Updated: November 26, 2024
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In Grand Rapids, MI, Auto-Owners Insurance is the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb the is best.
These companies cater to different needs, so we recommend choosing a provider based on what is important to you. Factors like cost, coverage and customer support impact your choice of the best cheap home insurance.
Best HomeInsuranceGrand RapidsTable of Contents
Why Trust MoneyGeek? We use reliable data from Michigan's Department of Insurance and Quadrant Information Services to recommend the best homeowners insurance in Grand Rapids.
Home insurance premiums in Grand Rapids mirror the most competitive estimates as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option in Grand Rapids, MI, with a MoneyGeek score of 97 out of 100 for $100K dwelling coverage.
The scores for home insurance companies in Grand Rapids range from 48 to 97. These figures reflect MoneyGeek's scoring system — insurers may receive different scores based on their credit history, the age of their home and other factors.
| Auto-Owners Insurance | 97 | $290 |
| Chubb | 91 | $632 |
| State Farm | 81 | $866 |
| Farmers | 78 | $653 |
| ASI | 68 | $489 |
| Encompass | 64 | $1,117 |
| The Hanover | 48 | $2,165 |
MoneyGeek found that Auto-Owners Insurance is the best option in Grand Rapids, MI, for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
Auto-Owners Insurance is the best home insurance provider due to its affordability, customer satisfaction and coverage. In Grand Rapids, various companies offer different costs and service experiences. While price is crucial, consider customer service and coverage benefits, especially when making claims.
Auto-Owners Insurance scores high on affordability and satisfaction. It provides useful coverages like guaranteed replacement cost, which helps if your coverage limit is too low, personal property replacement cost that covers damage from leaks and building ordinance or law, which enables you to meet local codes. You can save with discounts like responsible payment by paying on time for 36 months or paperless by enrolling in online billing.
MoneyGeek found that Chubb offers the best customer service in home insurance in Grand Rapids, MI, for $100K dwelling coverage. Here's a closer look at the top two providers for this coverage amount:
Chubb's high ranking is due to its excellent customer satisfaction score and strong track record in efficient claims handling. Chubb continues to excel as a top choice for those seeking a responsive and customer-focused insurance partner. Excellent service in home insurance means quick, helpful customer support and efficient claim processing.
Chubb is the best for service quality, with high scores in customer satisfaction. It offers comprehensive home insurance coverage like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit, and building ordinance or law to pay for updates and meet current codes. Also available is cash settlement, allowing you to receive cash if you choose not to rebuild. You can save with discounts like new home, where you get a discount if your home is 10 years old or less, and home renovation.
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance option in Grand Rapids, MI, for $100K dwelling coverage. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
Auto-Owners Insurance's high MoneyGeek score is driven by affordability and strong customer satisfaction. Cheap home insurance often means lower coverage, which can be easy on your wallet but might not be enough in an accident. In cases where saving on premiums is vital, consider the cheapest companies or learn the average cost of homeowners insurance in Michigan. The best cheap home insurance is more than affordable; it balances price and coverage.
Auto-Owners Insurance scores high on affordability and satisfaction. It offers comprehensive coverage with guaranteed replacement cost and scheduled personal property. You can save with discounts like responsible payment, which you get by paying on time for 36 months, and paperless, which you get by paying online. Auto-Owners Insurance is a smart pick for homeowners looking for value.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
Several factors impact homeowners insurance in Grand Rapids, including location. Comparing rates can help you save money. It takes about 15 minutes per company, so comparing three or more can take over an hour. MoneyGeek's home insurance calculator offers a quick way to save. Enter your age, dwelling coverage, credit score and more to get an estimate.
Auto-Owners Insurance is the best choice in Grand Rapids, MI, with the most affordable annual premium and highest score. The key factor influencing home insurance premiums is the dwelling coverage you choose.
Auto-Owners Insurance is the cheapest home insurance provider in Grand Rapids based on cost alone, offering the best value without compromising quality. According to MoneyGeek's evaluation, it not only provides the lowest price but also scores the highest. Opting for the cheapest homeowners insurance in Michigan can significantly ease your budget, offering protection without stretching finances.
| Auto-Owners Insurance | $290 |
| ASI | $489 |
| Chubb | $632 |
| Farmers | $653 |
| State Farm | $866 |
| Encompass | $1,117 |
| The Hanover | $2,165 |
Auto-Owners Insurance is the best option for high-value homes in Grand Rapids, MI. Dwelling coverage of this kind is necessary for homes that cost more to replace, affecting home insurance costs.
According to MoneyGeek, Auto-Owners Insurance offers excellent value despite not having the highest satisfaction scores.
| Auto-Owners Insurance | $401 |
| ASI | $2,044 |
| Farmers | $2,875 |
| State Farm | $3,592 |
| Encompass | $3,817 |
| Chubb | $4,329 |
| The Hanover | $7,840 |
Auto-Owners Insurance is the best company for home insurance for new homes in Grand Rapids, MI.
Auto-Owners Insurance stands out in Grand Rapids due to its low homeowners insurance cost, although it may not top the ranking, according to MoneyGeek. Remember that being adequately covered must be considered when choosing a home insurance provider.
| Auto-Owners Insurance | $280 |
| ASI | $294 |
| Farmers | $456 |
| Chubb | $474 |
| State Farm | $520 |
| Encompass | $656 |
| The Hanover | $730 |
Affordable homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums. The best cheap homeowners insurance in Grand Rapids depends on your needs. Consider factors like coverage options, customer service and deductible amounts. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need, consider the unique aspects of your home in Grand Rapids. This includes rebuilding costs, the value of your belongings and your liability requirements.
Investigate insurance companies operating in Grand Rapids. Focus on those with solid financial stability, positive customer feedback and a reputation for quality service.
After identifying your coverage needs, compare home insurance quotes. In Grand Rapids, premiums for $100K dwelling coverage range from $290 with Auto-Owners Insurance to $2,165 with Hanover annually.
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety devices or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium costs but ensure the deductible is manageable in case you need to file a claim.
Enhancing home security by adding alarm systems and secure locks can lower your home's risk profile and decrease insurance premiums.
Keeping a strong credit score can influence your insurance rates in Grand Rapids. Ensure timely bill payments and minimize outstanding debts.
Consider combining your homeowners insurance with other policies like auto insurance to unlock potential discounts and savings.
The best cheap home insurance provider in Grand Rapids ultimately depends on what coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Grand Rapids.
The average cost of home insurance in Grand Rapids is $657.
The cheapest home insurance company in Grand Rapids is Auto-Owners Insurance, with an annual premium of $290.
The best home insurance in Michigan for Grand Rapids residents is from Auto-Owners Insurance, with a MoneyGeek score of 97 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
