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Average cost of homeowners insurance in Flint, MI

In Flint, MI, the average cost of homeowner's insurance is $863. As a Flint homeowner, you know your home is your most valuable asset. And, as with any valuable asset, you need to protect it with insurance. Homeowners insurance is designed to protect your home and belongings in case of a covered loss, such as fire, wind damage, theft, or vandalism. It can also provide liability coverage if someone is injured on your property.

Homeowners insurance rates in Flint, MI, can vary depending on the value of your home, the amount of coverage you need, and the insurance company you choose. It's important to compare rates from multiple insurers to find the best deal. You can also save money on your homeowners insurance by bundling it with other types, such as auto insurance. Here are a few approaches for finding affordable homeowners insurance in Flint, MI.

Factors affecting home insurance in Flint, MI:

1. Homeowners insurance rates by coverage levels

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by the age of the home

4. Homeowners insurance rates by the safety features

Homeowners Insurance Rates Based on Coverage Level in Flint, MI

As you shop for homeowners insurance in Flint, Michigan, you'll notice that coverage levels greatly impact price. Here's a look at how coverage levels affect the cost of homeowners insurance in Flint and how to choose the right amount of coverage for your needs. The lower the coverage level, the lower your rates will be. However, it's crucial to ensure you have enough insurance to safeguard your house and possessions in case of a covered loss. Your choice of coverage will be based on the combined value of your home and personal goods. However, you are free to choose to insure for more or less. Remember that if you are underinsured, you can be responsible for the difference if your home or other possessions are damaged or lost.

Here is a graph showing the level of coverage and relevant house insurance premiums in Flint, MI.

Homeowners Insurance Rates Based on Deductibles in Flint, MI

A deductible is an out-of-pocket amount you will have to pay before your insurance policy kicks in. The higher your deductible, the lower your monthly premium will be. That’s because you are taking on more of the risk yourself. Insurance companies like to see policyholders with high deductibles because it indicates that they are more financially responsible and less likely to file a claim. You don’t want to set your deductible so high that you can’t afford to pay it if you have to file a claim. A good rule of thumb is to set your deductible at an amount you could comfortably pay out-of-pocket if necessary. For example, homeowners in Flint, Michigan, who selected a $1500 deductible for their home insurance pay $726, while those who selected a $500 deductible pay $853.

Homeowners Insurance Rates Based on the Age of the Home in Flint, MI

As the average age of homes in Flint, MI, continues to increase, the cost of homeowners insurance also rises. This is because older homes are more likely to have problems that require more expensive repairs, such as foundation issues or roof leaks. In addition, older homes are more likely to be targeted by burglars and vandals, which can drive up the cost of insurance. As a result, it is important to factor in the age of your home when shopping for homeowners insurance in Flint, MI. For instance, in Flint, Michigan, rates for newly constructed homes are $673, while those 40 years or older are $885.

Homeowners Insurance Rates Based on the Safety Features in Flint, MI

When it comes to finding the best homeowners insurance rates, one important factor to consider is your home's safety features. In Flint, Michigan, several safety features can help keep your rates low. Homes with amenities like security systems, fire sprinklers, and deadbolt locks typically receive a rate break. This is so that there is less chance that a fire or burglary may harm or destroy your house. For instance, homeowners in Flint, Michigan, who have a fire extinguisher and a deadbolt pay $794 and $777.

Top Home Insurance Companies in Flint, MI

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Allstate A+ 8.44%
Nationwide A+ 7%
Liberty Mutual A 4.84%
GEICO A++ 3.8%
Erie A+ 3%

Top Nationwide Home Insurance Agents in Flint, MI

Homeowners Insurance Agents Agent Address Contact Details
Estal Insurance And Financial Services Inc 248 E Saginaw St Ste 1
48823
(517) 333-8500
Mountain Pacific Ins Agcy 8042 GRAND RIVER RD
48114
(810) 227-1410
Debbie Westerfield 410 S Main St Ste 201
48065
(586) 752-6210
Polvogt Insurance And Financial Services Inc 292 S Broadway St Ste 2a-2b
48362
(248) 814-8040
Doug Pyron 1595 S Opdyke Rd
48304
(248) 858-7633
Polvogt Ins & Fin Srvcs Inc Agency 102 W Saint Clair St Ste C
48065
(586) 231-9308
Stamus Insurance Agency Inc 1640 Axtell Drive
48084
Polvogt Insurance And Financial Services Inc 2246 N Lapeer Rd
48446
(810) 664-1814
David M. Smith 37177 Mound Rd
48310
(586) 977-6850
All About Insurance 4182 Pontiac Lake Rd
48328-1258
248-618-9812

Top GEICO Home Insurance Agents in Flint, MI

Homeowners Insurance Agents Agent Address Contact Details
Jay Pletch 30777 NORTHWESTERN STE 201
48333
248-855-6690
Email:jpletch@geico.com
Darrell Fisher 26455 W Eight Mile Road
48240-1140
313-387-9497
Email:dfisher@geico.com
Guillermo Calvillo 8071 Main St
48130
(734) 408-4452
Email:gcalvillo@geico.com
William Griffin 3835 Davison Rd Flint
48506

Email:wgriffin@geico.com

Top Erie Home Insurance Agents in Flint, MI

Homeowners Insurance Agents Agent Address Contact Details
Neil P Kadey 2855 COOLIDGE HWY STE 204
48084
248-619-3400
Dennis Evchich Agency 2205 Jolly Rd Ste E1
deinsurance.net 48864
(517) 347-7160
Grimsley Agency Of New York Llc 9009 Davison Rd
48423
(810) 658-2111
Thurston & Heare Insurance 3741-C E Wilder Bay\u00a0City
48706

Email:thurstonheare@comcast.net
Pombo Insurance Services 2661 S Lapeer Rd Ste 201
48360
(248) 391-0000
Baer Insurance Services Llc 11455 E 13 Mile Rd
www.baerinsurance.com 48093-2502
586-264-9664
Butler Insurance Services Inc. 11548 Highland Rd
48353-2732
810-632-2300
Cascade Insurance Group Llc 28275 Orchard Lake Rd Ste 101
48334-3766
248-848-0070
Hale Insurance 123 N Clinton Ave
48879
(989) 224-4444
Swor Insurance Agency Llc 30795 John R Madison\u00a0Heights
48071

Top Allstate Home Insurance Agents in Flint, MI

Homeowners Insurance Agents Agent Address Contact Details
Shi-Chen Liu 2380 Science Parkway Ste 106
48864
Brian Sharp 15100 N Holly Rd
48442-1139
248-634-1277
Mid State Ins Agy 611 N Saginaw St
48442
(248) 634-7731
Jay Paternostro 14061 13 MILE RD STE 2
48088
248-258-1110
Charina Dimaano 9278 Highland Rd Ste 7
48386-2385
248-887-6004
Robert S Feldman 3001 E Highland Rd
48356
(248) 714-8767
Jay M. Dubin 4209 SASHABAW RD
48329
248-674-2271
Stefanos Panagioulakis 4343 State
48603
(989) 607-0686
Abel Ins Agency I 1145 W Long Lake Rd Ste 300
48302-1364
248-792-9230
Bradley Walden 4167 E 14 Mile Rd
48310-6435
586-979-7050

Top Liberty Mutual Home Insurance Agents in Flint, MI

Homeowners Insurance Agents Agent Address Contact Details
Richard Collier 610 W Grand River Ave
48895
(517) 655-6010
Anthony Vuocolo 14511 W McNichols Rd
48235-3935
313-862-7800
Cindy Herb 2941 Crooks Rd
48309-3663
855-732-6436
Benjamin Geaney 6447 Rochester Rd
48085-1306
248-457-1700
Edwin Reid-Selth Lutcf 6606 Telegraph Rd Ste B
48301
(248) 599-1500
Jennifer Hoffman 24 FRANK LLOYD WRIGHT DR STE J4100
48105
734-741-0044
Giancarlo Arpino 5150 W Pierson Rd Ste 4
48504
(810) 720-0100
Nancy Hess-Koller Clu Chfc 3001 W BIG BEAVER RD STE 302
48084
(248) 643-4800
Christopher Perrier 841 E Grand Riv Ave
48116-1801
810-227-3630
Stephanie Banner 3694 Clay Street
48446

Homeowners Insurance Comparison for the Cheapest Premiums in Flint, MI

NationwideErieLiberty Mutual
Median Home Value ($) 25,38025,38025,380
Construction year 198919821966
Home Coverage ($) $75000-$100000$50000-$75000$50000-$75000
Total Premium ($) $910$866$855

Flint, MI Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 6%
GEICO upto 17%
Erie upto 24%
Allstate upto 23%
Liberty Mutual upto 16%