How Can I Make My Detroit, MI Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Detroit, MI by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

Compare Quotes from Top Providers and Save now!

Estimate Appropriate Detroit, MI Home Insurance Coverage Levels | Back to Top

Detroit, MI - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
Manuel St, Girardin Ave, Glenwood Ave, E Dakota Ave, Blake St, Roslyn Pl, Everts Ave, Akron St, Pittsburg St, Ridgewood Ave $54,500 $50,000 $50,000-$75,000 $59,000 $50,000 $50,000-$75,000
Lothrop St, Edmund Pl, Inselruhe, Wisner Ave, Raynor St, Scovel Pl, Woodstock Dr, Yorkshire Rd, N Martindale St, North Ave $211,000 $180,000 $175,000-$200,000 $140,000 $120,000 $150,000-$175,000
Village Dr, Hessel St, Brinker St, Amsterdam St, Piper Blvd, Rex Ave, Springfield St, Jay St, Huber St, Miles St $76,000 $70,000 $75,000-$100,000 $66,000 $60,000 $50,000-$75,000
Crawford St, Casgrain St, Lewerenz St, Mac Crary Ave, Bates St, Compass Ave, Arnold Ave, Muncey Ave, Cutler St, Southern St $112,000 $100,000 $75,000-$100,000 $85,000 $70,000 $75,000-$100,000
A St, Waveney Ave, Winkelman St, Rademacher St, E Willis St, Gilbert Ave, Conner Ave, Picnic Way, Alfred St, Carlisle St $100,000 $80,000 $75,000-$100,000 $91,000 $80,000 $75,000-$100,000
Lovett St, Stringham Ct, Celia St, Bloom Ave, Chandler St, Toronto St, Erwin Ave, Whitlock St, Albany Ave, Antietam Ave $90,500 $80,000 $75,000-$100,000 $68,500 $60,000 $50,000-$75,000
Votrobeck Dr, Carlisle St, Scarsdale St, W Milwaukee St, Majestic St, Brockton St, Abbott St, Dumfries Rd, Harvard, Normandy St $96,500 $80,000 $100,000-$125,000 $84,500 $70,000 $50,000-$75,000
W Fisher Fwy, Grixdale Ave E, Homer St, Larkins St, W Fisher Fwy, Conrad Ave, Jeffries Svc Rd, Hasse Ave, Waterman St, Wellington Ave $77,000 $70,000 $75,000-$100,000 $50,000 $40,000 $50,000-$75,000
Leander Ave, August Ave, Butternut St, Northrop St, Sanford St, Manson St, Prescott Ave, Darcy St, Southfield Fwy Svc Rd, Devonshire Rd $65,500 $50,000 $50,000-$75,000 $74,500 $70,000 $75,000-$100,000
Eldridge St, Reno Ave, S Greyfriar St, Nuernberg St, W Bethune Ave, Chatfield St, S Leigh St, Radnor St, Weyher St, Ellis Ave $69,500 $60,000 $50,000-$75,000 $49,000 $40,000 $50,000-$75,000

Bundle your Detroit, MI Auto & Home Insurance from the Same Company | Back to Top

Detroit, MI Car Insurance Detroit, MI Home Insurance
Details Chevrolet, Silverado 1500 LT 2 Beds, 1 Baths, 1650 Square Feet worth $79000
Insurance Rates Individually $1,152.47 $3600
Savings from buying both from the same company $855.45

Choose the Right Deductible for your Detroit, 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
Michigan $400 $580 $980 $510 $910 $70
Wayne County, MI $700 $510 $1,010 $420 $1,120 $-110
Detroit, MI $2,000 $300 $800 $260 $2,260 $-1,460
Melvindale, MI $200 $300 $500 $250 $450 $50
Berkley, MI $700 $540 $1,040 $460 $1,160 $-120
Village of Grosse Pointe Shores, MI $500 $1,430 $1,930 $1,160 $1,660 $270
Pontiac, MI $700 $320 $820 $270 $970 $-150
Novi, MI $100 $1,280 $1,380 $1,100 $1,200 $180
Stony Point, MI $1,000 $630 $1,130 $520 $1,520 $-390
Columbus, MI $100 $620 $720 $520 $620 $100
Holly, MI $700 $560 $1,060 $480 $1,180 $-120
Attica, MI $400 $730 $1,130 $610 $1,010 $120
Marion, MI $2,000 $1,060 $1,560 $900 $2,900 $-1,340

Identify Top Home Insurance Agents near Detroit, MI | Back to Top

Home Insurance Company Detroit, MI Homeowners Insurance Agency Detroit, MI Address Popularity Score Distance from Detroit (miles)
State Farm Dawn Pullis 89 W South Blvd Ste 300, Troy, MI, 48085-1600
16.6
State Farm Michael Pikora 10841 W 10 Mile Rd, Oak Park, MI, 48237-1745
7.3
State Farm Bob Zakar 936 N Telegraph Rd, Dearborn, MI, 48128-1621
9.8
Allstate Ray Moulden 26013 Coolidge Hwy, Oak Park, MI, 48237
8.0
State Farm Ed Lazar 18352 Mack Ave, Grosse Pointe, MI, 48236-3219
9.8
Allstate Michael Barrett 2649 Plymouth Rd, Ann Arbor, MI, 48105
31.5
State Farm Brad Charles 11548 Highland Rd, Hartland, MI, 48353-2732
36.4
State Farm Mark Tabacchini 15224 Kercheval Ave, Grosse Pointe, MI, 48230-1356
8.3
State Farm Rich Francis 24366 Grand River Ave Ste 222, Detroit, MI, 48219-3098
9.6
State Farm Kenya Wells 20021 Kelly Rd, Detroit, MI, 48225-1921
9.1

Compare Rates for Detroit, MI Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Michigan $128,600 $590 $400 $820 $420
Wayne County, MI $97,100 $460 $330 $660 $330
Detroit, MI $59,700 $350 $260 $500 $240
Melvindale, MI $72,700 $380 $260 $540 $280
Berkley, MI $146,000 $610 $410 $840 $430
Village of Grosse Pointe Shores, MI $434,100 $1,390 $960 $1,920 $960
Pontiac, MI $70,900 $320 $230 $440 $210
Novi, MI $242,600 $1,120 $760 $1,550 $790
Stony Point, MI $119,800 $520 $360 $740 $380
Columbus, MI $145,600 $760 $520 $1,050 $530
Holly, MI $124,100 $630 $450 $860 $410
Attica, MI $158,400 $790 $540 $1,110 $570
Marion, MI $200,900 $900 $650 $1,290 $640

Research Home Insurance Companies Reviews in Detroit, MI Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: April 09, 2019    Age: Above 60    Gender: Male    Marital Status: Married

Policy Offerings
When I think of State Farm it is beyond home insurance.They offer home, auto, special lines and banking. I do not see that with Geico, or other specialized lines or carriers.


Date: April 01, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
There are limited companies that will insure on the east coast, and State Farm is one of them. It is affordable considering the wind and hurricane rider.


Date: February 09, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
Statefarm Insurance company has been a perfectly fine insurance group to hire on. Luckily we have not needed to do too much business, but their customer service has been very polite and helpful.

Date: December 08, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I feel that they are over attentive to me and are constantly bugging me with making sure that my service is fitting my needs. In reality I would reach out if I had issues.

Date: September 03, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
The other companies were confusing to me and I did not know a lot about them. I was not a fan of them at all.

Date: August 08, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I like the app because it is very simple to navigate and there is a lot of info on there I can use for myself.

Date: August 03, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
The service here is very caring and they do a lot to make sure that we get what we need., It is nice to be a part of.

Date: August 02, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
The communication is open and honest. I like them a lot and I think that there are few companies like this.

Date: July 27, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
I am covered in every single area that I need. I do not have everything, but I have the essential things I need.


Nationwide Home Insurance Reviews

Date: August 10, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I am indifferent to this because my husband will pay for the home insurance so i have never had an issue with the price or the deductible.

Date: November 27, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
I do not really know how they compare. I have only had a couple of homes, and never had to file a claim or anything.


Date: October 02, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
Our home (which is approximately 3000 square feet) is covered, along with any vehicles in our garage. My wedding rings and any other structures on our property are also covered.


Date: September 29, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
The website for our previous company was difficult to find policy documents to download (it was not very well organized).

Date: August 27, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Customer Service
The customer service has been fantastic. We had an issue when our mortgage was sold to a different company. The customer service representative was very helpful in resolving the issue to ensure the payment was applied to the correct account.

Date: November 19, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
I am satisfied with the website because it is very easy to navigate. It is easy to download and print documents related to our policy.

Date: November 19, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
The internal communication seems to be working very well. We have not had any issues and do not have any complaints about the company.

Foremost Insurance Home Insurance Reviews

Date: February 15, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
To my knowledge Foremost offers covers housing that is not usually insured by other companies such as mobile home insurance.


Date: October 05, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I really like the company because is simple and secure, I'm sure that I can put my confiance in this web site.

Date: September 12, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
100% Cellular Monitoring, anything bad, really good. Crash and Smash Protection Mobile App Access Fire, Environmental & Life Safety Monitoring


Date: September 09, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
I think that the communication is another good point, I'm really satisfied with this, I love it. The communication can't be better.

Date: August 31, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
Others look good too, but Frontpoint is the best, because is simple and secure, so great. The others isn't so good.

Date: November 19, 2017    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
I love this company, I don't have any bad comment about this, well... maybe it's a little expensive, but really worth it.

Travelers Home Insurance Reviews

Date: October 04, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
Its very easy to get a rep on the phone, they are very knowledgeable and were able to answer all of my questions and deal with my claims quickly

Date: October 04, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
They got right back to me on estimates and on my claims so I wasn't ever kept waiting or unsure what was happening

Date: September 12, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
The website is very simple and easy to navigate, they also make it very simple to find their support line to talk to someone which is what I normally use

Date: December 28, 2017    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
Covers acts of god such as flooding, tornado, fallen trees, pipes bursting etc. Also covers outlying structures on the property as well as tree removal for unsafe trees


Date: November 19, 2017    Age: Above 60    Gender: Male    Marital Status: Married

Premium
They were all about the same in the area honestly, my parents use travelers so I decided to as well.

Auto Owners Insurance Home Insurance Reviews

Date: September 20, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
the house is covered. the property inside is covered. I am covered for rent if I can't use it while being repaired. I am covered if someone gets injured on my property.


Date: September 18, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
I shop around every few years. this policy for home and auto was the best deal 2 years ago. but still is a lot than insurance was a few years ago. all state and farmers were more.

Date: September 16, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
I like that I can pay my bill online. I can make claims online. I don't use it much since I have not had the need for it.

Date: July 30, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Communication
my broker looks into different policies for me ever so often to see if I can get a better deal. I can contact him and let him deal with the company for claims when needed.

Date: July 25, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I go through an independent broker for my insurance. I deal with him. I have never actually talked to auto owners insurance. I am happy with my broker.

Meemic Insurance Home Insurance Reviews

Date: September 29, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Website/App
I like your services and efficiency when it comes to solving the needs of your clients

Date: September 18, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I like his services and coverage, his attention and above all his benefits

Date: August 24, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Communication
The communication from my insurance company is very flexible and direct with those in charge of it

Date: August 06, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Policy Offerings
a lot of coverage for damage and theft of the house, especially storm damage


Date: January 05, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
There are many insurance companies in the country, especially in my city, but this is the one that most suits my needs.

Allstate Home Insurance Reviews

Date: November 22, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I have been very happy with my premium and deductible. It is lower than most other brands that I have researched. I have not discovered another brand that I would be more satisfied with in this area.

Date: October 19, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
Protection by fire is covered, protection for damage from windstorms, lightning, and hail as well. Some things covered also include personal belongings damaged by the reason listed previously.


Frankenmuth Insurance Home Insurance Reviews

Date: July 15, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
One of the features of our home insurance company that we love is that they offer add on features. We added on a Sump Pump rider that covers us for a certain amount if our Sump Pump is faulty.


Michigan Basic Property Insurance Home Insurance Reviews

Date: January 01, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I like Michigan Basic Property Insurance customer service.They are very friendly over the phone and they get back with you right away if you leave them a message.

Universal Property & Casualty Insurance Company Home Insurance Reviews

Date: May 29, 2019    Age: 30 to 39    Gender: Married    Marital Status: Male

Premium
The deductibles are very reasonable. Compared to other companies that we got quotes from they were the best compared to the coverages offered.

Amica Mutual Insurance Home Insurance Reviews

Date: December 21, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
Fortunately, I have not had to file a claim or had a reason to contact customer service. I do remember when I got a quote and signed up with Amica, I was completely satisfied with all of the customer service representatives with whom I interacted.

Farmer's Insurance Home Insurance Reviews

Date: December 28, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
we are satisfied with the premium and deductible. Again it is higher than where we moved from but shopped around and found that they were on the cheaper side of all other companies.

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