Average homeowners insurance cost in Warren, MI

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The average cost of homeowners insurance in Warren is $2,857 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $275 more than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Warren depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Warren, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Warren.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Warren.

Key takeaways

In Warren, homeowners insurance costs $2,857 annually.
Auto-Owners offers the most affordable homeowners insurance in Warren with an average annual premium of $635.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $730 higher.

Average homeowners insurance cost in Warren per month

According to Insure.com’s rate analysis, residents of Warren pay an average of $238 per month for homeowners insurance. This is $38 more than the state average of $200 and $23 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Warren can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Warren

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,127 per year in Warren, MI. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Warren

According to a rate analysis by Insure.com, homeowners in Warren pay an average of $2,857 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $730 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Warren by company

Among the carriers analyzed, Auto-Owners is the most affordable homeowners insurance company in Warren. It’s average annual rate for homeowners in Warren is $635.

Automobile Club MI (AAA), ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $2,081.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Warren and compiled a list of the most affordable home insurance companies.

Below are details of Warren home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Auto-Owners	$635
Automobile Club MI (AAA)	$1,747
Frankenmuth Insurance	$2,223
The Hanover	$3,410
Farmers	$3,600
Michigan Farm Bureau	$6,973
State Farm	$2,081
USAA*	$2,708

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Warren for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.