St. Clair Insurance Rates:

St. Clair, MI homeowners insurance is nearly $658 to $897, about $54-$74/month. Our all inclusive analysis reveals consumers can save as much as $311 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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St. Clair, MI Homeowners Insurance By Home Value

St. Clair, MI Home Value Total Homes % of Total Average St. Clair, MI Homeowners Insurance
Less than $50,000 107 5.0% $108
$50,000 to $59,999 27 1.0% $233
$70,000 to $79,999 33 1.0% $326
$80,000 to $89,999 67 3.0% $373
$90,000 to $99,999 47 2.0% $420
$100,000 to $124,999 188 8.0% $490
$125,000 to $149,999 214 10.0% $606
$150,000 to $174,999 451 21.0% $723
$175,000 to $199,999 256 12.0% $832
$200,000 to $249,999 286 13.0% $1003
$250,000 to $299,999 239 11.0% $1221
$300,000 to $399,999 177 8.0% $1556

Top Home Insurance Agents Near St. Clair, MI

Home Insurance Company Near St. Clair, MI Homeowners Insurance Agency Near St. Clair, MI Address
Allstate Larry Benson 811 N Main St Ste 104, Royal Oak, MI, 48067
Farmers Tanya Thornton 7001 Orchard Lake Rd Ste 330, West Bloomfield, MI, 48322
State Farm Virgil Lewis 31313 Northwestern Hwy Ste 126, Farmingtn Hls, MI, 48334-2565
NA The Peppler Agency, Inc. Po Box 36418 Grosse Pointe, Grosse Pointe Farms, MI, 48236
NA Descamps Insurance 26503 Harper Ave St Clair Shores, St. Clair Shores, MI, 48081

Cost Of Homeowners Insurance By Street Near St. Clair, MI

Streets in St. Clair Area Homeowners Insurance Cost
Rattle Run Rd, E Mill Creek, Neuman Rd, Pug Rd, Golfview Ct, Allington Rd, Davis Rd, Elmer Dr, Pine Ridge Rd, Cuttle Rd$771
Lincoln St, Randswood, Serenity Ln, S Allen Rd, Vine St, S River Rd, S Richman Rd, Mahren Rd, Neuman Rd, Marion$774
Pickford Rd, Jessica Ln, Ulrich Trl, Clinton Ave, Joseph Tamron Dr, Big Hand Rd, Park Ave, Renee Dr, Allington Rd, Hurst Rd$782
Melody Ct, S Bartlett Rd, S Bartlett Rd, Blue River Dr, Preservation Ln, Busha Hwy, V Achatz Dr, Yankee Rd, Ketchum Rd, Hunters Park W$771
Drexler Rd, Birch Rd, Airport Dr, S Isabelle, Stein Rd, Klettner Rd, Hollywood St, Briggeman Rd, Rattle Run Rd, Allen Rd$774

St. Clair, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
St. Clair$115 to $117
Marysville$112
Kimball$111
China$119

St. Clair, 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
Marysville city, Michigan $112 $149 $224
Kimball township, St. Clair County, Michigan $111 $148 $222
China township, St. Clair County, Michigan $119 $159 $239

St. Clair, 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
St. Clair, MI4.2%13.3%
Marysville4.59%12.29%
Kimball4.97%14.86%
China3.79%13.31%

St. Clair Renters Insurance as a Percentage of Rent

St. Clair Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 20 12.0% $1226
$500 to $749 31 19.0% $1901
$750 to $999 92 56.0% $2651
$1,000 to $1,499 20 12.0% $3776

St. Clair, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly St. Clair Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $5,700$5,200
Net Savings to St. Clair Home Owner from High Deductible Plan $500

St. Clair, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. Clair, MI Home Replacement Value MORE than Home Value St. Clair, MI Home Replacement Value LESS than Home Value
Replacement Value $201,000 $129,000
Insurance Premium based on Replacement Value $900 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $200/year

Example St. Clair Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmLiberty Mutual
Monthly Premium 6213346
Year Built 200020141995
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$300000-$350000$200000-$250000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for St. Clair, MI from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 155,000 Slate Shingles Roof 1,460 3 $2500-$5000 Deductible 430 8 Fiber-Cement Siding No
2004 155,000 Tile Roof 1,820 4 $2500-$5000 Deductible 170 5 Vinyl siding No
1994 225,000 Membrane Roof 1,990 3 > $10,000 Deductible 390 7 Brick siding No
2012 500,000 Metal Roof 4,650 5 > $10,000 Deductible 920 7 Brick siding No
2008 230,000 Metal Roof 2,190 3 $2500-$5000 Deductible 240 3 Fiber-Cement Siding yes
1984 230,000 Tile Roof 2,110 4 $500- $1000 Deductible 460 5 Stone Siding yes
2006 335,000 Metal Roof 3,120 4 $5000 to $10,000 Deductible 500 8 Brick siding No
1991 440,000 Slate Shingles Roof 4,510 5 $5000 to $10,000 Deductible 430 3 Wood siding No
2014 130,000 Wood Shake Roof 1,550 3 $500 Deductible 670 9 Vinyl siding yes
2011 235,000 Slate Shingles Roof 2,210 3 $2500-$5000 Deductible 210 3 Stucco siding No
2005 310,000 Composition Roof 2,590 4 $5000 to $10,000 Deductible 610 6 Fiber-Cement Siding yes
2012 145,000 Asphalt Shingles Roof 1,200 3 $500 Deductible 110 2 Wood siding No
2003 265,000 Composition Roof 2,840 4 $500- $1000 Deductible 400 4 Vinyl siding yes