Compare up to 12 quotes for your home in Saint Clair County, MI! It's easy and only takes a minute!
Saint Clair County, MI Homeowners Insurance Quotes
We can help you shop and compare the best home insurance rates for your home in Saint Clair County, MI. Our easy to use quoting application helps you review which carriers are most competitive in your area and which coverage option is best for your home, family and financial goals. Let us help you discover more affordable rates in Saint Clair County.
When reviewing Michigan home insurance policies, Saint Clair County residents are finding great ways to save time and money by finding more affordable rates when they shop online. Michigan may not be considered the cheapest state in the country to purchase home insurance, but it does rank lower than average at a national rank of 36. Homeowners within Saint Clair County are paying around $1002 for an annual home insurance policy, where the majority of the U.S. population pays around $1,249. The average home insurance rates we just mentioned reflect the cost of a standard (HO-3) homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop and compare competitive rate quotes today! Start a Saint Clair County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.
For all Saint Clair County, MI residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.
- Algonac, MI Home Insurance Quotes
- Allenton, MI Home Insurance Quotes
- Avoca, MI Home Insurance Quotes
- Capac, MI Home Insurance Quotes
- Casco, MI Home Insurance Quotes
- Columbus, MI Home Insurance Quotes
- East China, MI Home Insurance Quotes
- Emmett, MI Home Insurance Quotes
- Fair Haven, MI Home Insurance Quotes
- Fort Gratiot, MI Home Insurance Quotes
- Goodells, MI Home Insurance Quotes
- Harsens Island, MI Home Insurance Quotes
- Jeddo, MI Home Insurance Quotes
- Marine City, MI Home Insurance Quotes
- Marysville, MI Home Insurance Quotes
- Memphis, MI Home Insurance Quotes
- North Street, MI Home Insurance Quotes
- Port Huron, MI Home Insurance Quotes
- Saint Clair, MI Home Insurance Quotes
- Smiths Creek, MI Home Insurance Quotes
- Yale, MI Home Insurance Quotes
Are you looking for a homeowners insurance quote in Saint Clair County? Simply enter your zip code to get your Michigan homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.
Saint Clair County, MI Housing Demographics
With 163,040 residents living within the Saint Clair County area there are over 71,822 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 44,238 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Saint Clair County.
Demographic | Values |
---|---|
Total Occupied Households | 63,841 |
Family Households (families) | 44,238 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 71,822 |
Saint Clair County, MI Home Insurance Average Premiums
For the state of Michigan, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 36 in the nation for highest premiums in the U.S.
Average Rating | Annual Premium |
---|---|
Minimum Range: | $715 /yr. |
Current Average Cost: | $833 /yr. |
Maximum Range: | $1002 /yr. |
Michigan Homeowners Insurance News & Information
-
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 […]
-
Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
-
The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]
-
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
-
North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024
North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]
Discounts For Homeowners in Saint Clair County
As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Michigan homeowners insurance.
- Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Saint Clair County, this discount can save you up to 20% on your home insurance premium.
- Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Saint Clair County that do combine their home and auto can save over $500 with this discount.
- Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Saint Clair County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
- Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
- Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.
Saint Clair County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 71822 |
Occupied Housing Units | 63841 |
Vacant Housing Units | 7981 |
Vacant Housing Units for Rent | 1913 |
Vacant Housing Units Rented Not Occupied | 70 |
Vacant Housing Units For Sale | 1196 |
Vacant Housing Units Sold Not Occupied | 335 |
Vacant Housing Units For Seasonal Occasional Use | 2509 |
Vacant Housing Units All Other Vacants | 1958 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 12 |
Housing Tenure Occupied Units | 63841 |
Housing Tenure Occupied Units Owner Occupied | 49356 |
Housing Tenure Occupied Units Owner Occupied Population | 127385 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 14485 |
Housing Tenure Occupied Units Renter Occupied Population | 33656 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |