Home Home insurance Average home insurance cost Michigan Sterling Heights, MI Average homeowners insurance cost in Sterling Heights, MI View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Sterling Heights is $2,557 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $25 less than the national average of $2,582.Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Sterling Heights depend on several factors, including:Size of your home Age of your home Amount of coverage you need Location Your credit score Auto-Owners is the cheapest homeowners insurance company in Sterling Heights with an average annual premium of $2,557 per year. This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Sterling Heights. Keep reading to learn about the monthly cost of homeowners insurance in Sterling Heights, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Sterling Heights. Key takeawaysThe 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 According to our rate analysis, homeowners in Sterling Heights pay an average of $213 per month. It’s $13 more than the state average of $200 and $2 less than the national average for home insurance across the United States. In Sterling Heights, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select. Average homeowners insurance cost for a $200,000 house in Sterling Heights In Sterling Heights, MI, 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. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance. Average homeowners insurance cost for a $300,000 house in Sterling Heights According to Insure.com’s rate analysis, 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. It is advisable to 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 analyzed, Auto-Owners is the cheapest homeowners insurance company in Sterling Heights. It’s average annual rate for Sterling Heights homeowners is $587. Automobile Club MI (AAA) ranks second and Frankenmuth Insurance makes it to the third spot with an average annual home insurance rate of $1,753. Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Sterling Heights and prepared a list of the cheapest home insurance providers. You can find below the Sterling Heights home insurance companies and their average annual premium. Home Insurance Company Annual rate Automobile Club MI (AAA)$1,665Frankenmuth Insurance$1,753State Farm$2,003Farmers$2,657The Hanover$3,353Michigan Farm Bureau$6,768Auto-Owners$587USAA*$2,509 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. How much is home insurance in other citiesAnn ArborDetroitGrand RapidsWarren In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles How to prepare for a hurricane By Shivani Gite Is mortgage disability insurance worth it? By Les Masterson Average homeowners insurance cost by ZIP code in 2024 By Barry Eitel Hurricanes and home insurance: How hurricane insurance works By Les Masterson Does homeowners insurance cover theft? By Nupur Gambhir Does home insurance cover fires from alternative heating sources? By Ashlee Tilford On this page Average homeowners insurance cost in Sterling Heights per month Average homeowners insurance cost for a $200,000 house in Sterling Heights Average homeowners insurance cost for a $300,000 house in Sterling Heights Average homeowners insurance cost in Sterling Heights by Company Methodology ZIP Code Please enter valid ZIP See rates