How Can I Make My Flint, MI Home Insurance Cheaper

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

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Select the Suitable Coverage Value for your Flint, MI Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $37,500 $30,000 $25,000-$50,000
2 Bedroom $80,000 $70,000 $75,000-$100,000
3 Bedroom $126,000 $120,000 $100,000-$125,000
4 Bedroom $169,000 $160,000 $150,000-$175,000
5 Bedroom $84,000 $80,000 $75,000-$100,000

Estimate your Savings with Home Insurance Discounts in Flint, MI | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$155 $708
Superior Protection Discount -$86 $777
Fire & Security Discount -$86 $777
Hail Resistant Roof Discount -$17 $846
Newly Constructed Home Discount -$198 $665

Choose your Flint, MI Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,914
Physical Damage $2,537
Hail Damage $4,571
Wind Damage $6,624
Expensive Claims
Fire $46,463
Smoke $16,386

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

Home Insurance Company Flint, MI Homeowners Insurance Agency Flint, MI Address Popularity Score Distance from Flint (miles)
Nationwide Sheila Hughes Agency Inc 32740 Grand River, Farmington, MI, 48336
42.1
Allstate Marty Gross 2753 S Milford Rd Ste C, Highland, MI, 48357
28.6
Allstate Marty Knollenberg 198 E Big Beaver Rd, Troy, MI, 48083
42.4
State Farm Nick Morang 7726 Auburn Rd, Utica, MI, 48317-5221
43.3
Allstate Connolly And Associates 66 N Williams Lake Rd, Waterford, MI, 48327
29.1
Allstate Cameron Young 1828 Greenfield Rd, Berkley, MI, 48072
44.5
Allstate Carolyn Tack-West 580 W 14 Mile Rd, Clawson, MI, 48017
43.5
State Farm Frank Sutika 9400 Middlebelt Rd, Livonia, MI, 48150-7002
49.3
Farmers Kenneth Wesa 42193 Ann Arbor Rd E, Plymouth, MI, 48170
47.5
Liberty Mutual Independent Ralph C Wilson Agency, Inc 26026 Telegraph Rd, Ste 100, Southfield, MI, 48033
42.9

Compare Rates for Flint, 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 $136,400 $775 $560 $1,070 $510
Genesee County, MI $96,500 $694 $470 $980 $510
Flint, MI $28,200 $863 $620 $1,200 $580
Lake Fenton, MI $188,500 $709 $510 $970 $460
Oregon, MI $144,500 $660 $460 $910 $450
Hartland, MI $236,700 $767 $510 $1,070 $560
Handy, MI $144,300 $660 $470 $930 $460
Almer, MI $89,700 $703 $510 $970 $460
Hamburg, MI $235,900 $766 $550 $1,100 $550
Essexville, MI $86,300 $697 $480 $990 $510
Novesta, MI $87,100 $699 $470 $960 $490
Emmett, MI $154,100 $799 $570 $1,110 $540
Superior charter, MI $172,700 $691 $480 $950 $470

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

Share a review on your home insurance company


Foremost Insurance Home Insurance Reviews

Date: April 07, 2019    Age: Above 60    Gender: Female    Marital Status: Unmarried

Premium
Foremost is the only option I have actually looked into so I have no comparison statistics. Since I have never had to make a claim I do not have any experience as to how their coverage.

Date: February 14, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
Foremost's customer service has been very responsive in regards to providing and setting up my insurance. They have also answered all of my questions promptly.

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

Website/App
I have never been on the website or mobile app for my insurance. I have just recently moved into the home and it already had the insurance on the house.

Date: September 28, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
The company does not have a mobile app and the website is not very extensive, it does not provide much information, instead it prompts you to call your insurance broker.

Date: September 24, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
Most everthings is covered. There is coverage for the garage, belongings and living expenses if you can't live in the home. Wind damage is covered.


Date: September 18, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
The premium rate for Frankenmuth Insurance is very comparable to other insurance companies.

Date: September 18, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I have just recently moved into the house but from a previous insurance I had I paid 99 dollars every three months and this insurance I have now is 72 dollars a month which I feel is expensive for an older home.

Date: September 11, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
This was a cheaper premium than my previous company and my insurance agent says they provide good service if something happens

Date: August 30, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Communication
I had never had to any interaction with my insurance company, as stated previously, they prompt you to call your insurance broker.

Date: August 24, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
It covers damage to the property up to $450,000, from structural damage due to severe weather or any other unintentional damage. It also covers theft on items inside the home up to $25,000.


Date: August 15, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
All I have done is paid the bill. The Insurance was already in the house when I moved in.

Date: August 15, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
My home insurance covers the dwelling, personal belongings, and injury. I also have flood insurance and not to sure on what else is covered.


Date: August 05, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
I have never spoken to a customer service because as previously stated the insurance was already in the house when I moved in.

Date: July 30, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
I have never had any communication with my insurance company. There have been no claims ever submitted

Date: May 05, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
I had never had to speak to the insurance customer service, as stated previously, they prompt you to call your insurance broker.

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

Website/App
There isn't one that allows you to look at your policy and what it covers

Date: November 18, 2017    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
I have never had to call them, so I have no comment on their customer service

State Farm Home Insurance Reviews

Date: August 21, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I'm not completely informed about my deductible but I know that it is decent and is a standard with any other product available.

Date: September 18, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Website/App
the website only gives general info. you still need to call to ask specific questions about your policy and your coverage.

Date: August 26, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
for my policy the structure is covered as well as the contents. i also have special coverage on my firearms and jewelry.


Date: July 27, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Premium
all of the insurance companies are the same. they cover the same things and the premiums are close to the same.

Date: January 15, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Communication
the last claim i had to file went smooth. they had someone out to talk to me the same day. i was satisfied with the service

Date: November 18, 2017    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
i think over all the customer service is pretty good. i have had the same contact for years. i dont have many claims. so i dont deal with them much

Meemic Insurance Home Insurance Reviews

Date: October 04, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Premium
Most policies we looked at were close to the same money. Our current policy covered flood damage in which most policies did not. We felt like the extra $40 per year for flood insurance was worth the price of the policy

Date: September 25, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
When you call you are waiting on hold for a minimum of 25 minutes. It seems like they are understaffed at their call center. It also feels like they want to discourage you from calling.

Date: September 03, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
The website can be tough to navigate. Because premiums are paid once per year I seem to always forget my password. In order to reset the password, you have to contact them and wait on hold for long periods of time.

Date: January 05, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Policy Offerings
Our insurance policy covers flood damage which is critical for where we live. Most policies don't offer flood coverage.


Date: November 18, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Communication
The only time we receive communication from them is in September when the policy is renewed for another year. The policy book is tough to follow and has to be read thoroughly for changes to the policy.

Progressive Home Insurance Reviews

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

Policy Offerings
Policy covers fire, flood and damage to almost 3 times what we paid for the house so we could completely rebuild.


Date: November 24, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I am neutral about my insurance company. They have done nothing good nor bad that sticks out about the home insurance company.

Allstate Home Insurance Reviews

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

Customer Service
My experience has been very positive and I have even barely had to deal with my home insurance company. I would give them a 5 in terms of their customer service.

Date: May 30, 2019    Age: 20 to 29    Gender: Married    Marital Status: Male

Premium
I think all state has the best deductible deals out there from what I searched there is no other company close.

Frankenmuth Insurance Home Insurance Reviews

Date: July 19, 2019    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Customer Service
Our home insurance company has great customer service. We typically ask our questions to our insurance broker, but he typically reaches out quickly with an answer.

Date: January 17, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
My homeowners customer service has been extremely good. I haven't had a claim or anything like that but whenever I need to make a change they are always very helpful and considerate.

Michigan Basic Property Insurance Home Insurance Reviews

Date: January 31, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
I have the fire damage coverage policy through their company and I have not been able to find a rate that low through any other company in my area.

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

Customer Service
I like Michigan Basic Property Insurance company's customer service because they are friendly, very inviting and they get back with you right away when you leave messages on their answering service.

Liberty Mutual Home Insurance Reviews

Date: October 13, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I am satisfied with the service provided by Liberty Mutual, I simply wish the premium was a bit lower. My home is newer thus I have not had a lot of claims with the company, so it has been fine so far.

MAPFRE Insurance Home Insurance Reviews

Date: November 01, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
I could not make comparisons between different insurance companies because this is the first contract

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