Trenton, MI Home Insurance Quotes!

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We provide competitive homeowners insurance rates for your home located in Trenton, MI. Our quoting process makes it simple for homeowners to find great coverage by comparing multiple rate options against 12 major home insurance carriers that are competing for Trenton home insurance business. The majority of our carriers are rated highly by A.M. Best so you can trust our process and the benefits of working with a specialized homeowners insurance agent.

Getting Trenton, MI homeowners insurance quotes is very simple and only takes a few minutes. You can start the online quoting process by entering your zip code of the property you would like to insure. Once you submit an online quotes request our licensed agent will begin working on your quote right away. Our agents have the ability to compare up to 12 coverage options but it does take a few minutes to generate all of the quotes and compare which one is best for you. Once our agent has finished comparing your premiums, they will provide the most affordable and best homeowners insurance option for your home in Trenton. Start your home insurance quote today!

Trenton, MI Housing Data

The city of Trenton in Michigan is roughly around 18,853 residents in population size with 7988 occupied homes within the city of Trenton. The average family household in Trenton is 5159.

DemographicValues
Population18,853
Total Occupied Households7988
Family Households (families)5159
Average Owner Occupied Household Size2.40
Average Family Size2.95
Total Housing Units8539

Homeowners Insurance Rates in Trenton

Let's talk homeowners insurance for Trenton residents that are now finding more hassle free ways to shop and compare rates easily online with GetHomeInsuranceQuotes.com. Michigan may not be considered the cheapest state in the country to buy home insurance, it does rank lower than average at a national rank of 36. Residents of Trenton, MI are currently paying $719 (per year) for homeowners insurance coverage on average, where the cost of home insurance in Trenton will range from the cheaper side of $469 a year to more expensive home insurance premiums in the $1,019 range per year. These average home insurance rates reflect the annual premium of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Average rates do not include wind and hail coverage, hurricane insurance, earthquake or flood insurance. Let us help you shop the best rates and coverage options for your home.

Finding the best home insurance rates online is easy with GetHomeInsuranceQuotes.com. Please allow our service to provide savings of up to 40% for you and your family. First, enter your zip code to start shopping local Trenton, MI home insurance rates. Once you submit your online quotes request, we can compare the right coverage and premium option that best fits the coverage you need at the right price. We provide a free consultation to allow you to review the policies and ask questions to help alter the coverages and rates. Our process is free and only takes a few minutes of your time. Thousands of Trenton homeowners every month trust our home insurance shopping service. Try it today and save more on your home insurance premium!

Compare Homeowners Insurance Rates in Trenton, MI!

Enter your Zip Code:    

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

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

Average Rates Nearby Trenton

Are you looking for homeowners insurance in a city near Trenton? 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 Trenton, MI

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

48183,     

Trenton, MI Home Insurance Average Premiums

Local Trenton, MI home insurance quotes comparison

$469 /yr.

Shows Trenton's lowest average rates with discounts applied.

For the city of Trenton, 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)		$469 /yr.
Average Coverage:$719 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1019 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Trenton is around $719 per year.

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

  • • Homeowners in Trenton pay an average cost per month around $60.00 for insurance coverage.

Trenton, MI Coastal Wind, Hail & Flood Information

Trenton 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 Trenton is know for it's beautiful beaches and waterways. Because Wayne County (FIPS: 26163) 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 Trenton, MI.

Trenton, MI - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $216,735 $200,868
February $217,198 $203,418
March $217,938 $207,155
April $218,779 $210,606

Homeowners insurance will help cover the cost to repair or replace your Trenton 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 Trenton
  • 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 Trenton, MI homeowners insurance rates all in one place!

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

Saving Money Tips on Trenton Home Insurance

A great way to save money on Trenton 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 Trenton 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
588 ft. This is the average home elevation in Trenton, 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 Trenton, 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 Trenton, 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 Wayne County.

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 […]

Trenton, MI Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Trenton 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 Trenton, MI?

- The average square footage in Trenton is around 1,198 Sq. Ft. which would cost you around $158,100 to replace the home if you base the home on the price to build per square foot of $132.

Minimum Replacement Cost Total: $158,100

Location: Trenton, Michigan (Wayne County)

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

Average Square Footage in Trenton: 1,198 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$132$158,100
Some Additional Upgrades$165$197,625
Major Home Updates or Advancements$198$237,150

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