How Can I Make My Dearborn, MI Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Dearborn, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Dearborn, MI Home Insurance Coverage Levels | Back to Top
| Dearborn, 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 | |
| W Elm St, Anthony St, Elmwood Ct, Cromwell St, Roslyn St, Michels St, Lindenwood Dr, Alber St, Newton St, Colson St | $231,500 | $190,000 | $200,000-$250,000 | $234,500 | $190,000 | $175,000-$200,000 |
| Alexandrine St, Lapeer St, Wildwood St, Henson Ave, Whitlock Ave, Gould Ave, Marvin Ave, Cass St, Lanson Ct, Gulley Pl | $159,000 | $140,000 | $125,000-$150,000 | $111,500 | $90,000 | $100,000-$125,000 |
| Barrie St, Kean St, Oxford St, Raymond Ct, Crestview St, Liberty Ct, Boone Ln, Lapham St, Firestone St, N Franklin St | $95,000 | $90,000 | $75,000-$100,000 | $102,500 | $90,000 | $100,000-$125,000 |
| Glover St, N Lafayette St, Republic Dr, Thomas Pl, Audette St, Jerome St, Haggerty Ave, Executive Plaza Dr, Heather Dr, Woodbridge Ct | $178,000 | $150,000 | $175,000-$200,000 | $83,000 | $70,000 | $75,000-$100,000 |
| Market Dr, Lodge Ln, Lanson, Henson Ave, Roemer St, Roulo St, W Elm St, Yinger Ave, Middlepointe St, Cobb St | $221,500 | $180,000 | $250,000-$300,000 | $119,500 | $100,000 | $100,000-$125,000 |
Estimate your Savings with Home Insurance Discounts in Dearborn, MI | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $618 |
| Superior Protection Discount | -$74 | $662 |
| Fire & Security Discount | -$74 | $662 |
| Hail Resistant Roof Discount | -$15 | $721 |
| Newly Constructed Home Discount | -$199 | $537 |
Choose your Dearborn, 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 | $2,513 |
| Hail Damage | $4,618 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,553 |
Identify Top Home Insurance Agents near Dearborn, MI | Back to Top
| Home Insurance Company Dearborn, MI | Homeowners Insurance Agency Dearborn, MI | Address | Popularity Score | Distance from Dearborn (miles) |
|---|---|---|---|---|
| State Farm | Jamie Puente | 6241 Grand River Rd Ste 200, Brighton, MI, 48114-7709 | 36.2 | |
| State Farm | Mike Marihugh | 31707 Plymouth Rd, Livonia, MI, 48150-1905 | 8.4 | |
| State Farm | Bobby Branch | 27506 Ford Rd, Garden City, MI, 48135-2921 | 5.3 | |
| State Farm | Clay Nissan | 1645 S Wayne Rd, Westland, MI, 48186-5621 | 9.1 | |
| Liberty Mutual Independent | Brown & Brown Of Michigan | 1190 Torrey Rd, Fenton, MI, 48430 | 43.4 | |
| State Farm | Chuck Spinale | 404 W Grand River Ave, Brighton, MI, 48116-1105 | 32.9 | |
| State Farm | Rick Jackson | 11225 S Saginaw St Ste 5, Grand Blanc, MI, 48439-1285 | 47.7 | |
| State Farm | Kawana Smith | 26130 W 6 Mile Rd, Redford, MI, 48240-2217 | 8.3 | |
| State Farm | Brian Manor | 24409 Eureka Rd, Taylor, MI, 48180-5165 | 8.6 | |
| State Farm | Leah Murrell | 22332 Garrison St, Dearborn, MI, 48124-2228 | 2.1 |
Compare Rates for Dearborn, 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 | $550 | $1,070 | $520 |
| Wayne County, MI | $92,400 | $687 | $500 | $980 | $480 |
| Dearborn, MI | $124,200 | $735 | $530 | $1,040 | $510 |
| Allen Park, MI | $108,900 | $684 | $490 | $940 | $450 |
| Southfield, MI | $124,300 | $735 | $520 | $1,010 | $490 |
| Huron charter, MI | $165,600 | $684 | $460 | $940 | $480 |
| Grosse Pointe Farms, MI | $298,400 | $869 | $630 | $1,240 | $610 |
| Grosse Pointe Woods, MI | $205,000 | $727 | $500 | $1,040 | $540 |
| Wolverine Lake, MI | $174,100 | $825 | $590 | $1,160 | $570 |
| Barton Hills, MI | $881,300 | $2,908 | $2,010 | $4,040 | $2,030 |
| Oxford charter, MI | $214,800 | $739 | $540 | $1,050 | $510 |
| Berlin, MI | $174,900 | $826 | $560 | $1,150 | $590 |
| Curtice, OH | $160,500 | $764 | $510 | $1,060 | $550 |
Research Home Insurance Companies Reviews in Dearborn, MI Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: January 07, 2020 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
They are comparable to other companies and at a much more affordable rate. My policy covers all the standard things others provide.
Date: July 03, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
I believe that with the change in society most companies are the same. Personal service is a thing of the past.
Foremost Insurance Home Insurance Reviews
Date: October 23, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
This company is known throughout the industry as providing the best coverage for mobile homes. It has local agents that can help me when I need it. When a claim is made they quickly respond and process the claim.
Date: January 28, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
I have been lucky enough to not have to use this insurance. The premiums do go up every year for no reason at least 40 dollars . If i could find another company i would because this company has changed hands. I do have a basic policy and of course wind damage.
USAA Home Insurance Reviews
Date: October 15, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
My company is very understanding and makes you feel important. They are all so knowledgable. The best thing is that they have help guides for you when it comes time to move to another duty station.
MetLife Home Insurance Reviews
Date: May 27, 2019 Age: Above 60 Gender: Married Marital Status: Female
Premium
We feel their rates are totally in a reasonable range. We have shopped around and looked at other offers that come along, but have chosen to stay with our current coverage.
Wolverine Mutual Insurance Home Insurance Reviews
Date: January 20, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
The main reason I am with Wawanesa is because of the premiums which are very good for good risk customers. The deductible is pretty much industry standards/
Nationwide Home Insurance Reviews
Date: November 25, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Policy Offerings
Nationwide seems to offer similar products to other insurance companies. I have found everything I need in terms of insuring my home.
Travelers Home Insurance Reviews
Date: October 08, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
The premium seems to be on par with other major companies in the neighborhood. Same goes for the deductible. A bit pricey but no big complaints.
State Farm Home Insurance Reviews
Date: August 14, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I would rate a 3 because I have heard friends discuss their premiums and it always seems to be a bit lower than ours. However, I would likely not consider changing because of my loyalty to State Farm.
Auto Owners Insurance Home Insurance Reviews
Date: February 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
I am satisfied with our company. We have not had any issues. I would be willing to consider looking at other companies if they were able to save us a good amount of money.