Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Alpena County, MI agent.

Alpena County, MI Homeowners Insurance Quotes

If you shopping for home insurance for your property located in Alpena County MI, we have great coverage options available at GetHomeInsuranceQuotes.com. We offer up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Alpena County. Our Michigan agents have over 20+ years of experience and are ready to help you compare and review the most affordable homeowners policies available, including enhanced coverage options and discouts. Protecting your home in Alpena County from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy should be limited to so ask our agents which carrier and coverage option is best for you.

You might like to know that the average home insurance rate for the state of Michigan is $1002 a year. That's $83.50 a month in homeowners insurance cost. We can certainly help you save up to 40% or more by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Alpena County MI. Simply give us a call now at 1-855-976-2656

For all Alpena County, MI residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Alpena County? Simply enter your zip code to get your Michigan homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Alpena County, MI Housing Demographics

With 29,598 residents living within the Alpena County area there are over 16,053 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 8,164 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Alpena County.

DemographicValues
Total Occupied Households12,791
Family Households (families)8,164
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units16,053

Alpena County, MI Coastal Wind, Hail & Flood Information

For all homeowners living in Alpena County (FIPS: 26007), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Michigan is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Alpena County, MI, it's important that you look into hurricane and windstorm insurance options.

Alpena County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Michigan.

Helpful Articles:

Alpena County, MI Home Insurance Average Premiums

Local Alpena, MI homeowners insurance quotes comparison

$833 /yr.

Michigan's Average Home Insurance Rates Overall

For the state of Michigan, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 36 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$715 /yr.
Current Average Cost:$833 /yr.
Maximum Range:$1002 /yr.

Alpena County, MI Coastal Wind, Hail & Flood Information

Alpena is 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 county of Alpena is know for it's beautiful beaches and waterways. Because Alpena County (FIPS: 26007) 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 Alpena County.

Michigan Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

Discounts For Homeowners in Alpena County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Michigan homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Alpena County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Alpena County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Alpena County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Alpena County Housing & Real Estate Data

Details:Statistics
Total Housing Units16053
Occupied Housing Units12791
Vacant Housing Units3262
Vacant Housing Units for Rent289
Vacant Housing Units Rented Not Occupied22
Vacant Housing Units For Sale289
Vacant Housing Units Sold Not Occupied57
Vacant Housing Units For Seasonal Occasional Use1961
Vacant Housing Units All Other Vacants644
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units12791
Housing Tenure Occupied Units Owner Occupied10076
Housing Tenure Occupied Units Owner Occupied Population23586
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied2715
Housing Tenure Occupied Units Renter Occupied Population5498
Housing Tenure Occupied Units Renter Occupied Average Household Size2