How Can I Make My Livonia, MI Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Livonia, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Livonia, MI Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $109,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $161,000 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $189,000 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $218,000 | $200,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Livonia, MI | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$143 | $653 |
| Superior Protection Discount | -$80 | $717 |
| Fire & Security Discount | -$80 | $717 |
| Hail Resistant Roof Discount | -$24 | $772 |
| Newly Constructed Home Discount | -$207 | $589 |
Choose the Right Deductible for your Livonia, MI Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Wayne County | $700 | $679 | $1,379 | $493 | $1,193 | $185 |
| Livonia, MI | $2,500 | $787 | $3,287 | $572 | $3,072 | $215 |
| Plymouth, MI | $200 | $803 | $1,003 | $583 | $783 | $219 |
| Canton charter, MI | $1,000 | $741 | $1,741 | $539 | $1,539 | $203 |
| Grosse Pointe Farms, MI | $200 | $858 | $1,058 | $624 | $824 | $235 |
| Lake Orion, MI | $1,000 | $952 | $1,952 | $692 | $1,692 | $260 |
| Frenchtown, MI | $300 | $694 | $994 | $504 | $804 | $190 |
| Iosco, MI | $2,500 | $847 | $3,347 | $615 | $3,115 | $231 |
| Swartz Creek, MI | $200 | $675 | $875 | $491 | $691 | $185 |
| Ingham, MI | $700 | $794 | $1,494 | $577 | $1,277 | $217 |
| Lucas County, OH | $200 | $622 | $822 | $452 | $652 | $170 |
| Lenawee County, MI | $2,000 | $727 | $2,727 | $529 | $2,529 | $199 |
Identify Top Home Insurance Agents near Livonia, MI | Back to Top
| Home Insurance Company Livonia, MI | Homeowners Insurance Agency Livonia, MI | Address | Popularity Score | Distance from Livonia (miles) |
|---|---|---|---|---|
| State Farm | Margaret Cuva | 18530 E 9 Mile Rd, Eastpointe, MI, 48021-1951 | 22.9 | |
| State Farm | Jennifer Sobier | 5276 Pte Tremble Rd, Algonac, MI, 48001-4365 | 43.2 | |
| State Farm | John O'Leary | 39221 Grand River Avenue, Farmington Hills, MI, 48335 | 6.0 | |
| Travelers | Al Bourdeau Insurance Agency | 30777 Northwestern Ste 201, Farmington Hills, MI, 48333 | 8.3 | |
| Liberty Mutual Independent | Daly Merritt Inc | 100 Maple St, Wyandotte, MI, 48192 | 17.6 | |
| State Farm | Brad Baynai | 16121 Eureka Rd, Southgate, MI, 48195-2943 | 15.8 | |
| Liberty Mutual Independent | Autumn Associates | 33930 W 8 Mile Road Ste 2a , Farmington, MI, 48335 | 3.1 | |
| State Farm | Lisa Lindbloom | 29510 Ford Rd, Garden City, MI, 48135-2318 | 5.3 | |
| State Farm | Julia Patton | 3190 Rochester Rd Ste 101, Troy, MI, 48083-5464 | 17.1 | |
| State Farm | Steve Robbins | 380 N Cedar St, Imlay City, MI, 48444-1178 | 46.2 |
Compare Rates for Livonia, MI Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,090 | $530 |
| Wayne County, MI | $92,400 | $687 | $460 | $940 | $480 |
| Livonia, MI | $170,500 | $796 | $530 | $1,130 | $600 |
| Plymouth, MI | $267,400 | $812 | $580 | $1,160 | $580 |
| Canton charter, MI | $223,700 | $750 | $500 | $1,040 | $540 |
| Grosse Pointe Farms, MI | $298,400 | $869 | $590 | $1,190 | $600 |
| Lake Orion, MI | $266,100 | $964 | $670 | $1,370 | $700 |
| Frenchtown, MI | $122,300 | $702 | $510 | $1,000 | $490 |
| Iosco, MI | $198,200 | $857 | $570 | $1,220 | $650 |
| Swartz Creek, MI | $108,700 | $684 | $500 | $940 | $440 |
| Ingham, MI | $157,900 | $804 | $590 | $1,120 | $530 |
| Lucas County, OH | $109,000 | $630 | $430 | $890 | $460 |
| Lenawee County, MI | $124,900 | $736 | $540 | $1,020 | $480 |
Research Home Insurance Companies Reviews in Livonia, MI Before Buying | Back to Top
Share a review on your home insurance company
Foremost Insurance Home Insurance Reviews
Date: March 10, 2019 Age: Above 60 Gender: Male Marital Status: Married
Policy Offerings
They offer mobile home insurance. No other company offers this kind of insurance in our area. They seem more interested in helping than other insurance companies I have dealt with.
Date: March 10, 2019 Age: Above 60 Gender: Male Marital Status: Married
Customer Service
They have always been helpful. The local agents are responsive and the national organization has been helpful. When we had a claim they were right on it an paid quickly.
Date: January 30, 2019 Age: Above 60 Gender: Male Marital Status: Married
Customer Service
They were very responsive to my needs when I suffered a loss. They are easy to deal with. They didn't fight with us and payed the claim promptly.
Date: August 09, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Website/App
there is no mobile app to use for payments. the website is intuitive and easy to use and make direct payments or set up for automated payments.
Date: July 27, 2018 Age: Above 60 Gender: Female Marital Status: Married
Policy Offerings
hurricane insurance, flooding, liability, and any major damages occurring. part of the coverage comes from home for the land surrounding the property.
Date: July 26, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
the agents I've spoken to have all been very helpful and work as advocates for their clients. they stay in contact and don't shrug off interacting while being available whenever I need.
Date: May 05, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
the agents are well trained and very helpful. they all have the good demeanor and the office has a welcoming ambiance. the agents all are prompt with contacting if not immediately available.
Date: March 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
the amount of coverage is much lower using this current company. I've used them on and off for the past 10 years and their rates are consistently less even with the larger occurrence of bad weather.
Allstate Home Insurance Reviews
Date: July 19, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
Allstate has worked very well for us. They are always quick to address any concerns we may have at all and are always available to help guide us to the right choices about our home.
Date: December 29, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
The policy was comparable to other policies. With all state if I bundled it they seemed to have the best rate at the time I was looking.
MetLife Home Insurance Reviews
Date: October 19, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
As stated above, I really don't like conducting business via text message. I prefer to have a conversation.
Nationwide Home Insurance Reviews
Date: September 06, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I have not had any issues with Nationwide's customer service. They have been prompt in responding with anything that I have needed to ask them.
Travelers Home Insurance Reviews
Date: November 18, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Our premium is reasonable for our company. We looked at three different companies at the time and they were all very similar. We have not had to use our deductible.
Frankenmuth Insurance Home Insurance Reviews
Date: January 08, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
The policy I currently have is very relevant to the needs that I have. I don't feel they over sell me with a bunch of items in a package that I don't need.
Safeco Insurance Home Insurance Reviews
Date: February 23, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
They combine with automobile insurance and offer good discounts. We were impressed with the savings compared to our previous company who kept going up and up.
GEICO Home Insurance Reviews
Date: August 08, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
Geico lets you have a minimum deductible of $1000 for full house replacement and $100 for liability issues on the home. Thus is if you have a smaller issue you don,t end up paying for the whole thing yourself.
Farmer's Insurance Home Insurance Reviews
Date: February 26, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
it is cheaper. I have checked several times and have had not issue with pricing since I have it bundled with my auto insurance.