How Can I Make My Grand Rapids, MI Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Grand Rapids, 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 Grand Rapids, MI Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $47,000 $40,000 $50,000-$75,000
2 Bedroom $83,000 $70,000 $75,000-$100,000
3 Bedroom $132,500 $110,000 $125,000-$150,000
4 Bedroom $198,000 $160,000 $200,000-$250,000
5 Bedroom $203,500 $190,000 $200,000-$250,000

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

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$124 $608
Superior Protection Discount -$66 $666
Fire & Security Discount -$81 $652
Hail Resistant Roof Discount -$15 $718
Newly Constructed Home Discount -$183 $549

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

Claim Type Average Claim Cost
General Claims
Water Damage $5,733
Physical Damage $2,488
Hail Damage $4,476
Wind Damage $6,305
Expensive Claims
Fire $43,336
Smoke $16,386

Identify Top Home Insurance Agents near Grand Rapids, MI | Back to Top

Home Insurance Company Grand Rapids, MI Homeowners Insurance Agency Grand Rapids, MI Address Popularity Score Distance from Grand Rapids (miles)
Farmers Maria Erazo 2435 Eastern Ave Se, Grand Rapids, MI, 49507
2.9
State Farm Luke Bagnall 1277 36th St Sw, Wyoming, MI, 49509-3469
4.8
State Farm Bill Cole 2143 Wealthy St Se, East Grand Ra, MI, 49506-3033
2.1
Farmers Scott Bates 3140 Division Ave Sw, Grandville, MI, 49418
6.8
State Farm Jean Verseput 5280 Northland Dr Ne Ofc A, Grand Rapids, MI, 49525-1067
7.7
Allstate Beltline Insurance Agency Llc 2850 E Beltline Ave Ne, Grand Rapids, MI, 49525
5.0
Allstate Jim Mcknight 8469 Byron Center Ave Sw, Byron Center, MI, 49315
10.9
Allstate Corey Gouin 7493 Cottonwood Dr, Jenison, MI, 49428
7.9
State Farm Bruce Hungerford 5252 Clyde Park Ave Sw Ste B, Wyoming, MI, 49509-9788
6.5
State Farm Scott Southland 3659 Alpine Ave Nw Ste 101, Comstock Park, MI, 49321-9797
5.0

Compare Rates for Grand Rapids, 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 $570 $1,080 $510
Kent County, MI $153,500 $774 $530 $1,110 $580
Grand Rapids, MI $121,800 $732 $490 $1,050 $560
Leighton, MI $178,700 $831 $570 $1,150 $580
Grattan, MI $228,500 $900 $600 $1,270 $670
Chester, MI $187,100 $842 $610 $1,200 $590
Oakfield, MI $165,400 $684 $500 $950 $450
Holland charter, MI $147,800 $664 $470 $910 $440
Carlton, MI $158,300 $805 $560 $1,110 $550
Park, MI $215,900 $741 $500 $1,020 $520
Prairieville, MI $201,500 $861 $590 $1,210 $620
Newaygo County, MI $104,500 $706 $490 $970 $480
Carmel, MI $159,800 $807 $540 $1,150 $610

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

Share a review on your home insurance company


Foremost Insurance Home Insurance Reviews

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

Customer Service
While I have not had to place a claim yet, every time I have called them with a question they have always managed to get me the answers to my questions.

Date: December 25, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
I decided to pay my bill over the phone and the number that was on the bill was not the correct number. This insurance was through a realtor group and they did take my payment and it was paid but there was confusion over the telephone number on the bill. That is a basic and they should get it right .

Date: September 11, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Website/App
It is simple to use but seems to lack some features. It is not very interactive and the style is a bit outdated. It seems erroneous to click multiple times to get to the login screen- I have to specify what state I am a resident of before being taken to the login screen.

Date: August 30, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
They send periodic emails to keep me updated on the status of my policy and my coverage. But they also aren't too intrusive. They sent an email about Hurricane Irma when it affected my area but they do not spam me.

Date: August 07, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
Structure of the dwelling (roof, walls, etc) items within the home such as TVs, computers, other electronics. Loss of use coverage as well as medical payments for anyone who may have been hurt while on my property.


Date: July 24, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
I compared companies when I purchased my house but FedNat offered more for a reasonable premium. There was another company that was slightly less expensive but the customer service was not as good as the edit was. I figured better service in the time of an emergency was worth the extra $100 a year.

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

Customer Service
They are easy to get ahold of. The people are understanding and polite. I have not had any issues speaking with someone regarding my policy and the questions I have involving it.

Liberty Mutual Home Insurance Reviews

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

Premium
The premium is well within my budget, plus I get a discount because of bundling auto insurance. It isn't so high where I would consider researching alternative home insurance policies.

Date: September 23, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Website/App
The website does not clearly describe what discounts are available or how to get them. Additionally, while the total policy price is listed, finding specific prices for each line item is difficult as it is not listed. You have to re-quote your entire policy just to explore making changes to the policy.

Date: September 19, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I've shopped my policy around and all of them are in the same general area. The only difference seems to be in the coverage amount offered but not the general price.

Date: August 05, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Communication
They are very fast to send documentation when needed. The communication was also 100% accurate and I did not have to go back once to have corrections made.

Date: January 01, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
The company is very responsive when calling or emailing questions. The representatives that I have spoken to on the phone are very friendly and courteous. They also are very quick to provide documentation to you when needed.

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

Policy Offerings
In addition to the above i also have coverage for Sump pump in case of overflow or water damage. The policy does not cover floods.


Allstate Home Insurance Reviews

Date: October 30, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
The website is very customer friendly and easy to use. I am more than satisfied.

Date: October 01, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Communication
I don't like that my agent isn't always very responsive. I have had to ask him for assistance with the same minor issue numerous times before getting it resolved. he is the only contact person in the agency I deal with

Date: September 13, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I feel like my agent has poor customer service skills. I haven't had to ever contact anyone within the company for customer serve beside my agent

Date: September 12, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I feel as if the premiums are much higher with Allstate compared to other companies. I have never had homeowners claim an still pay way too much

Date: September 11, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Website/App
I am unable to access my policy on the website or app. I have expressed this issue to my agent and nothing is resolved. I cannot see any information.

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

Policy Offerings
I have full coverage in my homeowner's policy. I also have all of our personal belongings covered. in addition, I have my wedding band covered


Auto Owners Insurance Home Insurance Reviews

Date: October 14, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I have found customer service for home insurance companies to be very helpful guiding me to the choice I need to make based on information I give them.

Date: July 23, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
They offer everything I have needed in home insurance, with personal assistance a high priority. If there's anything else I need, I don't know about it.


Date: February 11, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I have had just a few dealings with Auto Owners for purposes of home owners Insurance. All have been very positive. They were very friendly, knowledgeable and professional.

State Farm Home Insurance Reviews

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

Customer Service
I have only had to deal with State Farm one time, and that was when I had hail damage to my house. They worked with me and a contractor promptly, and easily, to get my roof/siding replaced.

Date: April 02, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
It is an excellent service and had a very good experience the attention is very good and accurate for the needs

Frankenmuth Insurance Home Insurance Reviews

Date: December 09, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
I don't feel that I pay more for my premium compared to other companies for the coverage and expertise that I am receiving.

GEICO Home Insurance Reviews

Date: November 30, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
Geico has overall been pretty good to me. They have answered all of my needs when I call them with questions. I once had a question about how a protective wrap was covered on a damaged car and they answered it immediately without any problems. I would give them a 5 as a rating.

Nationwide Home Insurance Reviews

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