Wayne County Insurance Rates:

Wayne County, MI homeowners insurance is about $620 to $839, about $51-$69/month. Our complete analysis shows customers can save upto $292 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Affordable Homeowners Insurance Rates in Wayne County, MI

Based on the research, the average insurance rate in Wayne County, MI, is $708. The homeowners insurance rates in Wayne County may vary according to certain factors like coverage type, deductible, house age, and the material used to build your home. Therefore, it is of utmost importance to know their insurance needs before proceeding ahead.

Home Insurance Coverage in Wayne County, MI

Home insurance coverage refers to the package offered by the insurance company which covers the damages or loss of the house in any unforeseen circumstances. Every home insurance policy has a liability limit which determines the amount of coverage an individual has to cover the damage in an unfortunate situation. The average limit is generally $100,000, but the policyholder can also opt for a higher limit. The higher the amount, the higher the protection.

Wayne County, MI homeowners paying a coverage of $100,000 can avail of home insurance for $813. Typically homeowners choose to pay coverage of $400,000 to $500,000, which comes to $3708 and $5006, respectively.

Meanwhile, specific alternatives allow policyholders to save money on home insurance. One such way is by choosing a high deductible.

House Owners Insurance Cost for Deductible in Wayne County, MI

A deductible is the portion of coverage that the policyholder has to pay from his own pockets. Once the policyholder files a claim and meets their deductible, the insurance company pays the leftover balance up to their policy limit.

For instance, let us assume that as per your policy, your deductible is $1500. So here, if you make a claim with damages of $10,000, you have to pay your deductible, i.e., $1500, and the remaining balance, i.e., $8500, will be paid by your respective insurance company.

So, Wayne County homeowners paying a high deductible of $2500 can avail of home insurance for $508. Likewise, Wayne County homeowners paying a high deductible of $1500 and $2000 can avail of home insurance for $596 and $541, respectively. Below is the summary of home insurance costs for different deductibles in Wayne County, MI.

Affordable_Homeowners_Insurance_Rates_in_Wayne_County_MI

Many factors determine discounts but are not in control of the homeowners. Therefore, the policyholders can take advantage of lesser premiums by choosing higher deductibles to reduce home insurance rates.

Another way to avail discount on the premium is by maintaining a zero claim history. It is prudent that homeowners must avoid filing claims for minor problems. When a homeowner submits a claim, the loss is incurred by the insurance company. The greater the risk of you incurring a loss and submitting a claim, the higher your policy cost.

Wayne County, MI Homeowners Insurance By Home Value

Wayne County, MI Home Value Total Homes % of Total Average Wayne County, MI Homeowners Insurance
Less than $50,000 93,701 21.0% $182
$50,000 to $59,999 26,295 6.0% $394
$60,000 to $69,999 27,691 6.0% $481
$70,000 to $79,999 27,363 6.0% $562
$80,000 to $89,999 29,595 6.0% $635
$90,000 to $99,999 22,927 5.0% $708
$100,000 to $124,999 51,318 11.0% $824
$125,000 to $149,999 33,885 7.0% $1029
$150,000 to $174,999 36,832 8.0% $1219
$175,000 to $199,999 20,523 4.0% $1408
$200,000 to $249,999 26,273 6.0% $1693
$250,000 to $299,999 16,134 3.0% $2065
$300,000 to $399,999 15,562 3.0% $2628

Top Home Insurance Agents Near Wayne County, MI

Home Insurance Company Near Wayne County, MI Homeowners Insurance Agency Near Wayne County, MI Address
NA Wiedmayer Uckele Insurance Agency 208 E Michigan Ave, Saline, MI, 48176
Travelers Corinthian Colleges Inc 4 PARKLANE BLVD SUITE 414, DEARBORN, MI, 48126
State Farm Mimmo Vitale 909 E Eleven Mile Rd, Royal Oak, MI, 48067
Travelers Robertson Insurance 5589 E M-36 Hwy , Pinckney, MI, 48169
State Farm Roger Beck 1111 W Oakley Park Rd, Commerce Twp, MI, 48390-1364

Wayne County, MI Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Wayne County, MI

Streets in Wayne County Area Homeowners Insurance Cost
Glen Eagles Dr, Superior Blvd, Alvin Ct, Geddes Rd, Mapletree Dr, Botsford St, Collyer Ct, Independence Dr, 31st St, Willow Creek Pkwy$758
Rose Ave, Shadyside, Pawnee St, Schafer Ct, Dawson Ct, Kipling St, Donnelly Rd, Schaller Dr, Culpepper Rd, Southfield Freeway Svc Rd$709
Cochran St, E Margaret St, Cassia Ct, Hasse Ave, N Northville Trl, Moran Ct, Gloccamorra, Thornwood St, Maddelein Ave, Montlieu St$707
Rolston Dr, S M 39 Svc Rd, Elm Ct, Franklin Cir, Lovett Ct, Calais Ct, Keppen Ave, Lilac St, Grand Traverse St, Falcon St$890
Willard Blvd, Courville Dr, Smart St, Belanger Ave, Leander Ave, Plymouth Hollow Dr, Progress Ave, Colony Farms Cir, Haigh St, Mona Ct$883
Findlay Ave, Virgil Ave, Temple St, Antoine St, Simpson, Terry Ln, Greenridge Dr, el Paso Blvd, Oregon Ave, Floyd St$700
Legrand Blvd, Montana St, Lakecrest Dr, Norman Ave, W Longwood Pl, Randolph, Windham St, Burning Bush, Spruce Ln, Emiline St$773
Woodbrine, Grandon, Shields Ave, S Midway Ave, Nankin Blvd, S Summit St, Academy Dr, Pinetree, Richfield, Venice St$764
Neveux St, Arlene Ct, Jerome St, Wyatt Ave, Meade St, Hilltop Dr W, Mc Clellan Ave, Hardeberg St, Lyman Pl, Humber St$885
Bellingham St, Merritt St, Park Dr, Utica Ave, Lawley St, Southfield Dr, Perry Pl, Colvin St, Colonial Dr, Audette St$761

Wayne County, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wayne County$109 to $111
Inkster$106
Allen Park$111
Dearborn Heights$109

Wayne County, 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
Inkster city, Michigan $89 $118 $177
Allen Park city, Michigan $93 $123 $185
Dearborn city, Michigan $93 $123 $185

Wayne County, 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
Wayne County, MI4.4%12.4%
Inkster5.25%12.73%
Allen Park4.62%12.69%
Dearborn4.24%11.37%

Wayne County Renters Insurance as a Percentage of Rent

Wayne County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 5,339 2.0% $358
$200 to $299 9,419 4.0% $808
$300 to $499 19,506 8.0% $1258
$500 to $749 65,639 29.0% $1933
$750 to $999 58,900 26.0% $2683
$1,000 to $1,499 50,919 23.0% $3808
$1,500 or more 9,268 4.0% $5458

Latest Home Insurance Reviews by Location

Livonia, MI

State Farm
My premium has been going up and that is concerning also my deductable is high $1000. THinking about it -I have not claimed a few things over hte years.
Read more Livonia home insurance reviews

Detroit, MI

Allstate
I did recently get a quote from Progressive as it made sense to evaluate when changing my Auto Policy. Progressive charged more money for less coverage in that quote.
Read more Detroit home insurance reviews

Lincoln Park, MI

Foremost Insurance
Actually, I'm not sure what my premium or deductible is to be honest. I'm assuming it's high, like any other type of insurance company for any type of insurance.
Read more Lincoln Park home insurance reviews

Dearborn Heights, MI

Foremost Insurance
I'm not up to par on insurance companies and who offers what type of coverage. I wouldn't be a good person to consult with about options.
Read more Dearborn Heights home insurance reviews

Dearborn, MI

State Farm
I am very satisfied with my State farm homeowners insurance. I would give them a rating of a 4. The only reason I gave them a four instead of a five is because I think they're a little bit expensive.
Read more Dearborn home insurance reviews

Westland, MI

State Farm
I would definitely recommend to friends and family. State Farm is an admitted company that has good coverage for reasonable prices. I have no complaints about the customer service.
Read more Westland home insurance reviews

Taylor, MI

State Farm
i would rate it as a 2 sometimes its okay and sometimes its not. I think when it time to put in for an insurance claim they put you through to much red tape
Read more Taylor home insurance reviews

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