Charlotte, MI Homeowners Insurance

Find the right homeowners insurance policy for you.

Charlotte, MI, a short 25 miles from Lansing, offers an ideal place for families to set down roots. It's a small town of around 9,000, with great schools, a friendly community and plenty of family-friendly activities. Protecting one of your most valuable assets should be important to you, as well as ensuring your family and financial well-being remain stable after a tornado, break-in or flood causes damage. 

Luckily, finding and buying a comprehensive homeowners insurance policy can be easy with an Independent Insurance Agent. Our local agents are Charlotte residents themselves and are extremely familiar with the overall risks you face. You deserve to have a customized Charlotte home insurance policy that meets your budgetary needs.

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

It's good to know that Michigan homeowners pay less than average for their coverage, but your individual home insurance should be personalized to your unique situation and meet your specific needs. Your home's value, building materials, age, and location are all taken into account, as well as your claims history and other potential hazards like pools and trampolines. Different companies take these different factors into account, which is why it's important to look at your options with an agent in order to make an informed decision.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Second Home and Vacation Home Insurance

Your second or vacation home needs just as much, if not more, protection than your primary residence. Chances are the property will be vacant often or you'll have rental guests on occasion — presenting different threats that you need protection against. Talk through the details with an insurance agent so you receive 360 degrees of protection for all of your homes.

Number of Thefts in Michigan

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

Unfortunately, Michigan has a higher number of break-ins than other parts of the country. You can take preventative steps such as leaving the porch light on, installing a high-quality security system or getting a guard dog, but the only way to ensure you're fully covered is with comprehensive Charlotte homeowners insurance. A local agent will discuss any higher limits, exclusions or special add-on policies you need so you're protected at all hours of the night.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

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 homes has a claim each year

Did you know that 6% of insured homeowners file a claim after a natural disaster hits? Weather-related damage to your home can cause financial ruin, but with the proper home insurance, you can make repairs in a timely manner. Fires, floods and wind damage can happen without warning, so visit an agent today to determine the appropriate insurance needed to make starting over easier.

What Are the Risks in Charlotte?

Charlotte homeowners can easily encounter storms and tornadoes that significantly damage roofs, bust out windows or bring down trees. Luckily, most insurance policies include coverage for weather-related damage, but it's important to know exactly what they cover and how they'll respond if you file a claim.

Compare Charlotte Home Insurance Quotes

Our Independent Insurance Agents can compare quotes with a number of insurance carriers until they find a Charlotte homeowners insurance policy that works for you. Whether you just purchased your first home or have had the same policy for a decade, contact your local agent to start discussing where you stand and what's missing.

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