Kentwood Homeowners Insurance

Kentwood is home to about 50,000 people. Many who work in Grand Rapids find this idyllic community to be a great place to live and raise a family. If you are among these proud property owners in this beautiful Michigan city, you can protect your investment with a reliable homeowners insurance policy.

When you are looking for the best insurance coverage for your Kentwood home, a local independent agent can offer you guidance and advice. Find an insurance agent near you to start comparing a selection of customized homeowners insurance quotes.

How Much Does Homeowners Insurance Cost in Kentwood, MI?

Average home insurance rates in the state of Michigan are lower than the national average, but in Kentwood they are slightly higher than the national rates.

• National average yearly premium: $1,211
• Michigan average yearly premium: $942
• Kentwood average yearly premium: $1,272

Your actual home insurance quotes are likely to differ a bit from these average rates. This is because costs are calculated on a case-by-case basis and can be based on several factors such as: 

• The age, size, and value of your home
• The materials used in your home’s construction and the age of your roof
• The type of house you are insuring (e.g., single-family home, condo, mobile home, vacation home etc.)
• The crime rate and weather risks in your ZIP code
• Your claims history and credit score
• The size of your deductible

When you bundle your home insurance with another policy like car insurance or life insurance, you can typically receive a significant discount on your premiums.

Reviewing homeowners insurance quotes from a few competing providers can help you be sure you are getting your coverage at a great price. Independent insurance agents make comparison shopping easy.  

What Are the Risks Faced by Homeowners in Kentwood?

Your home insurance policy is designed to cover against damage caused by most of the risks you may face as a homeowner in Kentwood.

Catastrophic events in Michigan

• Number of federally declared disasters in Michigan: 42
• Most common causes of disasters in the state:  Floods, severe storms, and tornadoes
• Average number of tornadoes per year in Michigan:  16
• Average amount of property damage per year in MI:  $897 million
• 1 in 15 insured homes has a claim each year.

You can expect your policy to include coverage against hazards like accidental fires, property crimes, and severe weather events, including windstorms, electrical storms, tornadoes, hail, heavy snows, and freezing temperatures.

A word about flood insurance

Be aware that homeowners insurance does not cover against flood damage. While the risk of flooding in this city is rather low, homeowners on properties near waterways like Whiskey Creek and Plaster Creek may want to purchase a flood insurance policy in case the unthinkable happens. 

Bear in mind that according to FEMA, as little as one inch of rainwater in your home can result is as much as $25,000 in property damage. A local independent agent can help you evaluate your flood risk and, at your request, can set you up with an affordable flood insurance policy through the National Flood Insurance Program (NFIP).

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Why Is Liability Insurance Important for Kentwood Homeowners?

In addition to covering your house and personal property, your homeowners insurance also can also provide you with a significant amount of personal liability protection.

Homeowners liability insurance is designed to cover expenses such as court costs, legal fees, and financial damages if you or someone in your household unintentionally causes someone else to experience injuries, property damage, or financial losses.

Examples of times that you might need your homeowners liability insurance include:

• If a neighbor’s child is seriously injured while playing on a trampoline in your backyard
• If you accidentally hit someone with a golf ball while hitting the links at the Indian Trails Golf Course
• If your dog gets out of your house and bites a neighbor
• If someone accuses you of libel or slander

Most insurance companies will offer between $100,000 and $500,000 in homeowners liability insurance. If you want more liability coverage than your home insurance can provide, your local insurance agent can also help you find an affordable umbrella insurance policy.

Talk to your insurance agent to learn more about what homeowners liability insurance can do for you.

Does Kentwood Homeowners Insurance Cover against Burglaries?

The burglary rate in Kentwood is lower than the national rate but higher than the state average. Residents of this city report about 200 burglaries a year.

• Number of burglaries per 1,000 homes in the US: 3.76
• Number of burglaries per 1,000 homes in Michigan: 3.17
• Number of burglaries per 1,000 homes in Kentwood: 3.51

Home security systems that include alarms and surveillance cameras make excellent theft deterrents. In fact, many homeowners insurance companies offer discounts to policyholders who have installed them in their houses.

Unfortunately, nothing is 100% foolproof against a determined burglar. If your house is broken into, the first thing you should do is ensure that you and your family are safe, and then call the authorities. You will need a copy of the police report when you file a claim.

Once your deductible has been met, your homeowners insurance company can provide you with compensation for all of your lost and damaged property. Your local insurance agent can help you make sure that all of your most valuable property is suitably covered.

What about Insurance for Second Homes and Vacation Homes?

Maybe you are fortunate enough to own a vacation home where you can get away from it all. Or perhaps you own a house in nearby Grand Rapids that you rent out to young professionals to earn some extra income.

Regardless of what you use them for, if you own more than one house, your extra properties can have additional insurance considerations. Because of this, you may need to purchase specialized coverage. 

• Vacation homes are frequently left unoccupied and unattended for long periods. These properties have an increased risk of sustaining significant property damage due to severe weather events, water leaks, and property crimes. Your insurance company require you to carry vacant home insurance during the times that this property is not being used.
• Second homes that are used as rental properties have higher liability and structural damage risks than primary residences, but these properties also require less in the way of contents coverage. Landlord insurance provides the right balance of coverage for these types of homes and is usually required by insurance providers if your property is occupied by tenants.

Talk to an independent insurance agent near you for help finding the best and most affordable policies to appropriately cover all of your residential properties.

Why Work with an Independent Insurance Agent in Kentwood, MI?

Independent agents in Kentwood are available to answer your insurance-related questions and can provide you with trustworthy guidance and advice.

Best of all, because they are free to work with several competing insurance providers, these agents can quickly provide you with a selection of customized quotes. That way, you can choose the policy that offers the coverage you need at the best price.

Contact an insurance agent in Kentwood to get started.