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Adrian Homeowners Insurance

What Your Adrian Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 9, 2020

The county seat of the state's Lenawee County, Adrian, MI is a small city with a population of just over 21,000 people. It is home to Jackson College, Adrian College, and Siena Heights University. Many people find this city to be a great place to raise a family because of its plentiful parks, elite schools, and thriving cultural scene. If you have decided to buy a house in this vibrant and innovative city, you will want to be sure to protect your investment with a suitable Adrian homeowners insurance policy. 

Independent insurance agents in our network are available to help you find the best home policy at a competitive cost. These agents are free to work with a number of reputable insurance providers, so they can gather a selection of Adrian homeowners insurance quotes for policies that are customized to meet your specific coverage needs. Find an agent in or near Adrian to learn more.

  • National yearly premium average: $1,034
  • Michigan yearly premium average: $802
  • 37th most expensive premiums in the U.S.

Michigan residents pay lower-than-average rates for their home insurance coverage, which is good news for those who are looking to purchase an Adrian homeowners insurance policy. Of course, while the figures above can give you a general idea of what your cost for coverage might be, your actual home insurance quotes are based on a number of different factors including but not limited to the following:

  • The age and value of your home and the amount of coverage you wish to buy
  • The building materials used in the construction of your house
  • The ZIP code where your house is located
  • The home's use: primary residence, vacation home or second home
  • The amount of your deductible
  • Your claims history and credit score
  • The presence of a swimming pool or other designated liability hazard on the property
  • Your bundling option, i.e., whether you are bundling your coverage with other policies, such as life or auto insurance

Our agents can help you obtain and compare Adrian homeowners insurance quotes from a variety of reputable insurance companies. That way, you can be sure that you are paying a reasonable rate for the coverage you choose.

Second Home and Vacation Home Insurance

Some people in Adrian own more than one home. If you are among them, you want to be sure to find suitable coverage for your extra properties as well. However, it is important to bear in mind that these properties can have very different coverage needs from your primary residence. Vacation homes may need less in the way of contents coverage but may be more expensive to cover if they face more hazardous weather conditions where they are located or if they are left empty and unattended for several months out of the year. 

Second homes that are used as income vehicles, such as those rented to area college students, need to be covered by landlord insurance policies in order to have the proper coverage. Your agent can help you review your coverage needs for these other properties and may even be able to help you save money on all your policies by bundling them together with the same carrier that offers you Adrian home insurance.

Number of Thefts in Michigan

  • National number of burglaries: 37,814
  • Michigan number of burglaries: 56,344

The burglary rate in Michigan is higher than the national rate; and, regrettably, this holds true for Adrian as well. In recent years, residents of this city reported a total of 168 burglaries, which equates to about 7.96 burglaries for every 1,000 households – higher than that national rate of 6.11 in that year.

You can take preventive steps to protect your belongings, such as keeping your doors and windows securely locked and keeping your entryways well lit and easily visible from the street. If you install motion-sensitive lighting or a burglar alarm system, you may even qualify for a discount on your homeowners insurance. Unfortunately, some burglaries are simply unavoidable. If you are the victim of a property crime, you can take some comfort in knowing that your Adrian home insurance policy compensates you for your losses.

Number of Catastrophes in Michigan

  • Number of catastrophes in Michigan: 301
  • Number of tornadoes in Michigan: 9
  • Amount of property damage in Michigan: $1,880,370,000
  • 1 in 15 insured homes has a claim each year

Your Adrian homeowners insurance policy provides you with coverage against many of the hazards you are likely to face as a homeowner in this city. These typically include loss or damage caused by property crimes, accidental fires, and extreme weather events. The important thing is that you have sufficient structure and contents coverage to enable you to rebuild and start over if a disaster results in a total loss. Your agent can help you decide on appropriate coverage amounts.

What Are the Risks in Adrian, MI?

While disasters in Adrian are relatively rare, they do happen. This city has been affected by an occasional tornado, severe thunderstorm or blizzard, so it is important to be certain that your home insurance offers the coverage you need in order to be compensated for damage caused by these events.

The risk of tornadoes in the Adrian vicinity is 62 percent greater than the national average. One of the worst was an F4 twister that touched down 27.5 miles from the Adrian city center in 1965. This tornado was responsible for 18 deaths, 236 injuries and more than $5 million worth of property damage. Your agent can help you be certain that the policy you choose offers coverage against these destructive windstorms and the other severe weather events you are likely to experience.

Compare Adrian Home Insurance Quotes

When it comes to purchasing insurance for your Adrian home, you have several insurance providers from which you can choose. Comparison shopping enables you to find the best rate for a great policy, but many homeowners find it to be too time-consuming and frustrating to do on their own. That is why so many people find it beneficial to work with an independent insurance agent in our network. These agents can answer your insurance-related questions, identify and eliminate your exposures, and gather quotes from a few competing insurance providers. That way, it is easy for you to find an affordable policy that meets all of your coverage needs. 

Find an agent with an office near you to learn more about Adrian homeowners insurance.

Now, who's ready to get their insurance problems solved?