Oak Park Insurance Rates:

Oak Park, MI homeowners insurance is nearly $617 to $841, about $51-$70/month. Our complete analysis indicates shoppers can save upto $291 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
It covers pretty much all natural disasters except flooding which i would have to get another insurance policy to cover that.its really pain for me,
Progressive
Their website is easily accessible, making it easy to update your information or make changes to your policy in your own time.
Foremost
They have been around for a long time.they are not well known but are very experienced in the industry.they are a small company and while not local they do get the job done and i have been very satisfied with my dealings with them so far which has been nearly four years now for me.|
Farmer's Insurance
We have only communicated with one agent since being with the company. She has always been very helpful and made things convenient for us.
Auto Owners
The only small dislike I have is the initial difficulty is finding a local agent that is going to offer a competitive rate via email. It seems like I had a gauntlet of questions to answer just to get a rate---that could only be given on the phone. The insurance agents implied the questions were to ensure I get the best rate but I am leery that it was to gather more information to sell me more products.
Foremost Insurance
The only time they communicate with me is when they want me premium paid and if you do not get the payment in on time they threaten you that they will no longer cover you under the policy.
Geico
I like how they don't bother me with flyers or mail. I just log in to the website when I need information. I control the interaction.
Allstate
While I can find lower premiums, none offer a flat deductible. Most change the deductible to a percentage of the insured value when a named storm comes through. I have a good relationship with my local agent.

Oak Park, MI Homeowners Insurance By Home Value

Oak Park, MI Home Value Total Homes % of Total Average Oak Park, MI Homeowners Insurance
Less than $50,000 863 12.0% $182
$50,000 to $59,999 358 5.0% $393
$60,000 to $69,999 590 8.0% $488
$70,000 to $79,999 573 8.0% $561
$80,000 to $89,999 735 10.0% $634
$90,000 to $99,999 433 6.0% $714
$100,000 to $124,999 1,219 17.0% $823
$125,000 to $149,999 735 10.0% $1035
$150,000 to $174,999 624 9.0% $1224
$175,000 to $199,999 169 2.0% $1414
$200,000 to $249,999 412 6.0% $1698
$250,000 to $299,999 74 1.0% $2077

Top Home Insurance Agents Near Oak Park, MI

Home Insurance Company Near Oak Park, MI Homeowners Insurance Agency Near Oak Park, MI Address
NA Brownrigg Companies Ltd 333 W Fort St 333 W Fort St, Detroit, MI, 48226
State Farm Brian Olender 121 E Lake St, South Lyon, MI, 48178-1408
State Farm Doug Halabicky 566 S Cedar St, Imlay City, MI, 48444-1345
Allstate Duane Elkins 321 W University Dr, Rochester, MI, 48307
State Farm Eric Steffes 36520 Grand River Ave Ste 101, Farmingtn Hls, MI, 48335-3014

Cost Of Homeowners Insurance By Street Near Oak Park, MI

Streets in Oak Park Area Homeowners Insurance Cost
Cloverdale St, Condon St, Kipling St, Kingston St, Raine St, Breckenridge Ave, Wildwood St, Irvine Blvd, Troy St, Marlow Ct$725
Marlowe Pl, Ronald Ct, Woodside St, Elgin St, Majestic St, Eastwood St, Manhattan St, Ridgedale St, Mc Clain Dr, Pembroke Rd$742
Rosemary Blvd, Avon Rd, Gardner St, Manhattan Pl, Webster St, Northfield Blvd, Ludlow Ave, Dundee Rd, Rosewood Ct, Harding Sq$760
Jerome St, Roanoke Ave, Greenbriar St, Saratoga St, Kenosha St, Nadine St, Fern St, Talbot Ave, Concord Rd, Dundee St$845
Kenberton St, Elaine Ct, Labelle St, Sterling Ct, Kenberton Dr, Radclift St, Oneida St, Gardner St, Salem Rd, Pinehurst Ave$734

Oak Park, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oak Park$108 to $111
Huntington Woods$125
Royal Oak charter$107
Pleasant Ridge$123

Oak Park, 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
Huntington Woods city, Michigan $125 $167 $251
Royal Oak charter township, Oakland County, Michigan $107 $143 $215
Pleasant Ridge city, Michigan $123 $164 $246

Oak Park, 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
Oak Park, MI4.3%10.8%
Huntington Woods2.96%10.36%
Royal Oak charter4.56%10.03%
Pleasant Ridge3.61%10.52%

Oak Park Renters Insurance as a Percentage of Rent

Oak Park Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 48 1.0% $358
$300 to $499 221 4.0% $1258
$500 to $749 794 17.0% $1933
$750 to $999 965 21.0% $2683
$1,000 to $1,499 2,263 49.0% $3808
$1,500 or more 264 5.0% $5458

Oak Park, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Oak Park Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $8,400$7,400
Net Savings to Oak Park Home Owner from High Deductible Plan $1,000

Oak Park, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oak Park, MI Home Replacement Value MORE than Home Value Oak Park, MI Home Replacement Value LESS than Home Value
Replacement Value $100,000 $76,000
Insurance Premium based on Replacement Value $450 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,500 Risk Exposure from Under Insuring Coverage is $10,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Oak Park Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 354964
Year Built 195219631975
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths3 Beds, 2 Baths
Coverage Amount $125000-$150000$175000-$200000$125000-$150000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1966 165,000 Composition Roof 2,570 4 $500 Deductible 530 8 Vinyl siding No
1959 165,000 Wood Shake Roof 2,170 3 $500 Deductible 230 3 Vinyl siding yes
1955 95,000 Slate Shingles Roof 1,520 3 $1000-$2500 Deductible 70 2 Stucco siding No
1972 165,000 Slate Shingles Roof 2,290 4 $5000 to $10,000 Deductible 260 8 Stucco siding No
1964 220,000 Tile Roof 2,720 4 $500 Deductible 610 8 Brick siding No
1971 105,000 Metal Roof 1,720 3 $500- $1000 Deductible 210 7 Brick siding No
1972 75,000 Metal Roof 1,400 3 $1000-$2500 Deductible 120 4 Vinyl siding No
1969 205,000 Composition Roof 2,830 4 $2500-$5000 Deductible 280 4 Fiber-Cement Siding No
1962 120,000 Slate Shingles Roof 2,050 3 $1000-$2500 Deductible 250 6 Brick siding yes
1975 195,000 Wood Shake Roof 2,970 4 $5000 to $10,000 Deductible 340 6 Fiber-Cement Siding No
1968 80,000 Composition Roof 1,430 3 $1000-$2500 Deductible 230 12 Fiber-Cement Siding yes
1961 105,000 Tile Roof 1,500 3 $1000-$2500 Deductible 230 5 Wood siding No
1952 85,000 Shingles Roof 1,280 3 $500 Deductible 80 3 Stone Siding yes
1976 115,000 Membrane Roof 2,070 3 $2500-$5000 Deductible 380 9 Brick siding No
1975 185,000 Metal Roof 2,450 4 $500- $1000 Deductible 610 12 Brick siding No
1970 190,000 Asphalt Shingles Roof 2,880 4 $2500-$5000 Deductible 260 6 Fiber-Cement Siding No
1966 175,000 Membrane Roof 2,300 4 $2500-$5000 Deductible 560 9 Fiber-Cement Siding yes
1977 175,000 Membrane Roof 2,230 3 $500 Deductible 570 9 Fiber-Cement Siding No
1960 185,000 Wood Shake Roof 2,350 3 $1000-$2500 Deductible 420 6 Fiber-Cement Siding yes
1957 140,000 Composition Roof 1,730 3 $1000-$2500 Deductible 170 3 Stucco siding yes
1962 260,000 Composition Roof 3,350 4 $500- $1000 Deductible 880 10 Stone Siding No
1963 150,000 Tile Roof 1,950 4 $2500-$5000 Deductible 440 9 Vinyl siding No
1969 125,000 Composition Roof 1,750 4 $1000-$2500 Deductible 260 7 Stone Siding yes