St. Clair Shores Insurance Rates:

St. Clair Shores, MI homeowners insurance is approximately $624 to $847, about $52-$70/month. Our extensive guide shows customers can save upto $294 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I slightly dislike the higher price of state farm, when compared to the other insurance companies, however i know that i am getting my moneys worth because of the level service i am experiencing.
Farmer's Insurance
If you call the 1-800 number during the weekend can be a hassle because you are waiting along time until you actually get another person on the line.
Progressive
I like the discounts available for being a customer and the add ons / additional packages i can create.
Foremost
I'm not sure about other premiums for other companies. I could only find one to cover my particular need for how my mortgage is set up. I could not bundle with my auto insurance either.
Geico
I don't dislike the company. They have proven to be loyal and good to me in the past and I expect it in the future.
Allstate
Overall we like our insurance company and the policies. We would like to speak to more native speakers
Allstate
Mostly we like the friendly face-to-face service our agent provides. She is always ready to see us and we don't even have to schedule an appointment to drop in and get information or service. We even prefer to pay there at the office as opposed to mailing in or online.

St. Clair Shores, MI Homeowners Insurance By Home Value

St. Clair Shores, MI Home Value Total Homes % of Total Average St. Clair Shores, MI Homeowners Insurance
Less than $50,000 2,035 9.0% $169
$50,000 to $59,999 835 3.0% $360
$60,000 to $69,999 1,464 6.0% $441
$70,000 to $79,999 1,647 7.0% $515
$80,000 to $89,999 2,297 10.0% $581
$90,000 to $99,999 1,589 7.0% $647
$100,000 to $124,999 3,968 18.0% $750
$125,000 to $149,999 2,767 12.0% $942
$150,000 to $174,999 2,665 12.0% $1118
$175,000 to $199,999 793 3.0% $1288
$200,000 to $249,999 909 4.0% $1545
$250,000 to $299,999 342 1.0% $1891
$300,000 to $399,999 298 1.0% $2406

Top Home Insurance Agents Near St. Clair Shores, MI

Home Insurance Company Near St. Clair Shores, MI Homeowners Insurance Agency Near St. Clair Shores, MI Address
NA A O Underwriters, Ltd. 2285 N Opdyke Rd #D Auburn Hills, Auburn Hills, MI, 48326
State Farm David Arce 819 E 12 Mile Rd, Madison Hts, MI, 48071-2535
Travelers Mervyns 4 PARKLANE BLVD SUITE 414, DEARBORN, MI, 48126
Liberty Mutual Paul Miller 34405 W. 12 Mile Rd Suite 130, Farmington Hills, MI, 48331
State Farm Sandy Gilland 24146 Ecorse Rd, Taylor, MI, 48180-1644

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

Streets in St. Clair Shores Area Homeowners Insurance Cost
Kipling St, Eastlawn St, Evergreen St, Blossom Heath Blvd, Woodbridge St, 4th St, Elmdale St, W Angeline Ct, Avalon St, Edmunton St$724
California St, Shady Lane Ave, Lane St, Maplegrove St, Lakeland St, Norval St, Chalon St, Wildwood St, Country Club Dr, E St$757
Alice St, Grove Ct, Centennial St, Frazho St, Liberty St, Nelson St, Grove Pointe St, Millenbach St, Playview St, New York St$720
Red Maple Ln, Brents Ct, Alice St, Lovell St, Bayside St, Louise St, Frazho St, Gary Ln, Worthington St, Lake Dr$730
Larchmont St, Bon Brae St, Raymond St, Lange St, Sanders St, Allor St, Culver St, S Colonial Ct, Lakebreeze St, Elmira St$740

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

PlaceSavings For Senior Occupied Homes
St. Clair Shores$110 to $112
Roseville$107
Village of Grosse Pointe Shores$140
Grosse Pointe Woods$119

St. Clair Shores, 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
Roseville city, Michigan $90 $119 $179
Village of Grosse Pointe Shores city, Michigan $117 $156 $234
Eastpointe city, Michigan $89 $119 $178

St. Clair Shores, 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 Shores, MI4.8%13.2%
Roseville5.09%14.05%
Village of Grosse Pointe Shores2.15%7.82%
Eastpointe5.06%13.57%

St. Clair Shores Renters Insurance as a Percentage of Rent

St. Clair Shores Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 120 2.0% $804
$300 to $499 226 4.0% $1254
$500 to $749 1,595 34.0% $1929
$750 to $999 993 21.0% $2679
$1,000 to $1,499 1,359 29.0% $3804
$1,500 or more 333 7.0% $5454

St. Clair Shores, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$3,600
Yearly St. Clair Shores Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,000$9,200
Net Savings to St. Clair Shores Home Owner from High Deductible Plan $800

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

Scenario St. Clair Shores, MI Home Replacement Value MORE than Home Value St. Clair Shores, MI Home Replacement Value LESS than Home Value
Replacement Value $152,500 $113,000
Insurance Premium based on Replacement Value $850 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $15,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $125/year

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

Insurance Company Liberty MutualAmica Mutual Insurance CompanyNationwide Insurance
Monthly Premium 359552
Year Built 196619701977
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $150000-$175000$200000-$250000$125000-$150000
Deductible $5000 to $10,000 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for St. Clair Shores, 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 105,000 Slate Shingles Roof 1,770 3 $500- $1000 Deductible 150 3 Brick siding No
1971 250,000 Membrane Roof 3,260 4 $2500-$5000 Deductible 60 1 Wood siding No
1969 135,000 Wood Shake Roof 1,550 3 $2500-$5000 Deductible 370 9 Vinyl siding No
1976 155,000 Shingles Roof 1,880 3 $500- $1000 Deductible 220 5 Wood siding yes
1974 110,000 Metal Roof 1,280 3 $500- $1000 Deductible 190 5 Brick siding No
1963 110,000 Metal Roof 1,400 3 $1000-$2500 Deductible 200 4 Stucco siding yes
1963 110,000 Shingles Roof 1,240 3 $1000-$2500 Deductible 110 3 Brick siding No
1977 100,000 Slate Shingles Roof 1,420 3 $1000-$2500 Deductible 290 8 Brick siding No
1969 155,000 Asphalt Shingles Roof 1,760 3 $2500-$5000 Deductible 130 4 Stone Siding yes
1971 200,000 Tile Roof 2,270 3 $500- $1000 Deductible 70 1 Wood siding yes
1962 250,000 Shingles Roof 2,980 4 $500- $1000 Deductible 100 1 Vinyl siding No
1968 110,000 Membrane Roof 1,270 3 $1000-$2500 Deductible 70 2 Brick siding No
1971 175,000 Wood Shake Roof 2,290 3 $500- $1000 Deductible 350 6 Wood siding No
1971 210,000 Composition Roof 2,920 4 $1000-$2500 Deductible 500 6 Stucco siding yes
1961 215,000 Wood Shake Roof 2,590 4 $2500-$5000 Deductible 160 3 Brick siding yes
1974 170,000 Shingles Roof 2,470 4 $5000 to $10,000 Deductible 230 6 Wood siding yes
1960 105,000 Metal Roof 1,660 4 $500 Deductible 400 8 Fiber-Cement Siding No
1965 130,000 Metal Roof 2,050 4 $500 Deductible 140 3 Brick siding No
1977 155,000 Membrane Roof 2,560 4 $500 Deductible 410 5 Wood siding yes
1978 125,000 Membrane Roof 2,070 4 $1000-$2500 Deductible 350 7 Wood siding No