Ellsworth, MI Homeowners Insurance Rate Quotes!

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Do you know if you need an HO-2 or an HO-3 policy for your home in Ellsworth?

Most homeowners in Ellsworth are not sure which coverage type they need, all homeowners really want is lower premiums and most of all better coverage with a company they can trust if they ever need to file a home insurance claim. Well, at GetHomeInsuranceQuotes.com, we compare the most competitive carrier rates available which makes it easy for customers to find lower monthly premiums. The high quality customer service that we provide helps you understand all of your coverage options while helping you get the best policy for you and your family. Our online rating application is free and easy to use. Give us a call today or enter your zip code to compare rates online.

Ellsworth Home Insurance Rates

Do you know what the average homeowners insurance rate is for a home in Ellsworth?

One of the many questions we get from customers living in Ellsworth, MI has to do with comparing the best home insurance rates. Homeowners are interested in what the average rates are for a standard (HO-3) policy in Antrim County. Residence with homeownership in Ellsworth, MI currently pay $786 annually for a standard homeowners insurance policy on average, where the majority of the United States premiums are estimated to be around $1311. When we review and compare rates for you it is likely to expect a broader range of quoting and coverage options that are more affordable around $536 to more expensive prices around $1,086. Your rate may seem higher depending on the replacement cost coverage, your preferred deducitle plan and claims history. Discounts that can be applied will help you save more money by reducing your annual premium. For example, it's not uncommon with all discounts applied including a home/auto package that savings can be in the range of 40% or more. Let us help you discover more affordable home insurance rates today for your home in Ellsworth, MI. Shop online or give us a call now: 1-855-976-2656.

Compare Homeowners Insurance Rates in Ellsworth, MI!

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Get up to 12 competitive Ellsworth, MI homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Ellsworth, MI rates all in one place!

Average Rates Nearby Ellsworth

Are you looking for homeowners insurance in a city near Ellsworth? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Ellsworth, MI

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Ellsworth.


Ellsworth, MI Home Insurance Average Premiums

Local Ellsworth, MI home insurance quotes comparison

$536 /yr.

Shows Ellsworth's lowest average rates with discounts applied.

For the city of Ellsworth, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$536 /yr.
Average Coverage:$786 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1086 /yr.

What is the average home insurance cost for a home in Ellsworth, MI?

  • • The average homeowners insurance premium paid annually for a home in Ellsworth is around $786 per year.

What does it cost on average per month for home insurance in Ellsworth, MI?

  • • Homeowners in Ellsworth pay an average cost per month around $66.00 for insurance coverage.

Ellsworth, MI Coastal Wind, Hail & Flood Information

Ellsworth is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Ellsworth is know for it's beautiful beaches and waterways. Because Antrim County (FIPS: 26009) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Ellsworth, MI.

Ellsworth, MI - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $220,892 $208,959
February $225,458 $211,970
March $229,986 $215,115
April $230,536 $218,765

Homeowners insurance will help cover the cost to repair or replace your Ellsworth home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Ellsworth
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Ellsworth, MI homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Ellsworth, MI rates all in one place!

Saving Money Tips on Ellsworth Home Insurance

A great way to save money on Ellsworth homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Ellsworth area? Check out what homeowners are paying on average for Michigan homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
837 ft. This is the average home elevation in Ellsworth, MI

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Ellsworth, Michigan.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Ellsworth, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Antrim County.

Michigan Homeowners Insurance News & Information

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  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

Ellsworth, MI Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Ellsworth so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Ellsworth, MI?

- The average square footage in Ellsworth is around 1,048 Sq. Ft. which would cost you around $138,400 to replace the home if you base the home on the price to build per square foot of $132.

Minimum Replacement Cost Total: $138,400

Location: Ellsworth, Michigan (Antrim County)

Average Building Cost Per Square Foot in Ellsworth: $132 (low end)

Average Square Footage in Ellsworth: 1,048 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$132$138,400
Some Additional Upgrades$165$173,000
Major Home Updates or Advancements$198$207,600

The dwelling coverage is calculated by the average cost per square foot ($132) in Ellsworth, Michigan times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $412,500 (Media price to build of $165 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.