Average homeowners insurance cost in Warren, Michigan

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Our data shows that the average cost of homeowners insurance in Warren is $2,857 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $275 more than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Warren depend on several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Warren, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Warren.

Key Takeaways

Homeowners insurance costs $2,857 per year in Warren.
At $635 per year, Auto-Owners offers the cheapest homeowners insurance in Warren.
Your home insurance rates increase by $730 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost per month

Residents of Warren pay an average of $238 per month for homeowners insurance. This is $38 more than the state average of $200 and $23 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Warren can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $2,127 per year in Warren. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house

Warren residents pay an average of $2,857 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $730 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

Average homeowners insurance cost in Warren by company

Among the carriers we analyzed, Auto-Owners is the most affordable homeowners insurance company in Warren, offering an average annual rate of $635 , while Automobile Club MI (AAA) ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Warren and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Warren and what you can expect to pay with each one on average.

Home Insurance Company	Annual rate
Auto-Owners	$635
Automobile Club MI (AAA)	$1,747
Frankenmuth Insurance	$2,223
The Hanover	$3,410
Farmers	$3,600
Michigan Farm Bureau	$6,973
State Farm	$2,081
USAA*	$2,708

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

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

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

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Warren for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 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.