI Home Replacement Value LESS than Home Value
Replacement Value $67,000 $41,500
Insurance Premium based on Replacement Value $400 $250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,000 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $75/year

Example Muskegon Heights Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceState Farm
Monthly Premium 302430
Year Built 195119621973
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $100000-$125000$50000-$75000$100000-$125000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1973 115,000 Shingles Roof 2,020 4 $500- $1000 Deductible 200 5 Fiber-Cement Siding No
1974 105,000 Wood Shake Roof 1,860 3 $500 Deductible 200 7 Wood siding yes
1974 135,000 Shingles Roof 2,730 4 $500 Deductible 250 4 Stone Siding yes
1968 140,000 Membrane Roof 2,580 4 $2500-$5000 Deductible 170 4 Stone Siding No
1956 110,000 Wood Shake Roof 1,970 3 $500 Deductible 50 1 Wood siding No
1958 90,000 Wood Shake Roof 2,260 3 $2500-$5000 Deductible 20 1 Stucco siding yes
1943 80,000 Metal Roof 1,800 4 $500 Deductible 490 12 Fiber-Cement Siding No
1940 80,000 Metal Roof 1,670 4 $2500-$5000 Deductible 190 6 Fiber-Cement Siding yes
1953 95,000 Tile Roof 2,250 3 $1000-$2500 Deductible 200 7 Stone Siding No
1943 135,000 Membrane Roof 3,010 4 $1000-$2500 Deductible 440 10 Wood siding yes
1956 145,000 Tile Roof 3,000 4 $500- $1000 Deductible 340 6 Vinyl siding yes
1941 95,000 Tile Roof 1,880 3 $500 Deductible 370 7 Brick siding No
1952 90,000 Composition Roof 1,630 3 $1000-$2500 Deductible 30 1 Stucco siding yes
1948 110,000 Metal Roof 1,970 4 $2500-$5000 Deductible 170 6 Vinyl siding yes
1966 90,000 Membrane Roof 2,010 3 $500 Deductible 40 1 Brick siding yes
1942 55,000 Shingles Roof 1,230 3 $500- $1000 Deductible 20 1 Fiber-Cement Siding No
1964 50,000 Shingles Roof 1,210 3 $1000-$2500 Deductible 60 3 Fiber-Cement Siding yes
1979 90,000 Slate Shingles Roof 1,870 3 $2500-$5000 Deductible 60 2 Vinyl siding No
1950 130,000 Shingles Roof 2,620 4 $1000-$2500 Deductible 500 12 Stone Siding No
1972 130,000 Asphalt Shingles Roof 2,800 4 $500 Deductible 680 12 Stone Siding yes
1947 165,000 Metal Roof 2,940 4 $500 Deductible 410 6 Wood siding yes
1949 140,000 Tile Roof 3,140 4 $1000-$2500 Deductible 290 7 Fiber-Cement Siding yes
1967 75,000 Membrane Roof 1,900 3 $500- $1000 Deductible 160 5 Wood siding No
1973 120,000 Slate Shingles Roof 3,170 4 $1000-$2500 Deductible 110 2 Vinyl siding yes
1952 90,000 Shingles Roof 1,820 3 $2500-$5000 Deductible 260 12 Vinyl siding yes
1947 70,000 Tile Roof 1,360 3 $1000-$2500 Deductible 230 9 Stucco siding No
1976 85,000 Shingles Roof 1,810 3 $500- $1000 Deductible 130 6 Vinyl siding yes
1969 50,000 Composition Roof 1,220 3 $500- $1000 Deductible 60 4 Wood siding No