Spring Lake Insurance Rates:

Spring Lake, MI homeowners insurance is nearly $659 to $908, about $54-$75/month. Our extensive guide indicates shoppers can save as much as $313 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Spring Lake, MI Homeowners Insurance By Home Value

Spring Lake, MI Home Value Total Homes % of Total Average Spring Lake, MI Homeowners Insurance
Less than $50,000 290 7.0% $101
$50,000 to $59,999 51 1.0% $219
$70,000 to $79,999 112 2.0% $313
$80,000 to $89,999 144 3.0% $360
$90,000 to $99,999 205 5.0% $399
$100,000 to $124,999 451 11.0% $461
$125,000 to $149,999 349 9.0% $579
$150,000 to $174,999 487 12.0% $689
$175,000 to $199,999 291 7.0% $790
$200,000 to $249,999 491 12.0% $955
$250,000 to $299,999 410 10.0% $1166
$300,000 to $399,999 501 13.0% $1487

Top Home Insurance Agents Near Spring Lake, MI

Home Insurance Company Near Spring Lake, MI Homeowners Insurance Agency Near Spring Lake, MI Address
NA Ken Bleeker Agency, Inc. 1617 N Main St, Martin, MI, 49070
NA Ippel Insurance Agency, Inc. 317 S Beechtree Grand Haven, Grand Haven, MI, 49417
Farmers Brian Knoper 233 Washington Ave Ste 216, Grand Haven, MI, 49417
Farmers Kevin Lacey 636 E 24th St Ste 20, Holland, MI, 49423
Allstate Zachary Golin 8516 Homestead Dr Ste 110, Zeeland, MI, 49464

Cost Of Homeowners Insurance By Street Near Spring Lake, MI

Streets in Spring Lake Area Homeowners Insurance Cost
Lavinia St, Arthur Ct, Teunis Dr, McLeans, Rannes St, Old Orchard Dr, Maple Ter, Huron Dr, Liberty St, Williams St$769
River Run Dr, Littlefield Ln, South St, Palm Dr, Villa Pkwy, Oakcrest Pkwy, Old Grand Haven Rd, Blanford St, Lost Pond, State Rd$813
Ferry, Parkview Ave, S Fruitport Rd, Barber Ct, Concord Dr, Zuni Dr, Beech St, Iroquois Dr, Beechwood Ln, Wintergreen Ct$777
Vineyard St, Bloem Dr, Longview Ln, E Savidge St, Brookside Dr, Meridian St, N Shore Dr, Breton St, N Ridge Ct, Hidden Trail Dr$769
Pine Hollow Ave, Cutler Ave, River Side Dr, Visser St, Connelly Ave, N Cutler Ave, Snowberry Ct, Rachels Way, Elm, Spring Lake Dr$778

Spring Lake, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Spring Lake$116 to $118
Grand Haven$111
Ferrysburg$113
Grand Haven charter$116

Spring Lake, 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
Grand Haven city, Michigan $93 $124 $186
Ferrysburg city, Michigan $95 $126 $189
Fruitport village, Michigan $93 $123 $185

Spring Lake, 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
Spring Lake, MI4.4%13.4%
Grand Haven5.17%13.85%
Ferrysburg4.75%12.3%
Fruitport5.26%19.41%

Spring Lake Renters Insurance as a Percentage of Rent

Spring Lake Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 33 2.0% $322
$200 to $299 27 1.0% $772
$300 to $499 99 6.0% $1222
$500 to $749 606 41.0% $1897
$750 to $999 536 36.0% $2647
$1,000 to $1,499 124 8.0% $3772
$1,500 or more 40 2.0% $5422

Spring Lake, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$3,800
Yearly Spring Lake Homeowner Insurance Premium Example $1,600$1,000
Out of Pocket Expense During Claim$800$3,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,600$11,800
Net Savings to Spring Lake Home Owner from High Deductible Plan $1,800

Spring Lake, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Spring Lake, MI Home Replacement Value MORE than Home Value Spring Lake, MI Home Replacement Value LESS than Home Value
Replacement Value $214,000 $128,500
Insurance Premium based on Replacement Value $1,275 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $42,500 Risk Exposure from Under Insuring Coverage is $43,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $250/year

Example Spring Lake Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceLiberty Mutual
Monthly Premium 10165143
Year Built 201019461999
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$200000-$250000$500000-$600000
Deductible $500- $1000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 265,000 Wood Shake Roof 2,820 5 $500- $1000 Deductible 1020 8 Vinyl siding yes
1944 300,000 Shingles Roof 2,590 5 $500- $1000 Deductible 430 3 Wood siding No
2003 210,000 Composition Roof 2,230 5 $500 Deductible 790 9 Vinyl siding yes
1993 170,000 Asphalt Shingles Roof 1,800 5 $500- $1000 Deductible 270 4 Vinyl siding No
1948 185,000 Membrane Roof 1,940 3 $500 Deductible 150 2 Stucco siding No
1998 135,000 Shingles Roof 1,570 5 $500- $1000 Deductible 60 1 Brick siding yes
1987 155,000 Composition Roof 1,260 3 $500- $1000 Deductible 220 4 Brick siding No
2001 210,000 Slate Shingles Roof 1,930 3 $2500-$5000 Deductible 230 4 Fiber-Cement Siding yes
1964 200,000 Slate Shingles Roof 2,340 3 $2500-$5000 Deductible 810 10 Wood siding yes
1984 225,000 Composition Roof 2,100 3 $1000-$2500 Deductible 600 9 Vinyl siding No
2014 170,000 Metal Roof 1,870 4 $500 Deductible 630 7 Stucco siding No
2000 130,000 Membrane Roof 1,420 3 $500 Deductible 440 9 Stone Siding No
1984 275,000 Membrane Roof 2,780 4 $500 Deductible 1450 12 Stone Siding yes