Updated: November 26, 2024
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In Sterling Heights, MI, Auto-Owners Insurance is both the overall best and cheapest choice for home insurance. However, if customer service is your priority, Chubb is the best.
These companies cater to different needs, such as policy cost or service satisfaction, so choosing the best cheap home insurance depends on what matters most to you.
Best HomeInsuranceSterling HeightTable of Contents
Why Trust MoneyGeek? We use Michigan's Department of Insurance data and Quadrant Information Services to find the top homeowners insurance in Sterling Heights, ensuring our picks are data-driven.
Home insurance premiums in Sterling Heights represent the most competitive rates as of September 2024.
MoneyGeek found that Auto-Owners Insurance is the best option in Sterling Heights, MI, for home insurance with $100K dwelling coverage, earning a MoneyGeek score of 97 out of 100.
The scores for home insurance companies in Sterling Heights range from 48 to 97. These scores reflect MoneyGeek's scoring system, which may vary based on your credit history, the age of your home and other factors.
| Auto-Owners Insurance | 97 | $307 |
| Chubb | 87 | $768 |
| State Farm | 74 | $1,089 |
| Farmers | 74 | $778 |
| ASI | 64 | $648 |
| Encompass | 57 | $1,312 |
| The Hanover | 48 | $1,910 |
MoneyGeek found that Auto-Owners Insurance is the best option in Sterling Heights, MI, for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
Auto-Owners Insurance is the best home insurance because it balances affordability and high customer satisfaction, significantly contributing to its MoneyGeek score.
Various companies provide different cost and service experiences in Sterling Heights. Cost is vital, but you should also consider factors like customer satisfaction and coverage options, as these could be crucial when making claims.
Auto-Owners Insurance scores high on affordability and customer satisfaction. It offers comprehensive home insurance coverages like guaranteed replacement cost, which ensures your home is fully covered if your limit is too low, and personal property replacement to protect your belongings from damage. You can save with discounts like bundling and responsible payment, which you can qualify for by paying premiums on time for 36 months.
MoneyGeek found that Chubb is the best option for home insurance for $100K dwelling coverage in Sterling Heights, MI, due to its excellent customer service. Here are the top two providers for this coverage:
Chubb prioritizes customer satisfaction and provides comprehensive coverage options. Choosing Chubb means you get reliable and efficient service tailored to your needs. Excellent service in home insurance includes prompt claim handling and clear communication with policyholders.
Chubb is the best for service quality, with high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost that helps rebuild your home even if costs go over your policy limit and building ordinance or law to help you pay to update your home to current codes. Additionally, cash settlement lets you choose not to rebuild and get a cash payout instead. You can save with discounts like new home and home renovation.
MoneyGeek found that Auto-Owners Insurance is the best cheap home insurance company in Sterling Heights, MI. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
Auto-Owners Insurance stands out for its excellent affordability and decent customer satisfaction. Cheaper home insurance means lower coverage, which is wallet-friendly but may not be enough when accidents happen. In cases where saving on premiums is key, consider the cheapest companies or learn the average cost of homeowners insurance in Michigan. The best cheap insurance offers reasonable cost and value, unlike the most affordable options that may only focus on low prices.
Auto-Owners Insurance scores high in affordability and customer satisfaction. It offers guaranteed replacement cost and scheduled personal property coverages. Other useful coverages it provides are equipment breakdown, which covers home appliances, and building ordinance or law, which helps with local building codes. You can save with discounts like bundling and responsible payment, which you get by paying on time for 36 months.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 10, 2024
Several factors affect homeowners insurance in Sterling Heights, with location being one. Comparing homeowners insurance rates is the best way to save money, though it can take up to 15 minutes per company, totaling over an hour if comparing three or more. Use MoneyGeek's home insurance calculator for instant savings. Just enter age, dwelling coverage, credit score, deductible, liability coverage and a few other factors for a rate estimate.
Auto-Owners Insurance offers the best home insurance option in Sterling Heights, MI. The key factor influencing home insurance premiums is the dwelling coverage you select.
Auto-Owners Insurance is the cheapest in Sterling Heights for all dwelling coverages, and its top MoneyGeek score reinforces its position. By selecting the cheapest homeowners insurance in Michigan, you can effectively balance your financial obligations.
| Auto-Owners Insurance | $307 |
| ASI | $648 |
| Chubb | $768 |
| Farmers | $778 |
| State Farm | $1,089 |
| Encompass | $1,312 |
| The Hanover | $1,910 |
Auto-Owners Insurance is the best option for home insurance in Sterling Heights, MI, if you need $750K dwelling coverage. High dwelling coverage is essential for homes that cost more to replace, with home insurance costs increasing accordingly.
Based on pricing alone, Auto-Owners Insurance offers the most affordable homeowners insurance in Sterling Heights. According to MoneyGeek, while this insurer ranks highest in affordability, its score also reflects strong overall performance.
| Auto-Owners Insurance | $481 |
| ASI | $2,835 |
| Farmers | $3,558 |
| State Farm | $4,512 |
| Encompass | $4,528 |
| Chubb | $5,340 |
| The Hanover | $6,918 |
Auto-Owners Insurance offers the most affordable home insurance for new homes in Sterling Heights, MI.
The low cost of Auto-Owners Insurance makes it the prime choice for new homeowners in Sterling Heights. Though it is the cheapest, Auto-Owners' overall performance outshines others in affordability and other factors. Ensure you're also adequately covered to meet your needs.
| Auto-Owners Insurance | $290 |
| ASI | $362 |
| Farmers | $538 |
| Chubb | $571 |
| The Hanover | $646 |
| State Farm | $653 |
| Encompass | $763 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage with affordable premiums, but they should also address your needs. Consider factors like coverage options and deductibles. Follow these steps to get the best cheap home insurance.
In Sterling Heights, consider the specifics of your home to determine how much home insurance coverage you need. Assess rebuilding costs, personal property value and liability needs.
Research insurance companies serving Sterling Heights. Look for those with strong financial stability, good customer reviews and a track record of quality service.
Once you understand your coverage needs, compare home insurance quotes. In Sterling Heights, $100K dwelling coverage premiums range from $307 to $1,910 annually.
Inquire with each provider about discounts you may qualify for, such as bundling policies, installing safety features or maintaining a claims-free history.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford if you need to make a claim.
Installing security systems and sturdy locks can decrease your home's risk profile and potentially lower insurance costs.
Keep a good credit score, as it can influence your insurance rates in Sterling Heights. Pay bills on time and minimize outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance. This can lead to significant discounts and savings.
The best cheap home insurance provider in Sterling Heights depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Sterling Heights, MI.
The average cost of home insurance in Sterling Heights is $729.
The cheapest home insurance company in Sterling Heights is Auto-Owners Insurance, with an annual premium of $307.
The best home insurance in Michigan for Sterling Heights residents is from Auto-Owners Insurance, with a MoneyGeek score of 97 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
