Royal Oak Insurance Rates:

Royal Oak, MI homeowners insurance is roughly $652 to $885, about $54-$73/month. Our thorough research indicates shoppers can save upto $307 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Farmer's Insurance
I receive a lot of phone calls, junk mail and junk email from my insurance company asking me to sign up for unnecessary coverage and trying to sell me on additional services that i am not interested in.
Farmer's Insurance
My agency has been very helpful to us. if you leave a message they will call you back as soon as they can. i really like our insurance
Wolverine Mutual Insurance
I also don't like that the nearest office is several miles away. i work with an agent that is local, but if i ever have to go to their offices, then i have to drive pretty far away. it would be nice to have a local office, especially considering that there are so many people here locally that use this company.
Auto Owners
I pay $80.00 a month alone for my home insurance, whereas even with bundle packages other companies such as Geico and Allstate wanted well over $100.00 a month, and would have been more once the auto was added. With my auto insurance, I pay a little over 170 each month, and I am very satisfied with this price as it was one of the lower costs I could find. It does not include every coverage I wanted to include, but it fits my budget plan for now.
Foremost
They are friendly and knowledgeable and they do a quick and thorough job. They handle any issue I have very quickly and I have never had a complaint with them.
Foremost Insurance
I believe the premium that I pay is low compared to most insurance companies. My premium has remained the same for the last 10 years

Royal Oak, MI Homeowners Insurance By Home Value

Royal Oak, MI Home Value Total Homes % of Total Average Royal Oak, MI Homeowners Insurance
Less than $50,000 746 3.0% $115
$50,000 to $59,999 304 1.0% $245
$60,000 to $69,999 472 2.0% $307
$70,000 to $79,999 249 1.0% $353
$80,000 to $89,999 609 3.0% $407
$90,000 to $99,999 650 3.0% $453
$100,000 to $124,999 2,202 11.0% $522
$125,000 to $149,999 2,864 15.0% $660
$150,000 to $174,999 4,049 21.0% $775
$175,000 to $199,999 2,585 13.0% $898
$200,000 to $249,999 2,390 12.0% $1082
$250,000 to $299,999 1,027 5.0% $1320
$300,000 to $399,999 763 4.0% $1681

Top Home Insurance Agents Near Royal Oak, MI

Home Insurance Company Near Royal Oak, MI Homeowners Insurance Agency Near Royal Oak, MI Address
State Farm David Johnson 12 Lincoln St, Mount Clemens, MI, 48043-5536
State Farm David Steinhardt 9400 Middlebelt Rd, Livonia, MI, 48150-7002
Liberty Mutual Independent Korotkin Insurance Group 26877 NORTHWESTERN HWY STE 400, SOUTHFIELD, MI, 48033
State Farm Marty O'Neill 22637 Woodward Ave, Ferndale, MI, 48220-1801
Liberty Mutual Independent Mi Insurance Brokers Agency Llc 46551 BROOKRIDGE DRIVE, CANTON, MI, 48187

Cost Of Homeowners Insurance By Street Near Royal Oak, MI

Streets in Royal Oak Area Homeowners Insurance Cost
N Maple Ave, Greenleaf Dr, Elizabeth Ave, la Plaza Ct, Delemere Blvd, Berkshire Rd, S Kenwood Ave, N Connecticut Ave, Upton Ave, Cherry Ave$776
Saint Charles Ct, Ellen Ave, Amelia St, Garden Ave, Fernlee Ave, E Kenilworth Ave, Helene Ave, A, Edgar Ave, Berkshire Rd$749
Mace Ave, Marion Dr, Elmwood Ave, Englewood Ave, E Harwood Ave, Woodlawn Ave, Dallas Ave, Massoit Rd, Sherman Dr, Morse Ave$755
Amelia Ave, S Center St, Glendale Ave, Ardmore Ave, Orchard View Dr, Melody Ct, Rowland Ave, Millard Ave, Laurome Dr, Mohawk Ave$767
Clawson Ave, N Kenwood Ave, Virginia Ave, E Houstonia Ave, W Kenilworth Ave, S Gainsborough Ave, Hawkins Ave, Lafayette Ave, Louis Ave, Girard Ave$787

Royal Oak, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Royal Oak$115 to $117
Berkley$114
Huntington Woods$125
Clawson$112

Royal Oak, 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
Berkley city, Michigan $95 $127 $190
Huntington Woods city, Michigan $105 $139 $209
Clawson city, Michigan $94 $125 $188

Royal Oak, 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
Royal Oak, MI4.3%13.3%
Berkley4.29%13.19%
Huntington Woods2.96%10.36%
Clawson4.35%13.85%

Royal Oak Renters Insurance as a Percentage of Rent

Royal Oak Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 130 1.0% $782
$300 to $499 495 5.0% $1232
$500 to $749 2,544 29.0% $1907
$750 to $999 2,237 25.0% $2657
$1,000 to $1,499 2,313 26.0% $3782
$1,500 or more 890 10.0% $5432

Royal Oak, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$3,600
Yearly Royal Oak Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$600$3,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,000$10,000
Net Savings to Royal Oak Home Owner from High Deductible Plan $1,000

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

Scenario Royal Oak, MI Home Replacement Value MORE than Home Value Royal Oak, MI Home Replacement Value LESS than Home Value
Replacement Value $177,500 $126,500
Insurance Premium based on Replacement Value $825 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,000 Risk Exposure from Under Insuring Coverage is $23,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $125/year

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

Insurance Company State FarmAllstateChubb Group of Insurance
Monthly Premium 2758128
Year Built 194019541973
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $75000-$100000$200000-$250000$350000-$400000
Deductible $2500-$5000 Deductible> $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 185,000 Shingles Roof 1,660 4 $500 Deductible 140 2 Stone Siding No
1967 110,000 Slate Shingles Roof 1,130 2 $500- $1000 Deductible 140 4 Stone Siding yes
1943 125,000 Wood Shake Roof 1,380 2 $1000-$2500 Deductible 90 2 Vinyl siding No
1942 240,000 Slate Shingles Roof 2,150 4 $1000-$2500 Deductible 870 10 Stucco siding No
1973 190,000 Asphalt Shingles Roof 2,110 3 $5000 to $10,000 Deductible 60 1 Vinyl siding yes
1952 85,000 Metal Roof 1,010 2 $2500-$5000 Deductible 230 10 Stucco siding yes
1947 180,000 Wood Shake Roof 2,110 4 $2500-$5000 Deductible 190 3 Fiber-Cement Siding yes
1948 265,000 Composition Roof 3,320 4 $5000 to $10,000 Deductible 170 2 Stucco siding yes
1943 145,000 Metal Roof 1,880 3 $500- $1000 Deductible 280 6 Stone Siding yes
1967 135,000 Shingles Roof 1,350 2 $2500-$5000 Deductible 230 5 Vinyl siding No
1958 160,000 Membrane Roof 1,600 2 $500 Deductible 140 3 Fiber-Cement Siding No
1963 265,000 Wood Shake Roof 2,700 4 $500 Deductible 110 1 Stone Siding yes
1952 255,000 Asphalt Shingles Roof 2,780 4 $1000-$2500 Deductible 160 2 Wood siding No
1960 235,000 Composition Roof 2,640 4 $500- $1000 Deductible 130 1 Brick siding No
1948 270,000 Shingles Roof 2,390 4 > $10,000 Deductible 650 12 Stone Siding No
1949 170,000 Wood Shake Roof 1,950 4 $500 Deductible 250 4 Wood siding No
1950 135,000 Wood Shake Roof 1,390 3 $1000-$2500 Deductible 200 4 Vinyl siding yes
1954 150,000 Slate Shingles Roof 1,840 3 $500- $1000 Deductible 220 3 Stone Siding No
1946 115,000 Membrane Roof 1,080 2 $2500-$5000 Deductible 400 10 Wood siding yes
1955 205,000 Tile Roof 2,440 4 $500 Deductible 1050 10 Stucco siding No
1956 185,000 Slate Shingles Roof 1,640 2 $500- $1000 Deductible 340 5 Fiber-Cement Siding yes
1948 95,000 Asphalt Shingles Roof 1,230 2 $1000-$2500 Deductible 160 5 Wood siding No