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Saginaw, MI Home Values & Insurance Rates

Saginaw, MI Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,096 43.0% $309
$50,000 to $59,999 1,544 13.0% $661
$60,000 to $69,999 1,197 10.0% $816
$70,000 to $79,999 995 8.0% $943
$80,000 to $89,999 794 6.0% $1070
$90,000 to $99,999 594 5.0% $1196
$100,000 to $124,999 684 5.0% $1386
$125,000 to $149,999 297 2.0% $1738
$150,000 to $174,999 216 1.0% $2055
$200,000 to $249,999 123 1.0% $2851
$300,000 to $399,999 142 1.0% $4428

Top Home Insurance Agents Near Saginaw, MI

Home Insurance Company Near Saginaw, MI Homeowners Insurance Agency Near Saginaw, MI Address
NA Liebler Insurance Agency 3521 Vandyke Road 3521 Vandyke Road Marlette, Marlette, MI, 48453
Liberty Mutual Independent Bois Insurance Agency Inc 1456 E Pierson Rd, Flushing, MI, 48433
State Farm Jeff Hunt 4359 Wilder Rd, Bay City, MI, 48706-2207
State Farm Michael Miner 1814 Tittabawassee Rd, Saginaw, MI, 48604-9431
State Farm Roger J Richter 122 S Main St Ste 3, Freeland, MI, 48623-8918

Saginaw, MI 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
Saginaw, MI6.3%14.8%
Buena Vista6.08%16.55%
Carrollton6.43%15.64%
Saginaw charter4.91%13.96%

Saginaw Renters Insurance as a Percentage of Rent

Saginaw Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 321 4.0% $375
$200 to $299 483 6.0% $825
$300 to $499 1,125 15.0% $1275
$500 to $749 2,552 35.0% $1950
$750 to $999 1,629 22.0% $2700
$1,000 to $1,499 935 13.0% $3825
$1,500 or more 72 1.0% $5475

Saginaw, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Saginaw Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,400$4,800
Net Savings to Saginaw Home Owner from High Deductible Plan $600

Saginaw, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Saginaw, MI Home Replacement Value MORE than Home Value Saginaw, MI Home Replacement Value LESS than Home Value
Replacement Value $59,000 $39,500
Insurance Premium based on Replacement Value $325 $225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $9,500 Risk Exposure from Under Insuring Coverage is $10,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Saginaw Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceChubb Group of Insurance
Monthly Premium 353824
Year Built 197319681959
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $75000-$100000$75000-$100000$75000-$100000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Saginaw, MI Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Buena Vista CDP, Michigan $104 $139 $209
Carrollton township, Saginaw County, Michigan $107 $143 $215
Saginaw charter township, Saginaw County, Michigan $113 $150 $225

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 60,000 Slate Shingles Roof 1,340 3 $500 Deductible 80 3 Stone Siding No
1957 215,000 Slate Shingles Roof 3,600 5 $500- $1000 Deductible 1510 12 Wood siding yes
1941 80,000 Wood Shake Roof 1,450 2 $500 Deductible 380 12 Stucco siding No
1966 45,000 Membrane Roof 940 2 $500- $1000 Deductible 130 9 Stone Siding yes
1946 110,000 Metal Roof 2,410 4 $500 Deductible 550 10 Wood siding yes
1954 60,000 Composition Roof 940 2 $2500-$5000 Deductible 70 4 Fiber-Cement Siding No
1948 55,000 Slate Shingles Roof 1,210 3 $500- $1000 Deductible 170 8 Wood siding yes
1962 130,000 Shingles Roof 2,370 4 $1000-$2500 Deductible 590 10 Wood siding yes
1962 130,000 Composition Roof 2,960 4 $500- $1000 Deductible 260 5 Brick siding yes
1959 60,000 Metal Roof 1,070 2 $500 Deductible 320 12 Stone Siding No
1976 70,000 Wood Shake Roof 1,330 2 $1000-$2500 Deductible 140 6 Wood siding yes
1972 85,000 Wood Shake Roof 1,590 3 $1000-$2500 Deductible 20 1 Vinyl siding No
1940 30,000 Composition Roof 904 2 $5000 to $10,000 Deductible 280 12 Vinyl siding No