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Tips for Saving Money on Home Insurance in Midland, MI

In Midland, MI, the average cost of homeowner's insurance is $747.87. As a Midland homeowner, you know the importance of protecting your home and belongings. And while you may have taken steps to secure your home, such as installing a home security system, you can't always control what happens outside your home. That's where home insurance comes in. Home insurance is designed to protect your home and belongings from damage or loss due to various events, such as fires, storms, theft, and more. And while it's not required by law, home insurance is a good idea for any homeowner. If you're looking for home insurance in Midland, MI, there are a few things you should keep in mind:

1. Make sure you shop around and compare rates from different companies. Home insurance rates can vary depending on the insurer, so it's important to compare rates before you buy.

2. Make sure you understand what your policy covers. Home insurance policies can vary, so it's essential to understand what's covered before you buy. For example, some policies may cover fire damage, but not storm damage.

3. Make sure you review your policy periodically to ensure it still meets your needs And while home insurance isn't required by law, it's a good idea for any homeowner.

So if you're looking for home insurance in Midland, MI, make sure you shop around, understand what your policy covers, and review your policy periodically. The top home insurance companies in Midland, MI, offering home insurance at competitive rates, are listed below.

Tips that can save you some money on your homeowner's insurance in Midland, MI:

1. Choose a coverage that fits your home requirements

2. Opt for a higher deductible to lower your insurance premiums

3. Check home insurance rates by the age of the house

4. Install security systems at your home to avail discounts on homeowners insurance

Choose a Coverage that Fits Your Home Requirements

The level of coverage a policyholder selects will directly impact the cost of their homeowner's insurance in Midland, Michigan. Premiums will increase as coverage levels increase, while premiums will decrease as coverage levels decrease. For the best deal on their homeowner's insurance, policyholders must closely review the level of coverage they require. The price of the house, the amount of personal property it contains, and the policyholder's liability risk are among the elements that influence the required level of coverage. Homes with higher values will require extra insurance to guard against potential losses. For instance, homeowners in Midland, Michigan, who select a $300K coverage level pay $2226 for home insurance, compared to $640 for those who select a $100K coverage level.

The chart below shows that the price of home insurance in Midland, Michigan, fluctuates with the amount of coverage.

Opt for a Higher Deductible to Lower Your Insurance Premiums

When it comes to homeowners insurance, one of the best ways to save money is to opt for a higher deductible. A higher deductible means that you will be responsible for paying more out-of-pocket expenses in the event of a claim, but it also means that your overall insurance costs will be lower. You will need to make sure that you have enough money saved to cover the higher deductible if you need to make a claim. But if you are confident in your ability to do so, opting for a higher deductible is a great way to save money on your homeowners insurance. In Midland, Michigan, the higher the deductible, the lower the house insurance prices. As a result, Midland, Michigan residents who choose a $500 deductible spend $739 for their house insurance.

Check Home Insurance Rates by the Age of the House

Homeowners insurance rates in Midland, Michigan, often rise with a home's age. This is so because older homes are more likely to have plumbing, electricity, or roofing issues that call for repairs or replacement. Older houses are also more likely to incur fires, which may be quite expensive to put out. As a result, it's crucial to take into account a home's age when searching for homeowners insurance in Midland, Michigan. For instance, in Midland, Michigan, residents 30 or 40 years old pay $760 and $768 for insurance, whereas newly built homes cost $591.

Install Security Features at Your Home to Avail Discounts on Homeowners Insurance

One of the best ways to reduce risk is to install safety features in your home. This includes smoke detectors, security systems, and fire extinguishers. By taking these measures, you can help protect your home and family in an emergency. And as a bonus, most insurance companies offer discounts for homes with these safety features. For instance, in Midland, Michigan residences with fire extinguishers and deadbolts pay $688 and $666 for home insurance.

Top Home Insurance Companies in Midland, MI

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Allstate A+ 8.44%
Travelers A++ 8.4%
Nationwide A+ 7%
Liberty Mutual A 4.84%
Erie A+ 3%

Top Erie Home Insurance Agents in Midland, MI

Homeowners Insurance Agents Agent Address Contact Details
Acumen Risk Advisors Llc 1244 N Mich Ave
Aaaa Insurance & Financial Services Llc 301 E Main St
Betterway Insurance Center 30 N Center Rd Ste 1
The Beneigh Insurance Group 305 N Shiawassee St
B Skowron Corporation 101 E Cedar Ave
Hale Insurance 123 N Clinton Ave
(989) 224-4444
Thurston & Heare Insurance 3741-C E Wilder Bay\u00a0City

Top Nationwide Home Insurance Agents in Midland, MI

Homeowners Insurance Agents Agent Address Contact Details
Smith And Associates Inc 107 S Main St
Charles Conley 3101 N Linden Rd
Edwards Ins Agency 402 E 5th St
(989) 386-8005
Van A Wallace 400 W Houghton Ave West\u00a0Branch
Edward Crisler Rawson 6185 Tittabawassee Rd Ste 4
(989) 497-0300
Catherine L Glemser Lutcf 11258 N Clio Rd
Tonya D Parks 110 N James

Top Travelers Home Insurance Agents in Midland, MI

Homeowners Insurance Agents Agent Address Contact Details
Charlie White Agency 122 S Main St Ste 3
Moran Insurance Agency 2060 E REMUS RD
(989) 772-9487
Palmetto Insurance Agency Of S Carolina Llc 5580 STATE ST STE 1
(989) 799-8808
David Schuppler And Associates 3085 Bay Rd Ste 9 48603
(989) 799-5446
Britton & Britton Ins Serv Inc 2264 E Remus Rd 48858-9001
American Underwriters Ins Agencies Inc 118 South Elm St 48626
Moore Resources 414 TOWNSEND ST 48640
(989) 835-6701
Warburton Insurance Services Inc 817 W Houghton Ave West\u00a0Branch 48661

Rightway Insurance Llc 316 N Mission St Ste D
(989) 775-3221
Right Rate Insurance Services 1454 N Mcewan St
(989) 386-9099

Top Liberty Mutual Home Insurance Agents in Midland, MI

Homeowners Insurance Agents Agent Address Contact Details
Christine Richardson Lutcf 3741 Tittabawassee Rd Ste B
Giancarlo Arpino 5150 W Pierson Rd Ste 4
(810) 720-0100
Athena Hughes 308 E Main Street PO Box 669
Andrew Kim 542 State Rd Ste 6

Top Allstate Home Insurance Agents in Midland, MI

Homeowners Insurance Agents Agent Address Contact Details
Alan Aronson 3923 Bay Rd
Stefanos Panagioulakis 4343 State
(989) 607-0686
Jennifer Harms 5347 DIXIE HIGHWAY
Richard Carter 220 W Main St Ste A
(989) 729-7301
Timothy Davis 3012 N Saginaw Rd
Valley Insurance 3810 N Huron Rd
Dan Laidlaw 301 E Main
Wells-Mac Clenny 4884 Gratiot Rd, #15
Amit Aery 6902 Gratiot Rd
Sheila Stennis 610 Adams Bay\u00a0City

Homeowners Insurance Comparison for the Cheapest Premiums in Midland, MI

Liberty MutualTravelersNationwide
Median Home Value ($) 149,600139,600149,600
Construction year 199619691984
Home Coverage ($) $150000-$175000$200000-$250000$175000-$200000
Total Premium ($) $1238$1265$1140

Midland, MI Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Erie upto 17%
Nationwide upto 8%
Travelers upto 10%
Liberty Mutual upto 15%
Allstate upto 24%