Sterling Heights Insurance Rates:

Sterling Heights, MI homeowners insurance is nearly $650 to $879, about $54-$73/month. Our comprehensive guide indicates shoppers can save as much as $306 by comparing multiple 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

Auto Owners
They have reasonable prices based on our past experience with insurance companies. it averages 10 percent less than the other companies.
Liberty Mutual
I was very disappointed in finding out that liberty mutual has drastically increased my monthly premium and deductible because i had recently made an insurance claim due to the property damage in my house as a result of the tropical storm.
Farmer's Insurance
We have full coverage on our home. this includes theft, water, and fire damage. no matter what happens, we know that we will be reimbursed for any losses that occur on our property.
State Farm
The people are friendly and they get right back to you when you need them. They make the process of obtaining insurance very easy.
State Farm
I like that the company makes customers a priority. Customer needs are addressed immediately and taken care of promptly so that customers can get issues addressed quickly.
Foremost Insurance
They are one of only a few companies that insure tiny houses. My neighbors use the company and recommend it.
Foremost Insurance
Foremost has everyone beat on this. They call you, email you, text you, whatever they can do communicate every step of the claims process. It was so efficient and the money is in your account within 3 days after the claim rep views the damage and accesses the damage.
Allstate
The premium rates charged by this company are a bit high. Other company’s charges rates that are low for home insurance. I dislike this one thing.
Nationwide
Since I have not ever had to file a claim or go through that process, I do not know if I have enough information to write about the negative aspects of the company in that regard. One thing I find a little off-putting is the setup of the mobile app, but I don't think that I reason enough to say the company has negative qualities.
Progressive
I have absolutely zero complaints about the company but again, I've never had any interaction with them on this front aside from paying the premiums and having to prove that I have the insurance, to begin with. The whole thing seems absurd as I write about it
Allstate
We are very happy with our choice all those years ago to hire Allstate to cover our home. They make us feel safe and treat us like family.
Peninsula Insurance
Local, small, even if they work with Allstate. Communicative through the claim process by phone. Responsive, helpful, and knowledgeable.
Amica Mutual Insurance
PEMCO is a local company with a long history for good coverage and claims service at reasonable prices. It's big enough to provide what I need but not so big that I'm lost as a customer.
State Farm
I have been pleased with my STATE FARM INSURANCE home policy. I had to have my roof replaced and they were very helpful through all the steps to accomplish the completion of the job.
Farmer's Insurance
I was here for a good while learned a lot of things. Unfortunately being in my role i was not given the opportunity to advance by taking on some training classes. I was expected to only get quotes/sales
Progressive
i pay them they leave me alone , pretty much all i want from them i would give them a 5 they dont charge me much and im within the legal limits
Nationwide
It is a great company overall. They presented me with multiple options and were very experienced and nice. Also, they save me a lot of money.
State Farm
The premiums continue to grow with each passing year across multiple policies, and in general, there appears to be less and less human contact with respect to servicing these policies.
Auto Owners Insurance
I don't like the premium increases that happen every year. But, that happens industry-wide.

Sterling Heights, MI Homeowners Insurance By Home Value

Sterling Heights, MI Home Value Total Homes % of Total Average Sterling Heights, MI Homeowners Insurance
Less than $50,000 2,484 6.0% $122
$50,000 to $59,999 415 1.0% $260
$60,000 to $69,999 511 1.0% $321
$70,000 to $79,999 903 2.0% $367
$80,000 to $89,999 1,281 3.0% $420
$90,000 to $99,999 1,145 3.0% $466
$100,000 to $124,999 5,482 14.0% $543
$125,000 to $149,999 5,450 14.0% $680
$150,000 to $174,999 8,295 22.0% $803
$175,000 to $199,999 4,126 11.0% $933
$200,000 to $249,999 4,143 11.0% $1116
$250,000 to $299,999 1,639 4.0% $1369
$300,000 to $399,999 1,269 3.0% $1736

Top Home Insurance Agents Near Sterling Heights, MI

Home Insurance Company Near Sterling Heights, MI Homeowners Insurance Agency Near Sterling Heights, MI Address
NA Brad Hoffman Agency Incorporated 102 S Leroy, Fenton, MI, 48430
NA Wells Fargo Insurance Services Usa 4000 Town Center 4000 Town Center, Southfield, MI, 48075
State Farm Georgia Burger 724 W 11 Mile Rd, Royal Oak, MI, 48067-2411
Allstate Jill Gale Underwood 8130 N Canton Center Rd, Canton, MI, 48187
Allstate Ray Moulden 26013 Coolidge Hwy, Oak Park, MI, 48237

Cost Of Homeowners Insurance By Street Near Sterling Heights, MI

Streets in Sterling Heights Area Homeowners Insurance Cost
Gemini Dr, Pollard Dr, Urbana Dr, Helena Ave, Charity Dr, Clearview Cir, Gannett Dr, Brockham Way, la Grange Dr, Hartwell Dr$777
Mystic Forest Dr, Remie Dr, Curwood Dr, Kebbe Dr, Coachwood Dr, Amberwood Dr, Mary Grove Dr, Chesley Dr, Ridgecroft Dr, Groth Dr$757
Vega Dr, Kent Dr, Martha St, Radner Dr, Peachtree Dr, Mandale Dr, Meadowlake Dr, Darlene Dr, Trellis Dr, Wilmette Dr$779
Balfour Dr, Manning Ct, Dogwood Dr, Heidi Dr, Duke Dr, Burningbush Dr, N Central Dr, Cherry Creek Ln, Southpointe Dr, Minster Ct$808
Carmel Dr, Triangle Dr, Marne Ave, Roxbury Dr, Salvatore Dr, Whispering Ln, Carriage Dr, Blackstone Dr, Monticello Dr, Reese Dr$757
Almont Dr W, Fairmont Ct, Noll St, Harvard Dr, Chris Dr, Bangor Dr, Sebring Dr, Juanita Dr, Westminister Dr, Fallen Tree Dr$779
Angeline Dr, Winona Dr, Engleside Dr, Constitution, Hazelwood Dr, Shaver Ct, Zofia, Essen Dr, Parkwood Ave, Eva Ct$775
Ketsin St, Lords Dr, Winterfield Dr, Camden Dr, Sterritt St, Commerce Dr, Daily Dr, Geraldine Ct, Timmy Dr, Sesame Dr$787
Whitehall Dr, Little John Dr, Brightside Ct, Oxford Ct, Early St, Malibu Dr, Garden Way Dr, Dylan, Davison St, Xavier Dr$772
Grindley Dr, Le Mans Ave, Orion Dr, Creek Dr, Silver Dr, Cullen, Kirkton Dr, Burlington Dr, Kerner Dr, Viola Dr$820

Sterling Heights, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sterling Heights$114 to $116
Utica$112
Fraser$111
Troy$121

Sterling Heights, 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
Utica city, Michigan $94 $125 $187
Fraser city, Michigan $93 $124 $186
Clinton charter township, Macomb County, Michigan $94 $125 $188

Sterling Heights, 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
Sterling Heights, MI4.2%12.5%
Utica4.54%12.38%
Fraser4.48%12.65%
Clinton charter4.41%11.48%

Sterling Heights Renters Insurance as a Percentage of Rent

Sterling Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 363 3.0% $785
$300 to $499 438 3.0% $1235
$500 to $749 3,005 27.0% $1910
$750 to $999 3,319 29.0% $2660
$1,000 to $1,499 2,647 23.0% $3785
$1,500 or more 1,215 10.0% $5435

Sterling Heights, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Sterling Heights Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Sterling Heights Home Owner from High Deductible Plan $600

Sterling Heights, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sterling Heights, MI Home Replacement Value MORE than Home Value Sterling Heights, MI Home Replacement Value LESS than Home Value
Replacement Value $254,000 $167,500
Insurance Premium based on Replacement Value $1,250 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,000 Risk Exposure from Under Insuring Coverage is $47,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $175/year

Example Sterling Heights Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceState Farm
Monthly Premium 864661
Year Built 198120091971
Home Details 5 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $250000-$300000$125000-$150000$150000-$175000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 285,000 Metal Roof 3,180 4 $500 Deductible 160 1 Vinyl siding yes
1991 215,000 Membrane Roof 2,130 3 $2500-$5000 Deductible 520 6 Brick siding No
2002 180,000 Metal Roof 2,250 4 $500 Deductible 450 7 Vinyl siding yes
1984 180,000 Membrane Roof 1,640 5 $500- $1000 Deductible 630 9 Vinyl siding No
1987 250,000 Slate Shingles Roof 2,540 4 > $10,000 Deductible 130 2 Fiber-Cement Siding No
1997 325,000 Composition Roof 3,050 4 $5000 to $10,000 Deductible 70 1 Brick siding No
1970 500,000 Slate Shingles Roof 4,670 5 $1000-$2500 Deductible 1460 8 Fiber-Cement Siding yes
2010 405,000 Shingles Roof 3,800 5 $500- $1000 Deductible 310 2 Vinyl siding yes
2002 315,000 Composition Roof 3,300 4 $500 Deductible 1370 12 Wood siding No
2009 150,000 Composition Roof 1,700 5 $1000-$2500 Deductible 380 10 Vinyl siding yes
2014 200,000 Shingles Roof 2,480 4 > $10,000 Deductible 180 4 Wood siding No
2013 260,000 Metal Roof 3,030 4 $1000-$2500 Deductible 830 9 Wood siding yes
2013 115,000 Wood Shake Roof 1,210 2 $2500-$5000 Deductible 400 12 Stucco siding No
2003 245,000 Slate Shingles Roof 2,860 4 $5000 to $10,000 Deductible 90 2 Stone Siding No
2000 250,000 Slate Shingles Roof 3,310 4 $500- $1000 Deductible 650 7 Brick siding yes
1973 320,000 Asphalt Shingles Roof 2,900 4 $500- $1000 Deductible 680 5 Fiber-Cement Siding No
1985 255,000 Membrane Roof 2,390 3 $500 Deductible 1080 12 Wood siding yes
2006 125,000 Tile Roof 1,440 3 $500 Deductible 50 1 Stucco siding No
1981 110,000 Wood Shake Roof 1,400 2 $500- $1000 Deductible 290 6 Vinyl siding No
1992 105,000 Composition Roof 1,280 3 $500- $1000 Deductible 140 3 Fiber-Cement Siding yes
1992 210,000 Wood Shake Roof 2,820 4 $1000-$2500 Deductible 150 2 Fiber-Cement Siding No
1993 180,000 Slate Shingles Roof 1,780 3 $5000 to $10,000 Deductible 270 5 Fiber-Cement Siding No
2009 105,000 Asphalt Shingles Roof 950 2 $1000-$2500 Deductible 80 3 Stone Siding yes
2014 225,000 Metal Roof 2,490 4 $1000-$2500 Deductible 190 3 Fiber-Cement Siding No
2014 160,000 Asphalt Shingles Roof 1,610 2 $2500-$5000 Deductible 230 5 Stone Siding No
1980 390,000 Wood Shake Roof 3,660 5 $2500-$5000 Deductible 1250 10 Brick siding yes
1994 185,000 Asphalt Shingles Roof 2,410 4 $5000 to $10,000 Deductible 100 2 Wood siding yes
2012 105,000 Shingles Roof 1,240 3 $500- $1000 Deductible 260 6 Stone Siding yes
2001 230,000 Composition Roof 2,267 4 > $10,000 Deductible 620 4 Wood siding yes