Sterling Heights, MI Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
The people are friendly and they get right back to you when you need them. They make the process of obtaining insurance very easy.
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.
They are one of only a few companies that insure tiny houses. My neighbors use the company and recommend it.
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.
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.
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.
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
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.
Local, small, even if they work with Allstate. Communicative through the claim process by phone. Responsive, helpful, and knowledgeable.
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.
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.
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
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.
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.
I don't like the premium increases that happen every year. But, that happens industry-wide.
They have reasonable prices based on our past experience with insurance companies. it averages 10 percent less than the other companies.
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.
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.
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
|Place||Savings For Senior Occupied Homes|
|Sterling Heights||$114 to $116|
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
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Sterling Heights, MI||4.2%||12.5%|
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 Deductible||High Deductible|
|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|
|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 Company||Nationwide Insurance||State Farm|
|Home Details||5 Beds, 2 Baths||2 Beds, 1 Baths||4 Beds, 1 Baths|
|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|
|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|