Average homeowners insurance cost in Sterling Heights, MI

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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 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

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)	$1,665
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

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.