Howell, MI Homeowners Insurance

Find the right homeowners insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


The county seat of Livingston County, Howell, MI is a small city of approximately 10,000 people. Residents of this town enjoy the city’s many community-oriented activities, such as the Michigan Challenge Balloonfest, the Howell Melon Festival, the annual Pink Party to recognize survivors of breast cancer and a thriving farmers market. If you own a house in this vibrant, low-crime city, you will want to be sure to protect your investment with a suitable Howell home insurance policy.

Comparison shopping can help you find a good policy at a great price. Independent insurance agents in our network make shopping for affordable coverage easy. These agents can obtain customized Howell home insurance quotes from a variety of competing providers so that you can get a reasonably priced policy that meets your coverage and budgetary needs. Find an agent in or near Howell to learn more.

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

On average, homeowners in Michigan pay significantly lower rates for their home insurance coverage than most people across the nation. While the figures listed above can give you a general idea of what your cost might be, the only way to learn your actual rate is to request quotes from a few insurance companies. The companies you contact will use a number of factors to calculate your Howell home insurance rates. Your costs can be influenced by several considerations, including the following:

  • The value of the house you are insuring
  • The ZIP code in which your house is located
  • The building materials used in your home’s construction
  • The amount of personal property coverage you wish to purchase
  • The use of the house you are insuring: primary residence, second home or vacation home
  • The amount of your deductible
  • The presence of a swimming pool or other liability hazard on your property

To find the best price for your coverage, it is a good idea to compare at least three Howell homeowners insurance quotes.

Second Home and Vacation Home Insurance

If you own additional properties, such as a second home or a vacation home, your insurance needs for these properties are a bit different from they are for your primary residence — particularly if you rent to tenants. There are also particular risks involved when you leave a property empty and unattended for long periods of time. Be sure to discuss the details of your secondary homes with your agent, who can help you find suitable policies for all of your properties. Your agent may even be able to get you discounts if you bundle your coverage through the same insurer.

Number of Thefts in Michigan

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

Burglary rates in the state of Michigan are much higher than the national rate, but they are extremely low in Howell. In recent years, there were only 16 burglaries reported in this city. That is just 1.67 burglaries for every 1,000 households — far lower than the national rate of 6.11 in that year. Of course, this does not mean that you are immune to this threat. Fortunately, if your home is burglarized, your Howell home insurance company compensates you for your losses. Talk to your agent to find out if you need any special endorsements for your particularly valuable property.


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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

Weather-related disasters are not the only events that can damage your property. You also have the risk of loss or damage due to catastrophes such as fires and theft. It is important that your Howell home insurance policy includes enough coverage to fully compensate you for your losses. This means ensuring that all of your particularly valuable property is fully insured. That way, you can count on having enough in compensation to enable you to rebuild and start over in the wake of a total loss. Your agent can help you determine how much insurance is sufficient for your situation.

What Are the Risks in Howell, MI?

The risk of tornado damage in Howell is 70 percent greater than the national average. One of the worst tornadoes to strike in this area was an F5 twister that touched down 34.2 miles from the Howell city center in 1953. This tornado, with wind speeds in excess of 261 miles per hour, caused more than $5 million in property damage. Fortunately, your Howell homeowners insurance shields you from massive financial losses if your house is damaged by this kind of catastrophe.

Another risk faced by some of Howell’s residents, particularly those in close proximity to Thompson and Earl lakes, is that of flooding. However, flood damage is not covered by home insurance, so you may want to supplement your policy with flood insurance through the National Flood Insurance Program (NFIP). Your agent can help you secure a policy.

Compare Howell Home Insurance Quotes

The only way you can be certain that you are getting your Howell home insurance coverage at a reasonable price is by requesting and reviewing costs and offerings from a selection of highly-rated insurers. Unfortunately, comparison shopping frequently proves to be time-consuming and frustrating for some consumers. That is why savvy homeowners in Howell turn to agents in our network for help. Independent agents are free to work with a variety of reputable insurance companies. They can quickly provide you with a selection of Howell homeowners insurance quotes for policies that have been customized to meet your specific coverage needs. 

Find an agent with an office in or near Howell to get started.

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