Top 5 Home Insurance Companies in Ionia County, MI
Check out the most popular Home Insurance agencies & companies in Ionia County, MI & compare the best quotes from them.
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.
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 |
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| Steve Sipes | 2213 E Grand River www.sipesinsures.com 48912 |
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| Sherri Morrill | 117 E Maple www.sherrimorrill.com 48854 |
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| Valerie Bean | 4165 Prairie St Sw Ste A Grandville www.sfteambean.com 49418 |
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| 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 |
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| Tom George | 975 S Warner www.thgeorge.com 48889 |
| 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 |
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| 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 |
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| Jennifer Goeke | 100 W SAGINAW HWY STE C 48837 |
517-627-8080 | |
| Jennifer Giaquinto | 1141 CENTENNIAL WAY 48917 |
517-323-9473 |
| 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 |
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| 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 |
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| Felicia Folarin | 4300 Plainfield Ave NE Ste C 49525 |
(616) 363-9797 | |
| Welling Insurance | 1480 Kendale Blvd East\u00a0Lansing 48823 |
| 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 |
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| 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 |
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| East Bay Ins Agency Inc | 2055 28th St Se Ste 16 ebinsure.com 49508 |
(616) 421-3007 Email:elizabeth@ebinsure.com |
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| 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 |
| 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 |
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| Tim Crawford Insurance Agency Inc | 3055 44Th St Sw Grandville 49418 |
| Travelers | Nationwide | Liberty Mutual | |
| Median Home Value ($) | 125,300 | 125,300 | 105,300 |
| Construction year | 2012 | 1988 | 2013 |
| 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% |