Get Au Gres, MI Home Insurance Rates!

Did you know that homeowners rates in Au Gres, MI are subjected to increase or decrease per your risk, coverage options, deductible and discounts available. Home insurance companies providing coverage in Au Gres provide rates on a variety of different options. Our job is to help you review which rate is best for you. You may like cheaper rates at first but low prices may not be so attractive to you when you compare coverage levels. Most homeowners appreciate the dependability in knowing the top rated company they choose will make life easier if you ever have to file a claim. Getting the right insurance policy makes a world of difference when it comes to protecting your home.

Au Gres, MI Homeowner Questions:

What is the average monthly cost of home insurance in Au Gres, MI? Homeowners insurance is usually paid annually and the average rate per year for a home in Au Gres is around $1,002, that's $84 per month.

Please note that average rates for your area mentioned above are based on a standard HO-3 policy. We help customers review competitive homeowners insurance rates in Au Gres while also shopping top carriers, enhanced coverage options and applying discounts. Enter your MI zip code and let us help you shop more affordable home insurance rates today!

What is the total number of homes in this area? The total homes in the city of Au Gres is 1,525 housing units.

What is popluation for Au Gres, MI? The city limit population is around 889.

What is the average household income? The average annual income in the Au Gres area is estimated to be around $40,313.

What is the average real estate value for a home in Au Gres? The average value of a home in Au Gres is $113,500.

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Average Rates Nearby Au Gres

Are you looking for homeowners insurance in a city near Au Gres? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Au Gres, MI

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Au Gres.

48703,     

Au Gres, MI Home Insurance Average Premiums

$524 /yr.

For the city of Au Gres, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

What is the average home insurance cost for a home in Au Gres, MI?

What does it cost on average per month for home insurance in Au Gres, MI?

Au Gres, MI Coastal Wind, Hail & Flood Information

Au Gres is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Au Gres is know for it's beautiful beaches and waterways. Because Arenac County (FIPS: 26011) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Au Gres, MI.

Au Gres, MI - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Au Gres home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

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Saving Money Tips on Au Gres Home Insurance

A great way to save money on Au Gres homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Are you shopping for the best rate near or wihin the Au Gres area? Check out what homeowners are paying on average for Michigan homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Au Gres, Michigan.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Au Gres, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Arenac County.

Michigan Homeowners Insurance News & Information

According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

Au Gres, MI Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Au Gres so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Au Gres, MI?

- The average square footage in Au Gres is around 860 Sq. Ft. which would cost you around $113,500 to replace the home if you base the home on the price to build per square foot of $132.

Minimum Replacement Cost Total: $113,500

Location: Au Gres, Michigan (Arenac County)

Average Building Cost Per Square Foot in Au Gres: $132 (low end)

Average Square Footage in Au Gres: 860 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($132) in Au Gres, Michigan times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $412,500 (Media price to build of $165 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.

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