Southfield Insurance Rates:

Southfield, MI homeowners insurance is roughly $631 to $856, about $52-$71/month. Our detailed guide shows customers can save upto $297 by getting different 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

Nationwide
I would rate Nationwide a 5 because I have never had an issue with them. They are always on my side when I have an issue.
Geico
I recommend Geico as you can get a quick and easy quote over the internet. The website is easy to use and I make my payments online.
Farmer's Insurance
Farmers Insurance is a very reputable company. When making my claims, a representative is always there to answer my questions. Things are not rushed and payment is quick and easy.
Allstate
The pricing in general seems favorable compared to other insurance companies that I investigated last time that I looked at my options. I was satisfied with the pricing that Allstate offered for their premiums and deductibles.
Farmer's Insurance
Compare to other insurance policies, Farmers Insurance rate is very reasonable. I was able to get a multi-policy discount because my cars are insured through farmers as well
Meemic Insurance
I've been pretty happy with their customer service when I had to speak with them. They're responsive and helpful. I also appreciate how they have a little more personality so it doesn't feel like i'm just talking to a call center
Frankenmuth Insurance
I would absolutely recommend Frankenmuth Insurance to a friend. The combination of excellent customer service, quick results, and reasonable premiums is a combination that can't be beat!
State Farm
COMPANY POLICY IS THE VERY NICE.THE COMPANY INSURANCE POLICY FOR USING THE INSURANCE AND DAMAGE FOR COMPANY TO POLICY FOR COMPANY ARRANGED FOR THE POLICY TO PROFIT FOR THE COMPANY
Progressive
Customer service answers politley. Length of time waiting to speak with representative is minimal.I have always had my issues solved within one business day.
Farmer's Insurance
Our home insurance company has always been there when we needed them. they are friendly, full of advice and get things fixed in a timely manner.
Progressive
I like that they seem to be somewhat competitive in terms of other insurance comparisons pricing. but still and not the most competitive or value-added insurer.
Geico
I like that my insurance company can save me a lot of money by switching to them, they're absolutely awesome.
State Farm
I have a very little dislike for them. It is insurance - not a fun thing to buy but a good promise and insurance to know you will be covered if bad things happen.
State Farm
I would like a more user-friendly way to access my policy possibly by providing search functions or faqs to enable users to answer simple questions on their own rather than calling in.
Foremost Insurance
I liked when I was initially shopping they were very helpful and responsive compared to the big chains.
Allstate
I like the fact that everything is well explained on the page and I can access really quick to anything
Allstate
They are very pleasant. They will be very cordial when explaining how your rates are going up, up, up. Don't like them.
Progressive
I have nothing bad to say about the company but then I also have not had any real interactions with them.
Geico
I would rate them a 4 - I think that their prices are very good, and I get a discount for bundling my car and home policies.
Progressive
I recommend this company because they are insightful and very helpful. They are very willing to answer any questions and are always courteous.

Southfield, MI Homeowners Insurance By Home Value

Southfield, MI Home Value Total Homes % of Total Average Southfield, MI Homeowners Insurance
Less than $50,000 1,258 7.0% $148
$50,000 to $59,999 747 4.0% $319
$60,000 to $69,999 711 4.0% $401
$70,000 to $79,999 1,301 8.0% $460
$80,000 to $89,999 1,111 6.0% $527
$90,000 to $99,999 738 4.0% $586
$100,000 to $124,999 2,898 18.0% $683
$125,000 to $149,999 1,207 7.0% $854
$150,000 to $174,999 2,486 15.0% $1003
$175,000 to $199,999 1,101 6.0% $1159
$200,000 to $249,999 1,519 9.0% $1396
$250,000 to $299,999 721 4.0% $1708
$300,000 to $399,999 219 1.0% $2169

Top Home Insurance Agents Near Southfield, MI

Home Insurance Company Near Southfield, MI Homeowners Insurance Agency Near Southfield, MI Address
Allstate Bernard F. Knorp 38545 Ford Rd Ste 204, Westland, MI, 48185
State Farm Kevin Visintainer 6721 Park Ave, Allen Park, MI, 48101-2033
State Farm Mark Johnson 620 W Commerce Rd, Commerce Twp, MI, 48382-3925
State Farm Steve Hargrove 1842 Eureka Rd, Wyandotte, MI, 48192-6003
Travelers Yale Univerity C/O SEABURY &amp SMITH 4 PARKLANE BLVD STE 414, DEARBORN, MI, 48126

Southfield, MI Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Southfield, MI

Streets in Southfield Area Homeowners Insurance Cost
Arlington Ct, Balewood St, Clinton River, Timberline St, Ivanhoe Ln, Winora Ave, Coventry Woods Ln, Hickory Hill St, Negaunee St, la Seine St$732
Lake Ravines Dr, Addison Dr, Morrison St, Lucerne Dr, J L Hudson Dr, Onyx St, Richard St, Briarbank Ave, Champlaign Dr, Leslie St$730
Fontana Dr, Corporate Dr, Santa Barbara St, 5th St, Oak Hollow St, N Park Dr, Walden Rd E, Riverview Dr, Charlton Sq, Rougecrest Rd$744
Hidden Rivers Dr N, A St, Pennsylvania St, Evergreenmeadows Rd, Coralsex, Aberdeen Ln, Samoset Trl, Thorncliffe St, Oxley Rd, Timberwood Ln$743
Edgemont Dr, Bellwood Dr, Russell St, Santa Barbara Dr, Leewright Ave, Wrexford Dr, Carmel Dr, Hallcroft Ln, Red River Dr, Altavista Dr$728

Southfield, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Southfield$111 to $113
Lathrup Village$115
Bingham Farms$134
Beverly Hills$125

Southfield, 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
Lathrup Village city, Michigan $115 $153 $230
Bingham Farms village, Michigan $134 $178 $267
Beverly Hills village, Michigan $125 $167 $251

Southfield, 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
Southfield, MI3.7%9.4%
Lathrup Village3.67%9.24%
Bingham Farms2.61%7.44%
Beverly Hills3.06%8.47%

Southfield Renters Insurance as a Percentage of Rent

Southfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 185 1.0% $349
$200 to $299 313 2.0% $799
$300 to $499 278 1.0% $1249
$500 to $749 2,094 14.0% $1924
$750 to $999 5,195 35.0% $2674
$1,000 to $1,499 4,732 32.0% $3799
$1,500 or more 1,862 12.0% $5449

Southfield, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Southfield Homeowner Insurance Premium Example $1,600$1,100
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,700$7,200
Net Savings to Southfield Home Owner from High Deductible Plan $1,500

Southfield, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Southfield, MI Home Replacement Value MORE than Home Value Southfield, MI Home Replacement Value LESS than Home Value
Replacement Value $191,000 $124,000
Insurance Premium based on Replacement Value $900 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $27,500 Risk Exposure from Under Insuring Coverage is $39,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $125/year

Example Southfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualAmica Mutual Insurance Company
Monthly Premium 393343
Year Built 196719861975
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $75000-$100000$100000-$125000$200000-$250000
Deductible $500- $1000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1964 130,000 Shingles Roof 1,370 2 $500- $1000 Deductible 310 6 Stucco siding No
1993 245,000 Asphalt Shingles Roof 3,050 4 $2500-$5000 Deductible 200 3 Vinyl siding No
1962 115,000 Wood Shake Roof 1,760 3 $500 Deductible 350 6 Wood siding yes
1995 220,000 Tile Roof 3,430 5 > $10,000 Deductible 90 2 Brick siding yes
1997 95,000 Slate Shingles Roof 1,110 2 $500 Deductible 100 3 Vinyl siding yes
1981 395,000 Metal Roof 4,460 5 $500 Deductible 1050 6 Wood siding No
1999 125,000 Slate Shingles Roof 1,440 3 $2500-$5000 Deductible 250 5 Stone Siding No
1997 275,000 Composition Roof 4,440 5 $2500-$5000 Deductible 380 5 Wood siding No
1986 135,000 Membrane Roof 1,720 4 $500- $1000 Deductible 320 5 Wood siding yes
1963 95,000 Metal Roof 1,180 2 $1000-$2500 Deductible 320 9 Stone Siding yes
1972 265,000 Tile Roof 3,010 5 > $10,000 Deductible 60 1 Brick siding No
1967 345,000 Shingles Roof 4,550 5 > $10,000 Deductible 190 2 Brick siding yes
1982 95,000 Composition Roof 1,330 2 $1000-$2500 Deductible 290 10 Brick siding yes
1971 125,000 Metal Roof 1,830 3 $2500-$5000 Deductible 480 12 Fiber-Cement Siding yes
1969 245,000 Shingles Roof 3,110 4 $500- $1000 Deductible 720 6 Fiber-Cement Siding yes
1971 230,000 Membrane Roof 2,610 4 $1000-$2500 Deductible 710 8 Stone Siding No
1999 360,000 Metal Roof 4,140 5 $500- $1000 Deductible 380 3 Fiber-Cement Siding No
1981 185,000 Membrane Roof 2,430 5 $1000-$2500 Deductible 630 8 Fiber-Cement Siding No
1997 115,000 Tile Roof 1,540 3 $2500-$5000 Deductible 50 1 Stone Siding No
1986 215,000 Shingles Roof 3,290 4 $5000 to $10,000 Deductible 360 8 Brick siding No
1992 105,000 Composition Roof 1,560 2 $500 Deductible 390 7 Fiber-Cement Siding yes
1979 115,000 Membrane Roof 1,670 3 $500 Deductible 140 3 Fiber-Cement Siding No
1973 170,000 Metal Roof 1,930 4 $2500-$5000 Deductible 500 9 Fiber-Cement Siding yes
1974 340,000 Shingles Roof 4,330 5 > $10,000 Deductible 240 3 Stone Siding yes
1981 120,000 Asphalt Shingles Roof 1,780 3 $500- $1000 Deductible 480 10 Stone Siding No
1988 80,000 Shingles Roof 1,280 2 $500- $1000 Deductible 310 8 Fiber-Cement Siding yes
1974 130,000 Composition Roof 1,650 5 $500 Deductible 150 3 Wood siding No
1999 110,000 Asphalt Shingles Roof 1,300 2 $2500-$5000 Deductible 390 8 Wood siding No
1979 85,000 Asphalt Shingles Roof 1,350 2 $500- $1000 Deductible 270 8 Brick siding yes
1989 155,000 Metal Roof 2,060 3 $1000-$2500 Deductible 400 10 Stone Siding yes
1987 195,000 Slate Shingles Roof 2,400 5 $2500-$5000 Deductible 110 2 Fiber-Cement Siding No
1963 120,000 Asphalt Shingles Roof 1,560 3 $500 Deductible 500 9 Stone Siding No
1964 155,000 Shingles Roof 1,780 4 $5000 to $10,000 Deductible 30 1 Vinyl siding yes
1978 65,000 Metal Roof 950 2 $2500-$5000 Deductible 40 2 Brick siding No

How To Make Your Southfield, MI Home Insurance Cheaper

How Much Does Southfield, MI Home Insurance Cost?