Shelby Homeowners Insurance

Shelby is a small blue-collar village in Michigan that is an ethnically and racially diverse community. If you’re one of the 2,034 residents living in Shelby, you’ll want to be sure your home and valuables are protected from any unfortunate events. Whatever your home’s age or amenities, it’s important to have reliable homeowners insurance. 

If you’re not sure how to go about getting a homeowners policy, then you should call an insurance agent near you. An independent agent can get you lots of different home insurance quotes from high-quality companies. The best part is that an independent insurance agent won’t charge you any fees for their professional help.

Liability Insurance for Shelby, Michigan Homes

Another disaster that homeowners like your want to avoid is liability claims. That’s why it’s important for your home insurance to include personal liability coverage. The liability benefit that most property plans include will pay for legal fees, court costs, and damage settlements. 

Mishaps and accidents usually happen when you least expect it. Here are some examples of common liability situations that homeowners face: 

Check out your policy’s liability limits to be sure the coverage amount is good. Your independent insurance agent can go over your policy limits with you and answer questions. The agent may be able to increase your liability limits or get you an affordable umbrella policy for extra coverage. 

Price of Homeowners Insurance in Shelby, Michigan 

Michigan citizens usually pay a little less more for homeowners insurance than other states. However, Shelby home premiums are usually a bit higher than other nearby areas.  

• US average yearly premium: $1,173
• Michigan average yearly premium: $908

Remember, these average premiums are just to give you an idea of the price you might pay. Insurance costs are specific to each home, owner, and area. 

• Shelby average home values: $124,377
• Michigan average home values: $176,977
• US average home values:  $188,900

Your insurance agent will ask for lots of details about your house. This is information insurance carriers will use to calculate your insurance pricing: 

• The homeowner’s credit score 
• Claims history
• The home’s age and current market value
• Your home’s location (e.g., ZIP code, county)
• Materials used to build the home
• The home’s use: primary residence, vacation home, rental property
• The deductible amount selected
• Freestanding structures on the property (e.g., fences, garages, swimming pools)

Independent insurance agents in Shelby can help you sort through different homeowners policy options offered by reputable carriers. You can be sure to get high-quality homeowners insurance that fits your budget. 

Number of Property Crimes in Shelby, Michigan 

It’s always best to buy a comprehensive homeowners insurance plan no matter where you live. Property crimes happen everywhere, and your house needs to be protected. 

• Average US burglary rate per 1,000 homes: 4.69
• Average MI burglary rate per 1,000 homes: 1.98
• Average Shelby burglary rate per 1,000 homes: 0.98

Every American hometown wants to make their neighborhoods safe. It’s always important to look out for yourself, your family, and your neighbors by taking action. Here are a few easy ways to keep thieves away: 

Another benefit of securing your home is the policy discounts most insurance companies will be willing to give you. Property insurers like when homeowners have security cameras, burglar alarms, and even fire extinguishers. Talk with your insurance agent about how you might be able to get a premium discount for home safety measures. Don’t forget to ask your agent about flood insurance too. 

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Number of Catastrophes in Shelby, Michigan 

Shelby is part of Macomb County. The area faces a higher-than-average number of Midwestern weather catastrophes that can cause damage, particularly floods, storms, and tornadoes. Overall, the number of natural disasters in the Shelby area is a bit higher than the national average. 

• Major catastrophes causing widespread loss in Michigan: 301
• Common causes of disasters in the state: floods and tornadoes
• Amount of US property losses paid in 2018: $1,354,075

Here’s how Shelby’s worst weather events break down.

• Storms: 9
• Floods: 7
• Tornadoes: 3
• Snowstorms: 2

No matter how safe your hometown is, it’s a great idea to invest in an excellent homeowners insurance plan. It’s a good idea to be prepared for the costly financial losses associated with risks like harsh weather, crimes, and fires. Not only will having a solid insurance policy give you peace of mind, it’ll also absorb most of the cost from a covered claim. 

Give a local independent insurance agent a call today to talk about your home insurance policy needs. The sooner you do that, then the sooner your home will be protected. When you talk to your local agent, feel free to ask about car insurance and life insurance too. 

Start Shopping for Shelby, Michigan Home Insurance 

Exploring your options for the right policy at the right price is the best way to get a homeowners insurance plan. Of course, comparing multiple plans and premiums can take a lot of time and get frustrating. Make your life easier by working with a local independent insurance agent. Shelby agents know your community and understand your needs. 

An independent agent will be glad to answer your questions, identify any risks you might encounter, and gather multiple insurance quotes from a variety of reliable insurers. The best part of working with an independent agent is that you don’t have to pay for their professional assistance. 

Your home is your biggest investment, so talk today with an independent insurance agent about protecting your prized possession.