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Portage Homeowners Insurance

What Your Portage, MI Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 8, 2020

Portage is a city of approximately 47,000 people in Michigan’s Kalamazoo County. It offers residents an abundance of affordable housing, low taxes, well-maintained neighborhoods, low crime rates and easy access to world-class health care. Portage, MI is also home to numerous parks, walking trails, outdoor activities, and the Kalamazoo Air Zoo. If you are one of the many proud homeowners in this vibrant and beautiful city, you will want to be sure to protect your investment with a suitable Portage home insurance policy.

When you are shopping for affordable coverage, you can turn to an independent insurance agent in our network for help. These local agents are able to gather Portage homeowners insurance quotes from a variety of highly-rated providers so that you can easily compare rates and find the best policy 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.

Homeowners in Michigan pay lower-than-average rates for their home insurance coverage, and you can save even more by comparison shopping. Rates can vary from one provider to the next because insurance companies take a number of factors into consideration when they calculate your Portage home insurance costs. Your rates are influenced by such factors as these:

  • The value and rebuilding cost of your home
  • The ZIP code in which your house is located
  • The age of your home and the building materials used in its construction
  • The use of the home: primary residence, second home or vacation home
  • The amount of contents coverage you wish to purchase
  • The amount of your deductible
  • The presence of a designated “dangerous breed” dog on the property
  • The inclusion of any liability hazard on the property, such as a swimming pool or a trampoline

Insurance companies each have their own methods for determining costs based on risks, so they will likely calculate different costs for your coverage. When you compare at least three Portage homeowners insurance quotes before making a selection, you can save yourself money.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home in addition to your primary residence in Portage, you will have different coverage considerations when you purchase home insurance policies to cover these extra properties. For example, you may keep fewer belongings in a vacation home and need less in the way of contents coverage, but there may be more severe weather risks to contend with. If you use a second home as an income vehicle by renting it out to tenants, you need to purchase a special landlord insurance policy in order to be properly covered. Your agent can help you find the right policies to meet the specific needs of your additional properties and may even be able to get you a discount on all your policies by bundling them under the same carrier that provides your Portage homeowners insurance.

Number of Thefts in Michigan

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

The burglary rate in Michigan is higher than the national average, but residents of Portage enjoy a comparatively low crime rate. In recent years, there were 162 burglaries reported in this city. That equates to about 3.42 burglaries for every 1,000 homes – well under the national rate of 6.11 in that year. Burglar alarms and motion-sensitive outdoor lighting are effective theft deterrents and may even qualify you for a discount on your home insurance policy. Unfortunately, nothing is foolproof; so if your house is targeted by burglars, you may take some comfort in knowing that your Portage homeowners insurance policy compensates you for your losses.

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

Severe weather events can damage roofs, siding, windows, and other property. Furthermore, hazards such as house fires and vandalism can also lead to your experiencing a great deal of property damage. This is why it is important that your Portage homeowners insurance include sufficient structure and contents coverage to enable you to rebuild and start over in the wake of a total loss. Your local agent can make recommendations if endorsements are needed to fully cover any of your particularly valuable property, such as family heirlooms, fine art or collectibles.

What Are the Risks in Portage, MI?

Residents of Portage are most at risk for property damage caused by severe storms and tornadoes. In fact, the risk of tornado activity in this city is 45 percent greater than the national average. One of the worst tornadoes to strike in this area occurred in 1977 when an F4 twister touched down just 5.3 miles from the Portage city center. This storm injured 10 people and caused a great deal of property damage to area homes and businesses. Fortunately, your Portage home insurance policy covers you against severe weather damage to your home. Some policies might require you to specifically list the hazards against which you wish to be covered, so your local agent, who will be aware of the risks in this city, can help you ensure that you are purchasing all the coverage you need.

Compare Portage Home Insurance Quotes

The only way you can be certain that you are buying your Portage homeowners insurance policy at a reasonable price is by comparing costs and offerings from a few competing insurance companies. Because this can be a time-consuming and often frustrating task, many homeowners avoid doing it and then pay more than necessary for their home coverage.

That is why it is to your advantage to work with an independent agent in our network. Your local agent will take the time to learn your specific coverage needs and will then make rate inquiries for you. That way, you can easily compare customized Portage home insurance quotes with the help of an industry professional. With offices conveniently located in and near Portage, it is easy to find a local agent who can help you.

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