Sterling Heights Homeowners Insurance

What Your Sterling Heights, MI Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

If you're looking for the perfect place to put down roots, Sterling Heights, MI might just be the city you're searching for. This Michigan city has been repeatedly recognized as the "best community to raise a family," with beautiful neighborhoods, low taxes and a low crime rate. While there are many perks to living in Sterling Heights, the winter weather is definitely a serious concern. Make sure your home is protected with the best Sterling Heights homeowners insurance. Our Independent Insurance Agents take the guesswork out of shopping for home insurance in Sterling Heights. Our experienced agents can walk you through the best coverage options, offering rates on multiple policies so you can compare benefits and find a plan that works for you. 

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

Sterling Heights offers some great financial incentives to homeowners, including low tax rates and home insurance premiums that trend well below the national average. Our Independent Insurance Agents can help you find the most cost-effective coverage options by providing quotes on multiple policies. Ultimately, there are several variables that influence your home insurance premium. Your home's size, age and location, and your recent claims are all considered before your rate is determined. 

Sterling Heights Second Home and Vacation Home Insurance

With easy access to nearby Detroit and some of the best winter sports in Michigan, Sterling Heights has become a popular stop for travelers. Each year, the Annual Sterlingfest Art and Jazz Fair attracts more than 100,000 tourists. That's why many homeowners opt to purchase a second home in this area to use as a vacation getaway or a rental property. Finding insurance for a second home can be tricky, but our Independent Insurance Agents are experts at matching homeowners with the right policies for vacation houses or rental properties.

Number of Thefts in Michigan

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

As a whole, Michigan has a high crime rate, but crime in Sterling Heights is much less common. Unfortunately, break-ins do happen occasionally, so make sure you take steps to protect your home from this threat. Lock your doors at night, and when you leave home, consider adding a security system to minimize your risk of burglaries. If you do become the victim of a break-in, your home insurance policy pays to replace stolen items and repair any damage to your property. 

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 high prevalence of severe winter weather is a major concern for homeowners in Michigan. Each winter, heavy snowfall can lead to burst pipes, collapsed roofs, and melt-off flooding. With 1 out of 15 homes filing a claim each year, it's obvious that home insurance is a must-have if you own any kind of residential property in Sterling Heights. 

What Are the Risks in Sterling Heights?

Sterling Heights homeowners face a major risk for weather-related catastrophes. Blizzard-level snowstorms can cause danger of falling trees and power lines. The winter months also bring an elevated risk for house fires. In fact, around half of all destructive fires happen during the winter months, according to the National Fire Association. Wood stoves, fireplaces, and space heaters can all start a blaze that quickly grows out of control, causing total devastation for local homes. Make sure your home is covered against these threats with a comprehensive home insurance plan.

Compare Sterling Heights Home Insurance Quotes

Saving money on your homeowners insurance starts with a call to an Independent Insurance Agents. Our friendly agents know the ins and outs of home insurance and can provide you with quotes on multiple coverages. This gives you a chance to really weigh all of your options and compare benefits before you choose a plan that is the best fit for your budget. 

Contact an agent today to get your customized quotes on Sterling Heights home insurance.

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