Updated: November 28, 2024
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In Warren, Michigan, Auto-Owners is both the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best. These companies cater to different needs.
Choosing the best cheap home insurance depends on factors like your coverage needs, budget and desired service level.
Best HomeInsuranceWarren, MITable of Contents
Why Trust MoneyGeek?
We used data and rates from the Michigan Department of Insurance and Financial Services and Quadrant Information Services to select the top homeowners insurance options in Warren.
Home insurance premiums in Warren represent the latest available quotes as of September 2024.
MoneyGeek found that Auto-Owners is the best option in Warren, Michigan, for $100K dwelling coverage, with a MoneyGeek score of 97 out of 100.
The scores for home insurance companies in Warren, Michigan, range from 43 to 97. These figures reflect MoneyGeek's scoring system, where insurers may get different scores based on factors like credit history and the age of your home.
| Auto-Owners Insurance | 97 | $319 |
| Chubb | 89 | $768 |
| State Farm | 74 | $1,196 |
| ASI | 62 | $801 |
| Farmers | 50 | $2,005 |
| The Hanover | 48 | $2,102 |
| Encompass | 43 | $2,108 |
MoneyGeek found that Auto-Owners is the best option in Warren, Michigan, for $100K dwelling coverage. The two best home insurance companies in Warren for this coverage are:
Auto-Owners is the best home insurance provider due to its affordability and high customer satisfaction scores, making it a reliable choice for homeowners.
In Warren, Michigan, various companies have different costs and services. While cost is important, consider factors like customer service and coverage options, which are vital when making a claim.
Auto-Owners scores high in affordability and satisfaction, making it a top choice. It offers comprehensive home insurance with coverages like guaranteed replacement cost and personal property replacement cost. You can save with discounts like responsible payment and paperless. Pay your premiums on time or go paperless to qualify.
Auto-Owners' guaranteed replacement cost ensures your home is fully covered if your limit is too low. Personal property replacement cost covers damage from appliance leaks and more. Equipment breakdown covers failures of home appliances like air conditioners and computers.
MoneyGeek found that Chubb is the best option for home insurance with the best customer service in Warren, Michigan, specifically for $100K dwelling coverage. The top two providers for this coverage are:
Chubb is the best due to its high customer satisfaction and excellent coverage scores, which contribute significantly to its MoneyGeek score. Choosing Chubb means opting for a provider that prioritizes what homeowners value most.
Excellent service in home insurance means being prompt, caring and helpful when you need them the most.
Chubb's high MoneyGeek score is due to its excellent customer satisfaction and coverage options. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home and home renovation. For the new home discount, your house should be seven or 10 years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law pays to update your home to current codes. Cash settlement lets you get money if you choose not to rebuild after a total loss.
MoneyGeek found that Auto-Owners is the best cheap home insurance option in Warren, Michigan. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in Michigan, Auto-Owners stands out due to its high affordability and customer satisfaction scores, making it a strong choice for budget-conscious homeowners. Remember that opting for cheap home insurance usually means choosing lower coverage. This might save you money now but could be risky if an accident occurs. When saving on premiums matters most, evaluating the cheapest homeowner insurance companies might help.
The best cheap home insurance differs from the cheapest one because it balances customer satisfaction and affordability. Auto-Owners successfully balances cost and service quality.
Auto-Owners scores high in affordability and customer satisfaction. It offers guaranteed replacement cost and scheduled personal property coverages. You can save with discounts like responsible payment, which you get by paying on time for 36 months, and paperless billing. Auto-Owners is a great choice for affordable home insurance.
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
In Warren, many factors, including location, influence homeowners insurance rates. Comparing different home insurance policies saves money but can take over an hour since each company review takes up to 15 minutes. MoneyGeek's home insurance calculator saves you time by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other details to get an estimate.
MoneyGeek found that Auto-Owners is the best option for home insurance in Warren, Michigan. The main factor influencing home insurance premiums is the dwelling coverage you select.
Auto-Owners stands out in Warren, Michigan, due to its low prices and maximum MoneyGeek score. This company provides excellent value for the money in all coverage options, showing that it is the best and cheapest.
Choosing the cheapest homeowners insurance in Michigan can assist with managing your finances effectively.
| Auto-Owners Insurance | $319 |
| Chubb | $768 |
| ASI | $801 |
| State Farm | $1,196 |
| Farmers | $2,005 |
| The Hanover | $2,102 |
| Encompass | $2,108 |
Auto-Owners is the top choice for high-value homes in Warren, Michigan. Homes that cost more need high dwelling coverage because they are more expensive to replace, raising home insurance costs.
Auto-Owners leads in Warren, Michigan, for its low rates, being an easy way to save on your home insurance costs. According to MoneyGeek, Auto-Owners also scores highly overall, effectively balancing cost with other key factors.
| Auto-Owners Insurance | $524 |
| ASI | $3,612 |
| State Farm | $4,951 |
| Chubb | $5,340 |
| Encompass | $7,163 |
| The Hanover | $7,585 |
| Farmers | $9,955 |
Auto-Owners is the most affordable choice in Warren, Michigan, for new homes requiring dwelling coverage of $100K.
Auto-Owners is the least expensive option due to its low premium rates in Warren, Michigan. It combines affordability without sacrificing coverage. Although it may not have the highest rating, the cost benefits are significant for many homeowners.
It is important to ensure you are adequately covered to protect your investment.
| Auto-Owners Insurance | $300 |
| ASI | $428 |
| Chubb | $571 |
| State Farm | $717 |
| The Hanover | $720 |
| Encompass | $1,204 |
| Farmers | $1,328 |
The best cheap homeowners insurance providers offer a balance of quality and cost, ensuring great customer service and coverage at affordable premiums.
The best cheap homeowners insurance in Warren depends on your needs, so consider more than just premiums. Factors include coverage options, customer service and financial stability. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the specifics of your home in Warren, Michigan, including rebuilding costs, personal property value and liability coverage.
Research insurance companies in Warren, Michigan. Look for those with strong financial stability, positive customer reviews and a history of quality service.
Once you know what coverages you require, compare home insurance quotes. In Warren, Michigan, premiums for $100K dwelling coverage can range from $319 to $2,108 annually.
Inquire with each provider about discounts you might qualify for, such as those for bundling policies, installing safety features or being claims-free.
Opting for a higher home insurance deductible can lower your premium, but ensure it's an amount you can afford to pay if needed.
Installing security systems and robust locks can lower the risk profile of your home and potentially reduce insurance costs.
Keep a good credit score, as it can impact your insurance rates in Warren, Michigan. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, such as auto insurance. This can lead to substantial discounts and savings.
The best cheap home insurance provider for you in Warren depends on how much 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 Warren, Michigan.
The average home insurance premium in Warren, Michigan, is $989.
Auto-Owners offers the cheapest home insurance in Warren, Michigan, with an annual premium of $319.
The best home insurance in Michigan for Warren residents is provided by Auto-Owners, 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.
