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Roscommon, MI Home Insurance Rates - What Drives It?

The variables explained here drive your Roscommon, MI Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Roscommon 2 Beds, 1 Bath, 1460 sqft $86,000 $37
Broomfield 2 Beds, 1 Bath, 1,160 sqft $101,000 $23
Rapid River 2 Beds, 1 Bath, 1,000 sqft $64,000 $27
Colfax 3 Beds, 1 Bath, 1,790 sqft $117,000 $67
Churchill 2 Beds, 1 Bath, 1,190 sqft $81,000 $35
Roscommon 2 Beds, 1 Bath, 1,160 sqft $90,000 $30
Markey 2 Beds, 1 Bath, 1,700 sqft $102,000 $27
Clearwater 2 Beds, 1 Bath, 1,210 sqft $75,000 $48
Lovells 2 Beds, 1 Bath, 1,610 sqft $90,000 $45
Gilmore 3 Beds, 2 Baths, 1,520 sqft $89,000 $31
Coldsprings 3 Beds, 2 Baths, 1,830 sqft $192,000 $56
Denton 2 Beds, 1 Bath, 1,270 sqft $79,000 $32
Goodar 3 Beds, 1 Bath, 2,060 sqft $135,000 $34
Beaver 2 Beds, 1 Bath, 1,150 sqft $65,000 $42
Boon 3 Beds, 1 Bath, 1,350 sqft $94,000 $28
Gerrish 2 Beds, 1 Bath, 1,230 sqft $79,000 $32
Enterprise 3 Beds, 2 Baths, 2,230 sqft $156,000 $65
Highland 2 Beds, 1 Bath, 1,170 sqft $86,000 $38
Rosebush 3 Beds, 1 Bath, 1,520 sqft $87,000 $23
Tobacco 3 Beds, 2 Baths, 1,890 sqft $115,000 $44
Paradise 2 Beds, 1 Bath, 1,550 sqft $91,000 $35

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

Here are some typical claims filed in Roscommon:

Claim Typical Claim Amount
FIRE $33,500
WIND $8,000
DAMAGE TO PROPERTY OF OTHERS $10,000

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

  • State Farm: Elizabeth Fortino, 1576 w houghton lk dr, Prudenville, MI, 48651-9797 989-366-5356
  • Allstate: Houghton Lake Ins Agy, 4345 w nestel rd, Houghton Lake, MI, 48629 (989) 329-2217
  • Liberty Mutual Independent: Gaylor Insurance Agency, 308 lake st, Roscommon, MI, 48653 989-275-5112

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 700-749 Credit Score $25 to 50,000 More than 3 Pets at home, Non-Smoker $220
Freelancer Up to 499 Credit Score $100 to $150,000 No Pets, Smoker $210
Retired 800-850 Credit Score $25 to 50,000 3 Pets, Smoker $370