Wayne Insurance Rates:

Wayne, MI homeowners insurance is roughly $613 to $834, about $51-$69/month. Our detailed guide shows customers can save as much as $289 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Wayne, MI Homeowners Insurance By Home Value

Wayne, MI Home Value Total Homes % of Total Average Wayne, MI Homeowners Insurance
Less than $50,000 778 18.0% $202
$50,000 to $59,999 363 8.0% $433
$60,000 to $69,999 367 8.0% $535
$70,000 to $79,999 301 7.0% $621
$80,000 to $89,999 393 9.0% $701
$90,000 to $99,999 336 8.0% $788
$100,000 to $124,999 681 16.0% $910
$125,000 to $149,999 390 9.0% $1142
$150,000 to $174,999 290 6.0% $1344
$175,000 to $199,999 62 1.0% $1554
$200,000 to $249,999 117 2.0% $1872
$250,000 to $299,999 51 1.0% $2291

Top Home Insurance Agents Near Wayne, MI

Home Insurance Company Near Wayne, MI Homeowners Insurance Agency Near Wayne, MI Address
NA Del Barba Agency, Inc. 8449 Colony Drive , Algonac, MI, 48001
Allstate Jeffery Torrice 48952 Hayes Rd, Macomb, MI, 48044
Liberty Mutual Joseph Ide 4405 Talmadge Rd. Ste 2, Toledo, OH, 43623
State Farm Tom Early 44260 Cherry Hill Rd, Canton, MI, 48187-3225
State Farm Tom Mazzola 45150 North Ave, Macomb, MI, 48042-5227

Cost Of Homeowners Insurance By Street Near Wayne, MI

Streets in Wayne Area Homeowners Insurance Cost
Harroun St, Treadwell St, Winifred St, John St, Nyman St, Josephine St, Morning Glory Pl, Sims St, Covington Dr, Amy Dr$742
Knoll Dr, Briarwood Ct, Park Hill S, Michigan Ave W, Marilyn St, Carnegie St, Marigold Pl, Fletcher St, Winifred St, Stellwagen St$710
Harroun St, Crecent Ct, Eastlawn Ave, Metro Mall Pl, Thorncroft Ct, Carlisle Pkwy, Park Hill Blvd, Heather Pl, Gladwin Ct, Harroun St$720
Edmund St, Thinbark St, Sims St, Evans St, Barber St, Brush Ct, Adele St, Oriole Ln, W Michigan Ave, Treadwell St$720
Hamilton Pl, Whitney Dr, Woodbrook Dr, Shamrock Pl, Cranmore St, Avon St, Adams Cir, Sophia St, Niagara St, Barry St$720

Wayne, MI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wayne$108 to $110
Westland$109
Inkster$106
Romulus$108

Wayne, 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
Westland city, Michigan $110 $146 $219
Inkster city, Michigan $106 $141 $212
Romulus city, Michigan $108 $144 $216

Wayne, 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, MI4.9%13.0%
Westland4.74%13.26%
Inkster5.25%12.73%
Romulus4.62%12.9%

Wayne Renters Insurance as a Percentage of Rent

Wayne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 88 3.0% $362
$200 to $299 152 5.0% $812
$300 to $499 381 14.0% $1262
$500 to $749 1,234 46.0% $1937
$750 to $999 469 17.0% $2687
$1,000 to $1,499 305 11.0% $3812
$1,500 or more 31 1.0% $5462

Wayne, MI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Wayne Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Wayne Home Owner from High Deductible Plan $600

Wayne, MI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wayne, MI Home Replacement Value MORE than Home Value Wayne, MI Home Replacement Value LESS than Home Value
Replacement Value $140,500 $92,000
Insurance Premium based on Replacement Value $650 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $25,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $100/year

Example Wayne Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 1304342
Year Built 197319561984
Home Details 5 Beds, 1 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$150000-$175000$100000-$125000
Deductible $500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1956 255,000 Composition Roof 3,360 5 $2500-$5000 Deductible 1260 12 Wood siding No
1958 85,000 Asphalt Shingles Roof 1,530 3 $500- $1000 Deductible 300 8 Vinyl siding yes
1971 205,000 Membrane Roof 3,070 5 $5000 to $10,000 Deductible 420 9 Fiber-Cement Siding yes
1947 90,000 Tile Roof 1,590 2 $2500-$5000 Deductible 100 5 Wood siding No
1959 135,000 Slate Shingles Roof 1,950 3 $500- $1000 Deductible 240 5 Stucco siding yes
1949 385,000 Wood Shake Roof 4,970 5 $1000-$2500 Deductible 460 4 Stucco siding yes
1946 210,000 Membrane Roof 2,810 4 $1000-$2500 Deductible 780 8 Stone Siding yes
1982 120,000 Membrane Roof 1,720 3 $2500-$5000 Deductible 460 12 Vinyl siding yes
1969 95,000 Asphalt Shingles Roof 1,380 3 $1000-$2500 Deductible 40 1 Fiber-Cement Siding yes
1975 110,000 Shingles Roof 1,580 3 $2500-$5000 Deductible 210 5 Vinyl siding yes
1986 100,000 Membrane Roof 1,770 3 $500 Deductible 250 7 Stucco siding yes
1966 105,000 Metal Roof 1,700 2 $500 Deductible 40 1 Stone Siding No
1980 235,000 Metal Roof 3,420 5 $500- $1000 Deductible 1100 12 Brick siding yes
1985 110,000 Shingles Roof 1,510 3 $500 Deductible 300 8 Stone Siding No
1973 110,000 Tile Roof 1,810 3 $500- $1000 Deductible 260 5 Wood siding yes
1951 90,000 Shingles Roof 1,320 3 $1000-$2500 Deductible 100 3 Vinyl siding yes
1965 195,000 Asphalt Shingles Roof 3,370 4 $2500-$5000 Deductible 290 6 Fiber-Cement Siding yes
1941 120,000 Metal Roof 1,620 3 $500- $1000 Deductible 140 3 Wood siding yes
1984 80,000 Shingles Roof 1,340 2 $1000-$2500 Deductible 150 7 Fiber-Cement Siding yes
1941 185,000 Tile Roof 2,870 4 $500 Deductible 450 6 Wood siding No
1969 65,000 Slate Shingles Roof 1,230 2 $1000-$2500 Deductible 40 2 Vinyl siding yes
1980 185,000 Metal Roof 2,910 4 $500 Deductible 70 1 Wood siding No
1949 140,000 Asphalt Shingles Roof 2,620 5 $1000-$2500 Deductible 300 5 Stucco siding No
1989 170,000 Metal Roof 2,270 3 $5000 to $10,000 Deductible 130 3 Wood siding yes
1956 250,000 Wood Shake Roof 3,600 5 $1000-$2500 Deductible 1220 12 Stone Siding yes
1960 105,000 Slate Shingles Roof 1,490 2 $500- $1000 Deductible 290 8 Fiber-Cement Siding No
1962 140,000 Slate Shingles Roof 2,020 3 $1000-$2500 Deductible 350 7 Vinyl siding yes
1962 90,000 Shingles Roof 1,490 3 $500- $1000 Deductible 270 7 Vinyl siding No
1951 260,000 Composition Roof 3,860 5 $1000-$2500 Deductible 880 8 Stucco siding yes
1956 85,000 Wood Shake Roof 1,240 2 $500- $1000 Deductible 70 2 Vinyl siding No
1984 105,000 Shingles Roof 1,510 2 $2500-$5000 Deductible 40 1 Brick siding No