Average homeowners insurance cost in Sterling Heights, Michigan

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In Sterling Heights, homeowners pay an average annual rate of $2,557 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $25 less than the national average of $2,582 .

Homeowners insurance premiums can vary significantly from one property to another. In Sterling Heights, the cost of home insurance is influenced by several factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Sterling Heights, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Sterling Heights.

Key Takeaways

The cost of your homeowners insurance policy in Sterling Heights can vary based on factors such as your location, the value of your home, and the coverage options you select.
Auto-Owners is the cheapest homeowners insurance company in Sterling Heights with an average annual premium of $587 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $644 more annually for home insurance.

Average homeowners insurance cost in Sterling Heights per month

Residents of Sterling Heights pay an average of $213 a month for homeowners insurance. It’s $13 more than the state average of $200 and $2 less than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Sterling Heights may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Sterling Heights, homeowners pay an average of $1,913 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

Average homeowners insurance cost for a $300,000 house

Homeowners in Sterling Heights typically pay an average of $2,557 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $644 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Sterling Heights by company

Among the carriers we analyzed, Auto-Owners is the cheapest homeowners insurance company in Sterling Heights. Its average annual rate for Sterling Heights homeowners is $587 , while Automobile Club MI (AAA) ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Sterling Heights and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home Insurance Company	Annual rate
Automobile Club MI (AAA)	$1,665
Frankenmuth Insurance	$1,753
State Farm	$2,003
Farmers	$2,657
The Hanover	$3,353
Michigan Farm Bureau	$6,768
Auto-Owners	$587
USAA*	$2,509

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Michigan that can impact your home insurance

Living in Michigan comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Michigan is commonly affected by Strong wind.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Make sure your coverage is disaster-ready

The best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Sterling Heights for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.