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This startling study about Oakland County, Michigan Home Insurance Rates will give you a different perspective & keep your homeowners insurance really low.

Replacement Value of your home in Oakland County, MI is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Oakland County, MI & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Oakland County 3 Beds, 2 Baths, 1450 sqft $162,000 $42
Hadley 2 Beds, 1 Bath, 1,320 sqft $164,000 $48
Woodhaven 3 Beds, 2 Baths, 1,210 sqft $118,000 $49
Southfield 2 Beds, 1 Bath, 970 sqft $93,000 $34
Tuscola 3 Beds, 2 Baths, 1,560 sqft $130,000 $88
Flint charter 4 Beds, 1 Bath, 2,720 sqft $302,000 $66
Melvindale 4 Beds, 1 Bath, 1,940 sqft $178,000 $64
Richfield 2 Beds, 1 Bath, 1,180 sqft $154,000 $31
Capac 2 Beds, 1 Bath, 1,150 sqft $111,000 $30
Antrim 3 Beds, 2 Baths, 1,940 sqft $204,000 $64
Tyrone 2 Beds, 1 Bath, 1,550 sqft $152,000 $72
Ecorse 4 Beds, 1 Bath, 1,660 sqft $120,000 $56
Sharon 3 Beds, 2 Baths, 1,790 sqft $202,000 $64
Brockway 3 Beds, 2 Baths, 1,240 sqft $88,000 $41
Oxford 3 Beds, 2 Baths, 1,250 sqft $118,000 $53
Bridgewater 3 Beds, 1 Bath, 1,250 sqft $126,000 $59
Walled Lake 2 Beds, 1 Bath, 1,240 sqft $77,000 $35
Milford 3 Beds, 1 Bath, 2,370 sqft $337,000 $128
Fostoria 4 Beds, 1 Bath, 2,950 sqft $225,000 $92
Algonac 3 Beds, 1 Bath, 2,350 sqft $221,000 $90
Burton 3 Beds, 1 Bath, 1,790 sqft $127,000 $39

If your Oakland County, MI home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Oakland County:

Claim Typical Claim Amount
FREEZING WATER (INCLUDES BURSTING PIPES) $12,000
THEFT SCHEDULED PROPERTY $24,000
FIRE $35,000

Your Oakland County, MI insurance agent (see examples below) can help with your claims.

  • Nationwide: Raymond Jahn Agency Inc, 39 oakdale blvd, Pleasant Ridge, MI, 48069-1033 (248) 547-8930
  • Liberty Mutual Independent: Korotkin Insurance Group, 26877 northwestern hwy ste 400, Southfield, MI, 48033 (248) 352-9124
  • Travelers: Marine Insurance Services Agency Inc, 525 atlantic street, Milford, MI, 48381 Phone: 734-266-0496
  • Farmers: Kimberly Ruggles, 3001 e highland rd, Highland, MI, 48356 (248) 714-8767
  • Liberty Mutual: Aaron Blakemore, 34405 w. 12 mile rd suite 130, Farmington Hills, MI, 48331 1-248-489-4291

Your Background Impacts Your Home Insurance Quotes

Here is a list of Oakland County, MI homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 500-549 Credit Score <$25,000 3 Pets, Non-Smoker $360
Part Time Job 750-799 Credit Score $25 to 50,000 More than 3 Pets at home, Non-Smoker $910
Freelancer 550-599 Credit Score >$150,000 2 Pets, Smoker $200