Rochester Insurance Rates:

Rochester, MI homeowners insurance is nearly $698 to $966, about $58-$80/month. Our thorough research shows customers can save as much as $332 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Rochester, MI Homeowners Insurance By Home Value

Rochester, MI Home Value Total Homes % of Total Average Rochester, MI Homeowners Insurance
Less than $50,000 85 2.0% $74
$50,000 to $59,999 55 1.0% $166
$60,000 to $69,999 70 2.0% $199
$70,000 to $79,999 73 2.0% $232
$80,000 to $89,999 136 4.0% $266
$90,000 to $99,999 68 2.0% $299
$100,000 to $124,999 160 5.0% $341
$125,000 to $149,999 127 4.0% $432
$150,000 to $174,999 287 9.0% $507
$175,000 to $199,999 200 6.0% $590
$200,000 to $249,999 496 16.0% $715
$250,000 to $299,999 430 14.0% $873
$300,000 to $399,999 852 28.0% $1106

Top Home Insurance Agents Near Rochester, MI

Home Insurance Company Near Rochester, MI Homeowners Insurance Agency Near Rochester, MI Address
State Farm Elizabeth Wilder 2006 Monroe St, Dearborn, MI, 48124-2921
State Farm Johnson Oluwole 185 N Groesbeck Hwy, Mount Clemens, MI, 48043-1550
NA Lenahan Insurance Agency, Inc. 20535 Mack Ave Grosse Pointe Woods, Grosse Pointe Woods, MI, 48236
State Farm Amy Bashi 1145 W Long Lake Rd Ste 300, Bloomfld Hls, MI, 48302-1364
Travelers Aon Risk Services Central Inc 3000 TOWN CTR STE 3000, SOUTHFIELD, MI, 48075

Cost Of Homeowners Insurance By Street Near Rochester, MI

Streets in Rochester Area Homeowners Insurance Cost
W University Dr, North Ln, Rock Valley Dr, Aspen Ct, Maywood Ave, Willow Grove Ct, Albertson St, Ludlow Ave, S Helen Ave, Glenmoor Dr$825
Bloomview Cir, Pebble Creek Dr, W 3rd St, Waycroft Ct, Bloomer Ridge Dr, Hollow Corners Ct, Terra Ln, May St, Stony Pointe Blvd, Fraser St$871
Maple Creek Ct, Snowy Owl Ct, Peach St, Griggs St, Springview Dr, Stony Creek Dr, Harrison St, Ross Ln, Watson Cir, Romeo Rd$886
Letica Dr, Ironwood Ct, Lysander St, Moran Dr, State Hwy 150, Terry Ave, Hemlock Dr, Cumberland Ridge Ct, Pebble Ridge Dr, Pointe Place Ct$806
6th St, Springview Ct, E 4th St, S Alice Ave, Campbell St, Ferndale Ave, Abandoned RR, W 2nd St, Axford Pl, E 3rd St$811

Rochester, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Rochester$123 to $126
Rochester Hills$120
Shelby charter$118
Oakland charter$129

Rochester, 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
Rochester Hills city, Michigan $101 $134 $201
Shelby charter township, Macomb County, Michigan $99 $131 $197
Oakland charter township, Oakland County, Michigan $108 $144 $216

Rochester, 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
Rochester, MI3.3%10.5%
Rochester Hills3.47%10.23%
Shelby charter3.73%11.5%
Oakland charter3.12%10.83%

Rochester Renters Insurance as a Percentage of Rent

Rochester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 749 43.0% $1865
$750 to $999 350 20.0% $2615
$1,000 to $1,499 364 21.0% $3740
$1,500 or more 240 14.0% $5390

Rochester, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$8,700
Yearly Rochester Homeowner Insurance Premium Example $4,400$2,800
Out of Pocket Expense During Claim$700$8,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $27,100$25,500
Net Savings to Rochester Home Owner from High Deductible Plan $1,600

Rochester, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rochester, MI Home Replacement Value MORE than Home Value Rochester, MI Home Replacement Value LESS than Home Value
Replacement Value $243,000 $172,000
Insurance Premium based on Replacement Value $1,375 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $45,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $150/year

Example Rochester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateChubb Group of Insurance
Monthly Premium 8668124
Year Built 196719851976
Home Details 4 Beds, 3 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $300000-$350000$200000-$250000$300000-$350000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1947 415,000 Tile Roof 3,130 4 $500 Deductible 1130 5 Fiber-Cement Siding yes
2001 225,000 Tile Roof 1,960 4 $2500-$5000 Deductible 70 1 Fiber-Cement Siding yes
2010 200,000 Slate Shingles Roof 1,420 3 $500- $1000 Deductible 570 8 Fiber-Cement Siding No
1981 290,000 Membrane Roof 2,260 3 > $10,000 Deductible 410 5 Brick siding yes
1977 285,000 Slate Shingles Roof 2,080 3 $500- $1000 Deductible 1070 12 Wood siding yes
1941 170,000 Asphalt Shingles Roof 1,070 2 $500- $1000 Deductible 550 12 Stone Siding No
2013 230,000 Composition Roof 2,020 3 $1000-$2500 Deductible 880 10 Fiber-Cement Siding yes
1972 305,000 Composition Roof 2,300 4 $500- $1000 Deductible 630 5 Brick siding No
1986 200,000 Shingles Roof 1,520 5 $500- $1000 Deductible 110 2 Stone Siding No
2002 200,000 Asphalt Shingles Roof 1,360 2 > $10,000 Deductible 130 3 Vinyl siding yes
1981 230,000 Composition Roof 1,610 2 > $10,000 Deductible 520 7 Vinyl siding yes
1971 400,000 Tile Roof 2,430 4 $500- $1000 Deductible 600 4 Stone Siding No
2003 320,000 Asphalt Shingles Roof 2,560 4 $500 Deductible 350 3 Brick siding No
2013 190,000 Slate Shingles Roof 1,290 3 $500- $1000 Deductible 210 3 Brick siding No
1964 165,000 Membrane Roof 1,410 3 $5000 to $10,000 Deductible 290 7 Brick siding yes
1983 290,000 Metal Roof 2,360 3 $500 Deductible 950 8 Vinyl siding yes
2006 160,000 Wood Shake Roof 1,250 3 $1000-$2500 Deductible 420 9 Stucco siding yes
1940 425,000 Composition Roof 3,060 4 $500- $1000 Deductible 990 4 Wood siding yes
1967 400,000 Slate Shingles Roof 3,140 4 $500- $1000 Deductible 1850 12 Brick siding yes
2010 255,000 Wood Shake Roof 1,620 4 $5000 to $10,000 Deductible 540 8 Stucco siding No
2013 150,000 Wood Shake Roof 1,210 2 $500- $1000 Deductible 240 4 Wood siding yes
2002 260,000 Metal Roof 1,900 3 $2500-$5000 Deductible 710 10 Wood siding yes
2007 215,000 Metal Roof 1,830 3 $500- $1000 Deductible 210 3 Vinyl siding yes
1964 160,000 Tile Roof 1,260 2 $2500-$5000 Deductible 90 2 Brick siding No
1942 330,000 Composition Roof 2,250 4 $5000 to $10,000 Deductible 240 2 Stone Siding yes
1987 415,000 Tile Roof 3,150 5 $500- $1000 Deductible 780 4 Fiber-Cement Siding yes
1949 280,000 Composition Roof 2,000 3 $500 Deductible 780 6 Brick siding No
1989 170,000 Shingles Roof 1,400 3 $5000 to $10,000 Deductible 130 3 Stucco siding yes
1984 485,000 Metal Roof 3,930 5 $500- $1000 Deductible 2840 12 Stucco siding yes
1971 285,000 Shingles Roof 1,740 2 > $10,000 Deductible 220 4 Wood siding No
1941 330,000 Composition Roof 2,820 4 $1000-$2500 Deductible 1170 10 Vinyl siding No
1942 575,000 Slate Shingles Roof 4,540 5 $2500-$5000 Deductible 330 2 Fiber-Cement Siding No