Westland Homeowners Insurance

What Your Westland, MI Homeowners Insurance Policy Needs

Westland, MI is a city of about 84,000 people located in the state's Wayne County just outside of Detroit. It is the 10th largest city in the state. This city has been experiencing a decrease in population over the past several years, and this has opened up an opportunity to acquire affordable housing in a conveniently located neighborhood, as median home costs are well below the state average. If you own a house in this All-American city, you will want to be sure to protect your investment with a suitable Westland homeowners insurance policy.

Independent insurance agents in our network are available to help you find a competitively priced home policy that provides all the coverage that you and your family need. These agents are free to work with a number of reputable insurance providers, so they can gather a selection of customized Westland homeowners insurance quotes that you can review and compare together. Find an agent in or near Westland to learn more and to discover how easy it is to find the best home insurance policy.

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

Michigan residents pay lower-than-average rates for their home insurance coverage, which is good news for those who are looking to purchase a Westland homeowners insurance policy. Of course, while the figures above may give you a general idea of what your cost for coverage might be, your actual home insurance price is based on a number of different factors, including but not limited to the following:

  • The ZIP code in which your house is located
  • The age, value and expected rebuilding cost of your home
  • The building materials used in the construction of your home
  • The type of home you are insuring (single-family dwelling, condo, manufactured home, etc.)
  • The use of the home you are insuring: primary residence, vacation home or second home
  • The amount of your deductible
  • The presence of a swimming pool or other liability hazard on the property
  • Your bundling choice, i.e., whether you are bundling your coverage with other policies, such as life, auto or business insurance

Our agents can help you obtain and compare customized Westland homeowners insurance quotes from a variety of reputable insurance companies. That way, you can easily choose the policy that offers the coverage you need at the best price.

Second Home and Vacation Home Insurance

If you own more than one home, you want to be sure to find suitable coverage for your extra properties as well. Keep in mind, however, that these properties can have very different coverage needs from your primary residence. Vacation homes may need less in the way of contents coverage, but they are typically more expensive to cover if they are in locations that have more significant severe-weather conditions or if they are left empty and unattended for several months out of the year. 

Second homes that are used as rental properties need to be covered by landlord insurance policies in order to have the proper coverage. Your agent can help you review your coverage needs for these additional properties and may even be able to help you save money on all your policies by bundling them together under the same carrier.

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 rate; but in Westland, it is actually lower. In recent years, residents of this city reported a total of 361 burglaries, which equates to about 4.39 burglaries for every 1,000 households — lower than that national rate of 6.11 in that year. You should be sure to take preventive steps to protect your belongings, such as keeping your doors and windows securely locked and keeping your entryways well-lit and easily visible from the street. 

If you install motion-sensitive lighting or a burglar alarm system in your home, you might even qualify for a discount on your homeowners insurance. Unfortunately, some burglaries are simply unavoidable; but if your house is robbed, you may take some comfort in knowing that your Westland home 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

The risk of tornado activity in Westland is 47 percent greater than the national average. One of the worst tornadoes in this area was an F4 twister that touched down 14.3 miles from the Westland city center in 1976. It killed one, injured 55 and caused several million dollars’ worth of property damage. Your Westland homeowners insurance policy provides you with coverage against many of the catastrophes you are likely to face as a homeowner in this area. This includes such things as tornadoes and accidental fires. The important thing is that you have sufficient structural and contents coverage to enable you to rebuild and start over if a major disaster results in a total loss. Your agent can help you determine how much coverage is enough.

What Are the Risks in Westland, MI?

Homeowners in this city are most at risk for property damage caused by severe storms and floods. When storms roll into town, your house can take a beating from heavy winds and rain and from lightning and falling objects, such as uprooted trees. When heavy amounts of precipitation fall for an extended period, the ground can become saturated and drainage systems can become overwhelmed. This often leads to widespread flash flooding.

Your Westland homeowners insurance policy covers you for damage caused by storms. However, home insurance policies almost always exclude coverage for flood damage. Fortunately, the National Flood Insurance Program (NFIP) makes affordable flood insurance coverage available to homeowners who are at risk. Your agent can help you supplement your Westland home insurance with a suitable flood insurance policy through the NFIP.

Compare Westland Home Insurance Quotes

When it comes to purchasing insurance for your Westland home, there are several insurance providers that you can choose from. Comparison shopping enables you to obtain a great policy at the best rate. Unfortunately, many homeowners find it to be too time-consuming and frustrating to do on their own. That is why so many people in Michigan find it beneficial to work with an independent insurance agent in our network. These agents can answer your insurance-related questions, recommend policy options that can mitigate your risks and gather quotes from a few competing insurance providers. That way, it is easy for you find an affordable policy that meets all of your coverage needs. 

Find an agent with an office near you to learn more about Westland homeowners insurance.

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