Port Huron Homeowners Insurance

What Your Port Huron, MI Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

The county seat of Michigan’s St. Clair County, Port Huron is a city with about 30,000 residents. The city is home to Baker College’s Port Huron campus as well as St. Clair County Community College. Many tourists are attracted to Port Huron, MI for its historic downtown area, marina, boardwalk, lighthouse, and entertainment. Residents enjoy a high standard of living and a strong sense of community. If you are one of the many proud homeowners in this attractive city, you will want to be sure to protect your investment with a suitable Port Huron home insurance policy.

When you are looking for affordable coverage for your home, comparison shopping is the best way to ensure that you are getting your policy at a competitive rate. Independent insurance agents in our network make shopping for great coverage easy. These agents can gather customized Port Huron home insurance quotes from a variety of competing providers so that you are able to find the policy that is best suited to meet your coverage and budgetary needs. Find an agent near you 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 less money for their home insurance coverage than most residents across the nation. Of course, prices for coverage can vary significantly from one homeowner to the next. The figures listed above can only give you a general idea of what your costs might amount to. The only way to get your actual rates is to ask individual insurance companies to provide a quote. The companies you contact take a number of factors into consideration when they calculate your Port Huron home insurance price. Your costs can be influenced by several factors, including such things as the following:

  • The age, value, location, and rebuilding costs your house
  • The materials used in your home’s construction
  • The type of home you are insuring (i.e., townhouse, condo, mobile home, etc.)
  • The amount of property coverage you need
  • The use of the home 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 the property

Each insurance company has its own method for calculating rates, so you are likely to get a different quote from each provider you contact. Comparing costs enables you to select the Port Huron homeowners insurance that offers the best value for your money.

Second Home and Vacation Home Insurance

If you own more than one home, each property needs to be covered by its own home insurance policy. Vacation homes may be located in areas that have different weather conditions to contend with, and these properties often have an increased risk of problems such as break-ins, water damage and rodent infestations if they are left empty and unattended for long periods of time. Furthermore, second homes that are used as rental properties need to be covered by a landlord insurance policy in order to be properly covered.

Your agent can help you determine the coverage needs for every property you own. Your agent may even be able to get you discounts on all your policies by bundling the coverage for your additional properties with the same carrier that offers your primary Port Huron home insurance. Be sure to let your agent know about any additional properties you may own.

Number of Thefts in Michigan

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

Burglary rates in Michigan are significantly higher than the national average; and, unfortunately, it is high in Port Huron as well. In recent years, residents of this city reported a total of 210 burglaries. That equates to about 7.41 burglaries for every 1,000 households — greater than that year’s national average of 6.11 burglaries per 1,000 homes.

You can reduce your risk by installing a burglar alarm system and motion detection lighting around the perimeter of your house. Doing so might even earn you a discount on your Port Huron home insurance coverage. Unfortunately, some property crimes simply cannot be prevented. The good news is that if you do experience property loss or damage because of a burglary, you can turn to your home insurance company for compensation.

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

The risk of a tornado in Port Huron is low. In fact, it is 34 percent lower than the national average. However, this does not mean that residents of this city are immune to this threat. In 1953, for example, an F4 twister touched down less than 1 mile from the Port Huron city center, causing millions of dollars’ in damage.

Major disasters such as tornadoes and accidental house fires can be extremely damaging — often leading to a total loss. It is therefore crucial that your Port Huron homeowners insurance policy provides you with sufficient coverage not only for the structure of your home but also for the personal property you keep inside it. Your agent can help you determine how much coverage is enough and may recommend that you purchase special endorsements if you own any particularly valuable items, such as collectibles or fine art.

What Are the Risks in Port Huron, MI?

One of the most damaging hazards that pose a significant risk to homeowners in Port Huron is that of flooding. Heavy rains and spring snow thaws can overwhelm draining systems and can cause the St. Clair River and Black River to swell and overflow their banks. This can lead to widespread flooding, which can mean expensive damage and losses for area homeowners. Unfortunately, coverage for damage caused by floods is nearly always excluded from home insurance coverage. This does not mean that you have no options. Your agent can help you supplement your Port Huron homeowners insurance with an affordable flood insurance policy through the National Flood Insurance Program (NFIP). Talk to your agent to learn more.

Compare Port Huron Home Insurance Quotes

The only way you can be certain that you are getting your Port Huron home insurance coverage at a competitive price is by requesting costs and reviewing offerings from a few reputable insurance companies. Unfortunately, many consumers find this process to be too time-consuming and inconvenient to bother with. Savvy Michigan homeowners, on the other hand, turn to agents in our network for help.

The independent agents in our network are free to work with a variety of highly-rated insurance companies, so they can quickly and easily collect a selection of customized Port Huron homeowners insurance quotes that you can compare together. That way you can choose the best option to meet your coverage and budgetary needs. 

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

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