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What is the Cost of Homeowners Insurance in Ionia County, MI

In the USA, the national average premium is $1224. The cost of homeowners insurance varies significantly based on your home’s location and state laws. Based on the research, the average cost of homeowners insurance in Ionia County is $724.59, lower than the state average and national average premium. The state average premium is $775.

Considering that, the cost of homeowners insurance is set after scrutinizing certain factors. Few such factors are the home value, coverage type, deductible, age of the home, the material used to build your house, etc. Therefore, it is necessary to understand the homeowners insurance rates set in Ionia County, MI, to maintain the balance as per your needs.

Homeowners insurance in Ionia County, MI, can take advantage of special discounts to reduce the cost of their house insurance. Check out the different factors which can get you a discount on your homeowners insurance cost in Ionia County, MI.

Average Cost of Homeowners Insurance in Ionia County Based on the Material Used

Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.

For instance, homes built with fire resistive brick are offered at a premium of $653 in Ionia County, whereas homes built with Masonry and Brick are offered at a premium of $689. Thus, if you use low quality materials to construct your house, the premium charged will be higher.

Refer to the chart below to know the applicable rates based on the material used to build the house. 

What_is_the_Cost_of_Homeowners_Insurance_in_Ionia_County_MI

Homes with advanced level security features like fire extinguishers, smoke detectors, new locks are less prone to burglaries and damage. Therefore, homeowners insurance companies in Ionia County encourage homeowners to install home safety devices by offering discounts as incentives. Homes in Ionia County with deadbolts and fire extinguishers pay $637.63 and $666.62, respectively, on home insurance rates. In addition, homes equipped with burglar alarms and smoke detectors pay $659.37 and $652.13, respectively, on homeowners insurance.

Other than that, homeowners can save by taking higher deductibles. The deductible is the amount of money that a homeowner pays out of pocket before their insurance policy pays any claims. By choosing a higher deductible, homeowners can lower their monthly premiums. Typically, homeowners choose to pay a deductible of $1500 to $2000 to get $610 and $554 worth of coverage, respectively.

Top Home Insurance Companies in Ionia County, MI

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 16.37%
Allstate A+ 8.44%
Travelers A++ 8.4%
Nationwide A+ 7%
Liberty Mutual A 4.84%

Top State Farm Home Insurance Agents in Ionia County, MI

Homeowners Insurance Agents Agent Address Contact Details
Connie Myers 735 W Lake Lansing Road
www.conniebmyers.com 48823-8533
517-351-5600
Travis Williams 518 W Shaw St
www.protectingmnlives.com 49329
Steve Sipes 2213 E Grand River
www.sipesinsures.com 48912
Sherri Morrill 117 E Maple
www.sherrimorrill.com 48854
Valerie Bean 4165 Prairie St Sw Ste A Grandville
www.sfteambean.com 49418
Christina Smith 630 S State St Ste C
www.christinasmithagency.com 49345-1558
616-887-4933
Jennifer Hubbs 2401 CAMELOT CT
www.jenniferhubbs.com 49546
616-285-3358
Mike Vanminos 408 KALAMAZOO PLAZA STE 1
www.vanminos.com 48933
(517) 377-0250
Sherlock O'Neill 126 Eaton Street
www.dewittsfinsurance.com 48615
Tom George 975 S Warner
www.thgeorge.com 48889

Top Liberty Mutual Home Insurance Agents in Ionia County, MI

Homeowners Insurance Agents Agent Address Contact Details
Richard Chesler 4277 Okemos Rd Ste 500
48864
(517) 449-7674
Joel Lockwood 6011 W RIVER DR NE
49306
616-361-3400
Richard Collier 610 W Grand River Ave
48895
(517) 655-6010
Dusty Mcintyre 4240 29th St SE
49512
(616) 554-5900
Tony Betts 119 Pere Marquette 119 Pere Marquette
48912
Athena Hughes 308 E Main Street PO Box 669
48888
989-831-5250
Donald Matthew 2845 Wilson Ave SW Ste B
49418
(616) 538-4200
Stuart Pirrung Lutcf 311 S Lafayette St
48838
Jennifer Goeke 100 W SAGINAW HWY STE C
48837
517-627-8080
Jennifer Giaquinto 1141 CENTENNIAL WAY
48917
517-323-9473

Top Allstate Home Insurance Agents in Ionia County, MI

Homeowners Insurance Agents Agent Address Contact Details
Robert A. Mauldin 3715 W Jolly Rd
48911
(517) 253-0218
Shawn Smith 1131 W Superior St
49348
Cole Agency 450 E Saginaw Hwy Ste 101
48837-2186
517-627-8600
Richard Coltran 3490 Belle Chase Way Ste 140
48911
(517) 393-6755
William Turner 975 Three Mile Road Nw Grand\u00a0Rapids
49544
(616) 723-9419
Bob Kim 12452 Stafford Rd
49451-9783
231-853-2828
Barry V. Hasson 263 N 20th St
49037-8101
269-968-5130
Stacy White 232 Trowbridge St
49010
Felicia Folarin 4300 Plainfield Ave NE Ste C
49525
(616) 363-9797
Welling Insurance 1480 Kendale Blvd East\u00a0Lansing
48823

Top Travelers Home Insurance Agents in Ionia County, MI

Homeowners Insurance Agents Agent Address Contact Details
Diaz Agency Inc 146 W Michigan Ave
49068
(269) 781-2100
C Benjamin Spradley Ins Agency 7055 Tower Rd Ste H
49014-8604
269-962-4041
Email:bspradley@azaleainsurance.com
Mitchell Insurance Inc 590 CASCADE WEST PKWY SE
49546
(616) 942-5480
Moran Insurance Agency 2060 E REMUS RD
48858
(989) 772-9487
Varney Agency Ellsworth 325 E Grand River Ave 325 E Grand River Ave East\u00a0Lansing
www.varneyagency.com 48823
East Bay Ins Agency Inc 2055 28th St Se Ste 16
ebinsure.com 49508
(616) 421-3007
Email:elizabeth@ebinsure.com
Alitt Insurance Agency 300 S Lafayette St
48838-1974
616-754-3647
Palmetto Insurance Assoc Llc Of Anderson 206 N FRANKLIN ST
48858
(989) 773-7353
First Brokers Insurance Agency New Jersey Llc 65 S Main St Ste 101
www.firstbrokersinsurance.com 49341
(616) 863-7849
Aa Insurance Consultants 6883 Cascade Rd SE Ste C
www.aa-insure.com 49546-6899
616-942-4760

Top Nationwide Home Insurance Agents in Ionia County, MI

Homeowners Insurance Agents Agent Address Contact Details
Bruns Insurance Services Llc 6414 Lk Michigan Dr
49401-9227
616-895-7161
Dusty Kilgore Insurance Agency Inc 228 S Waverly Rd
48917
(517) 323-4500
Christopher M Hurley 8709 Gull Rd Ste A
49083-8314
269-629-4000
Darst Agencyinc. 5165 Kalamazoo Ave SE
49508-4817
616-455-8200
Clara O Mendoza Agency 430 68th St SW Ste 3
49548-7968
616-455-7060
Barbara J Luczkowski 181 North Ave
49017-3467
269-968-8177
Estal Insurance And Financial Services Inc 248 E Saginaw St Ste 1
48823
(517) 333-8500
Eshbaugh Ins Services Llc 8516 Homestead Dr Ste 110
49464
(616) 741-1711
Wene Ins Group Llc 645 Lamoreaux Dr Nw
49321
Tim Crawford Insurance Agency Inc 3055 44Th St Sw Grandville
49418

Homeowners Insurance Comparison for the Cheapest Premiums in Ionia County, MI

TravelersNationwideLiberty Mutual
Median Home Value ($) 125,300125,300105,300
Construction year 201219882013
Home Coverage ($) $125000-$150000$150000-$175000$175000-$200000
Total Premium ($) $1124$1278$956

Ionia County, MI Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Liberty Mutual upto 16%
Allstate upto 20%
Travelers upto 5%
Nationwide upto 5%