Top 5 Home Insurance Companies in Flint, MI
Check out the most popular Home Insurance agencies & companies in Flint, MI & compare the best quotes from them.
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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Nationwide | Erie | Liberty Mutual | |
| Median Home Value ($) | 25,380 | 25,380 | 25,380 |
| Construction year | 1989 | 1982 | 1966 |
| 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% |