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Livonia Homeowners Insurance

What Your Livonia, MI Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 8, 2020

Just 15 minutes away from Downtown Detroit, “L-Town,” as Livonia, MI is affectionately known, is a great place to live in. With many industries, it has become a city of its own for many residents. It’s also home to world-renowned Madonna University, among many other higher education institutions. No wonder it’s one of the stable cities in Michigan. With mild weather and few storms, it’s also a safe town.

Owning a home in Livonia means insuring a home, and the choices facing any homeowner can be daunting. If you are looking to buy Livonia home insurance, the best thing you can do is to talk to your Independent Insurance Agent. Your agent will shop around to get you multiple quotes so that you can compare them and find the most affordable policy. Because there are so few storms, homeowners insurance can be had for relatively low cost in Livonia. The statistics from recent years show how low:

  • The national average was $1,034 for home insurance.
  • In Michigan, the average was only $802.
  • For homeowners insurance, Michigan ranks 37th, among the cheapest in the nation.

The cost of insuring your home is based on a number of factors. Size is the most important factor, simply because a larger home is more expensive to replace in the event of a fire or other disaster. The condition of your house is also very important, so you can expect periodic inspections to make sure it’s in good shape.

Second Home and Vacation Home Insurance

Not many people have vacation homes in Livonia. Those who do should consider insuring it the same way they would their primary residence. There’s no point in skimping because the same potential for loss exists on a second home. If you do want to save money and take on some risk yourself, the most common way is not to insure the contents of the home. Often you will find that this is more expensive on a second home anyway, given that no one is there all the time to keep an eye on things.

Number of Thefts in Michigan

Burglaries are a problem in Michigan, which does drive up home insurance costs somewhat. In recent years, the figures were as follows:

  • Nationally, an average state had 37,814 break-ins.
  • In Michigan, there were 56,344.

There are many things you can do to protect yourself and keep your insurance cost low. A security system is the most important, and you will often get a discount for this. Generally, homeowners insurance pay for all costs relating to damage caused by a burglar, even if your home’s contents are not insured. It’s important to have the coverage you need to protect the valuables you have in your home.

Number of Catastrophes in Michigan

With some of the mildest weather in the nation and no other threats like earthquakes, Michigan has one of the lowest rates of catastrophes. Across the state in recent years, the following was true:

  • There were 301 official catastrophes or incidents of widespread loss.
  • There were only 9 tornadoes reported.
  • Even with this low rate, catastrophes caused $1.8 billion in damage.
  • 1 in 15 insured homes has a claim every year.

While this is not a serious concern in Michigan, the right insurance is an important thing to have should a thunderstorm or tornado strike. Even with few such events, the total losses in Michigan show how much damage can be caused by even a small number of storms.

What Are the Risks in Livonia?

The most significant risk any homeowner faces in Livonia is theft. That’s a good thing because there are many things you can do to protect yourself and keep your insurance cost low. There are other things that influence the cost of your insurance, including any “attractive nuisance” such as a trampoline which can cause injury. A fenced yard with a good security system will protect you, no matter what your situation.

Compare Livonia Home Insurance Quotes

You do have a lot of options when looking for the homeowners insurance that best fits your unique home. Talk to your Independent Agent today. Since agents are not tied to one company, they can get you a quote for your home at the most affordable price.

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