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Big Rapids Homeowners Insurance

What Your Big Rapids, MI Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 9, 2020

The county seat of Michigan’s Mecosta County, Big Rapids, MI is a small city with a population of just over 10,000 people. Big Rapids prides itself on blending the arts, recreation and cultural opportunities of a larger city with the family-friendly community-feel of a small town. This makes it a great place to set roots and raise a family. If you are among the proud homeowners in this vibrant city, you will want to be sure to protect your investment with a suitable Big Rapids home insurance policy.

Independent insurance agents in our network are available to help you find an ideal homeowners insurance policy at a competitive price. These local agents can work with a number of competing insurance providers to gather a selection of customized Big Rapids homeowners insurance quotes for policies that are suitable to meet your coverage needs. That way, you can easily determine which policy offers you the best value for your money. Find an agent in or near Big Rapids to learn more.

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

Michigan residents are at an advantage since they generally pay lower-than-average rates for their home coverage. You can save even more by shopping around for the best price. While the average rate mentioned above may give you a general idea of what your cost might be, your actual Big Rapids homeowners insurance quotes are based on a number of different factors, including but not limited to the following:

  • The age, value and estimated rebuilding cost of your house
  • The building materials used in the construction of your house
  • The ZIP code in which your house is located
  • The use of your property: primary residence, vacation home or second home
  • The type of home you are insuring (i.e., a single-family dwelling, condo, manufactured home, etc.)
  • The amount of property coverage you wish to buy
  • The deductible amount you are requesting
  • The presence of any liability hazard, such as a swimming pool, on the property

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

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, you need additional homeowners insurance policies to cover them. Houses that do not serve as primary residences typically have different coverage considerations. For example, though you might have less personal property coverage in these homes, they may cost more to insure if they are in areas where there are more significant severe weather hazards or if they are left empty and unattended for several months out of the year. 

Likewise, if you own a second home within the city that you rent out, perhaps to students at Ferris State University, you need to look into landlord insurance coverage in order to ensure that any claims you may need to file are honored by your insurance company. Your agent can review your particular situation with you and can make appropriate policy recommendations.

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 average, but Big Rapids enjoys a rather low crime rate. In recent years, there were only 28 burglaries reported in this city. That equates to about 2.61 burglaries per 1,000 households — well under the national rate of 6.11 burglaries per 1,000 households in that year.

If you are the victim of a burglary, you may find some peace-of-mind in knowing that your home insurance covers your losses. You need a copy of the police report and a detailed listing of your lost and damaged items when you contact your insurance company. Bear in mind that the installation of a burglar alarm system is an effective theft deterrent and may even earn you a discount on your Big Rapids homeowners insurance policy.

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

Whether your home is damaged by a severe weather event, a property crime or another hazard such as an accidental kitchen fire, your Big Rapids homeowners insurance policy provides you with compensation for your losses. However, if you do not have a sufficient amount of property coverage, you may experience financial hardships when you try to rebuild or replace what you have lost.

Your agent can help you assess how much structural and contents coverage is sufficient to protect you in the event of a total loss. You can also get help deciding whether actual cost or replacement value coverage is a better option for you. Talk to your agent about adding special endorsements to your Big Rapids home insurance policy in order to ensure that your particularly valuable property, such as heirlooms or fine art, is fully covered.

What Are the Risks in Big Rapids, MI?

Homeowners in Big Rapids have a high risk of severe storms, which can bring heavy rains, strong winds and lightning strikes. Storms such as these have the potential to topple trees, loosen roofing shingles and damage siding. Occasionally, they will even spawn tornadoes. For example, in 1968, an F3 twister touched down just 0.1 miles from the Big Rapids city center and caused a significant amount of property damage. While the risk of tornado activity in this city is actually 25 percent lower than the national average, it is something that you, as a homeowner, will want to be certain is covered by your insurance policy.

Another significant risk is flooding, which may occur because of heavy rains and snow thaws. While residents in close proximity to the Muskegon River may be most at risk, flood damage can affect just about anyone. Unfortunately, as many people are often surprised to learn only when it is too late, homeowners insurance does not cover flood damage. This does not mean you have no way to protect yourself against this hazard. Your agent can help you supplement your Big Rapids home insurance policy with flood insurance through the National Flood Insurance Program (NFIP).

Compare Big Rapids Home Insurance Quotes

When it comes to purchasing a home insurance policy for your house in Big Rapids, you can choose from among several potential insurance providers. Comparison shopping enables you to find a suitable policy at an economical rate, but many homeowners find it to be too bothersome and time-consuming to do on their own.

That is why so many Michigan residents find it beneficial to work with an independent agent in our network. Your local agent can recommend appropriate coverage amounts and obtain customized quotes from a variety of competing insurance companies. That way, you can easily find an affordable policy that sufficiently covers you against the hazards you are likely to face. 

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

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