Saint Clair Shores, MI Home Insurance Quotes!

Did you know Saint Clair Shores, MI homeowners are now finding easier ways to shop and compare home insurance rates online as low as $522 a year. At GetHomeInsuranceQuotes.com, we provide superior service when it comes to handling your insurance needs. Our quoting application process has been trusted by thousands of homeowners like you who want a quick way to compare rates without any hassle. Our licensed homeowners insurance professionals are nearby and here to help you compare multiple options and our convenient service allows us to answer the questions that you need to get the right coverage at the most affordable price. We provide the best rates from up to 12 carriers that are all highly rated by A.M Best and we shop the policy with you so you know which Saint Clair Shores insurance policy is best for you. Start your quote today by entering your zip code!

Saint Clair Shores, MI Housing Demographics

The city of Saint Clair Shores in Michigan is roughly around 59,715 residents in population size with 26585 occupied homes within the city of Saint Clair Shores. The average family household in Saint Clair Shores is 15932.

Demographic	Values
Population	59,715
Total Occupied Households	26585
Family Households (families)	15932
Average Owner Occupied Household Size	2.27
Average Family Size	2.90
Total Housing Units	28467

Saint Clair Shores, MI Average Rates

When our Saint Clair Shores agents discuss insurance premiums and packages with new customers, we work with them to clearly explain the additional ways for you to save time and money by discovering lower rates that are available to you through different carriers, coverage options and discounts. We know homeowners insurance is not always about price, but in Saint Clair Shores, homeowners are paying around $522 to $1,072 per year. Saving on your home insurance is key to discounts and coverage options, average rates are around $64 per month which is really cheap for great coverage. You can expect to pay around $772 per year depending on how much replacement cost coverage you need and if you can be approved for any discounts.

The average rates mentioned above for a standard homeowners insurance policy within the state of Michigan includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. We always explain the policy details to you and help you understand that if your home is in need of additional coverage because the area in which your home is located requires flood or earthquake insurance then our agents will help you setup additional coverages. This is one of the many policy details our agents will recognize when you request an online Saint Clair Shores, MI homeowners insurance quote from us.

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Average Rates Nearby Saint Clair Shores

Are you looking for homeowners insurance in a city near Saint Clair Shores? 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 Saint Clair Shores, MI

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

48080, 48081, 48082,

Saint Clair Shores, MI Home Insurance Average Premiums

Local Saint Clair Shores, MI home insurance quotes comparison

$522 /yr.

Shows Saint Clair Shores's lowest average rates with discounts applied.

For the city of Saint Clair Shores, 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)	$522 /yr.
Average Coverage:	$772 /yr.
2600 sq. ft. or higher (all discounts applied)	$1072 /yr.

What is the average home insurance cost for a home in Saint Clair Shores, MI?

• The average homeowners insurance premium paid annually for a home in Saint Clair Shores is around $772 per year.

What does it cost on average per month for home insurance in Saint Clair Shores, MI?

• Homeowners in Saint Clair Shores pay an average cost per month around $64.00 for insurance coverage.

Saint Clair Shores, MI Coastal Wind, Hail & Flood Information

Saint Clair Shores 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 Saint Clair Shores is know for it's beautiful beaches and waterways. Because Macomb County (FIPS: 26099) 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 Saint Clair Shores, MI.

Saint Clair Shores, MI - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$202,952	$190,962
February	$204,008	$193,534
March	$205,327	$197,684
April	$206,320	$201,812

Homeowners insurance will help cover the cost to repair or replace your Saint Clair Shores 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 Saint Clair Shores
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.

Get up to 12 competitive Saint Clair Shores, MI homeowners insurance rates all in one place!

Saving Money Tips on Saint Clair Shores Home Insurance

A great way to save money on Saint Clair Shores 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 Saint Clair Shores 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
583 ft.	This is the average home elevation in Saint Clair Shores, 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 Saint Clair Shores, 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.

Elevation

Details

Homeowners Tips

583 ft.

This is the average home elevation in Saint Clair Shores, 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 Saint Clair Shores, 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 Saint Clair Shores, 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 Macomb County.

Michigan Homeowners Insurance News & Information

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Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
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Saint Clair Shores, MI Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Saint Clair Shores 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 Saint Clair Shores, MI?

- The average square footage in Saint Clair Shores is around 1,029 Sq. Ft. which would cost you around $135,819 to replace the home if you base the home on the price to build per square foot of $132.

Minimum Replacement Cost Total: $135,819

Location: Saint Clair Shores, Michigan (Macomb County)

Average Building Cost Per Square Foot in Saint Clair Shores: $132 (low end)

Average Square Footage in Saint Clair Shores: 1,029 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$132	$135,819
Some Additional Upgrades	$165	$169,773
Major Home Updates or Advancements	$198	$203,728

Calculate Your Saint Clair Shores, MI Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($132) in Saint Clair Shores, 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.