St. Clair Shores Homeowners Insurance

What Your St. Clair Shores, MI Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

A suburb of Detroit, St. Clair Shores, MI is a city of approximately 60,000 people. It is situated on the western shore of Lake St. Clair and features 14 miles of canals. Originally designed as a resort community, St. Clair Shores grew into a suburban city following World War II. Today, residents of this city enjoy dining, entertainment, and marinas along the “Nautical Mile,” and they look forward to the city’s annual Memorial Day parade. If you own a home in this low-crime Michigan city, you will want to be sure to safeguard your investment by purchasing a suitable St. Clair Shores home insurance policy.

When you are shopping for affordable coverage for your Michigan home, you can count on one of the many independent insurance agents in our network for support. These agents can contact a number of highly rated providers on your behalf to gather a selection of customized St. Clair Shores homeowners insurance quotes. That makes it easy for you to compare rates and find the best policy to meet your coverage needs. Find an agent near you to get started.

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

You may be pleased to learn that homeowners in Michigan pay lower-than-average rates for their home insurance coverage. Of course, rates can vary significantly from one homeowner to the next, so this average rate can only give you a general idea of how much you might expect to pay. When you ask for a quote, insurance companies use a number of different factors to calculate your actual St. Clair Shores home insurance costs. Considerations can include things such as the following:

  • The age, value and estimated rebuilding cost of the home you are insuring
  • The materials used in your home’s construction
  • The location (ZIP code) where your house is located
  • The amount of contents coverage you wish to purchase
  • The amount of your deductible
  • The home's use: primary residence, second home or vacation home
  • Your bundling choices, i.e., whether you will be bundling your coverage with other policies, such as auto or life insurance

Because each insurance provider you contact is likely to compute a different price for your coverage, you can save money by requesting and comparing St. Clair Shores homeowners insurance quotes before you make a selection.

Second Home and Vacation Home Insurance

If you are among the residents of St. Clair Shores who own second homes or vacation homes, you also need to cover these properties with suitable home insurance. However, these extra properties are likely to have different insurance considerations that can affect costs. Your price for coverage may increase if the property:

  • sits unoccupied for several months out of the year.
  • is located in an area with more significant severe weather events.
  • is located in an area with a high crime rate.
  • is leased out to tenants.

Be sure to discuss your extra properties with your agent who can make appropriate coverage recommendations and can help you find and compare a selection of affordable policy options.

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 in St. Clair Shores, the rate is rather low. In recent years, there were only 145 burglaries reported in this city. That equates to about 2.41 burglaries for every 1,000 households — less than half the national rate of 6.11 burglaries per 1,000 homes in that year.

If you are the victim of a property crime, your St. Clair Shores homeowners insurance compensates you for your losses. You just need to be certain that you have sufficient coverage in place, particularly if you own any very valuable items, such as excessive amounts of jewelry or family heirlooms. Of course, you should always take reasonable precautions to protect your property. If you install a burglar alarm system in your home, you may even qualify for a discount on your St. Clair Shores home insurance policy.

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 tornadoes in St. Clair Shores is relatively low. It is only 12 percent greater than the national average. One of the worst to strike in this area was an F4 twister that touched down 13.1 miles from the St. Clair Shores city center in 1964. It killed 11, injured 224 and caused millions of dollars’ worth of property damage.

Severe weather events and other catastrophes like accidental fires can lead to significant property damage to your home and property. You will therefore want to be certain that you are purchasing coverage in levels high enough to protect you from financial hardship in the event of a total loss. Your agent can help you review your coverage amounts and ensure that your policy limits are high enough.

What Are the Risks in St. Clair Shores, MI?

One of the biggest risks to homeowners in St. Clair Shores is property loss or damage caused by severe storms. When these storms have heavy winds and rains and include lightning, roofs and siding can sustain heavy damage and trees can uproot and fall and damage property. The good news is your St. Clair Shores homeowners insurance provides coverage against this type of weather-related disaster.

Sometimes these storms bring very heavy precipitation that can saturate the ground, overwhelm the draining systems and cause localized flash flooding. Unfortunately, coverage against flood damage is specifically excluded by virtually every home insurance policy. The only way to get coverage against this risk is by supplementing your St. Clair Shores homeowners insurance with a flood insurance policy through the National Flood Insurance Program (NFIP). Your agent can help you acquire this very important coverage.

Compare St. Clair Shores Home Insurance Quotes

The only way you can be certain that you are purchasing your St. Clair Shores homeowners insurance coverage at a reasonable price is by taking the time to compare costs and policies from a few competing insurance companies. Because many consumers find this to be an overly time-consuming and frustrating chore, many avoid it and then wind up paying much more than they need to for their homeowners insurance.

That is why it is a good idea to work with a local independent agent in our network when you are shopping for an affordable home insurance policy. These agents can take the time to learn your coverage needs and can then make rate inquiries from a few reputable insurance companies on your behalf. That way, you can easily compare customized St. Clair Shores home insurance quotes. With offices conveniently located throughout the state of Michigan, it is easy to find an agent near you.

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