Marysville, MI Home Insurance Quotes!

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For all Marysville, MI homeowners, finding great coverage at a lower price is in high demand. Residents of Marysville can visit our site online and conveniently shop and compare the best rates locally without leaving your home. At GetHomeInsuranceQuotes.com, we pride ourselves on customer service and making it easy for homeowners to compare up to 12 major home insurance carriers with ease. Thousands of other customers based out of Marysville and the surrounding areas of SAINT CLAIR County have gained additional savings with our competitive quoting raters. The best benefits to our customers is our FREE online shopping experience and it allows us to earn your business by providing a clear quoting process so you know what types of home insurance carriers can provide the protection and coverage you need.

If you want to receive quick homeowners insurance quotes for your home in Marysville, MI, then you can easily start our online quoting application by entering your zip code. The process only takes 1 minute to complete. Compare your home insurance quotes today or give us a call now at 855-976-2656!

Marysville, MI Demographics & Home Data

Marysville has 9,959 residents, which is roughly 4,158 households per zip code with 3 people per household. The average household income is a respectable $62,438, which is slightly above the national average. Homes are very affordable in the Marysville area with the average house value to be around $133,600.

DemographicValues
Population9,959
Total Occupied Households4160
Family Households (families)2738
Average Owner Occupied Household Size2.49
Average Family Size2.99
Total Housing Units4515

Marysville, MI Home Insurance Rates Review

One of the more common questions that come up when discussing rates with homeowners in Marysville, MI is "What's the average premium for homeowners?" In other words, what does everyone else pay compared to your monthly or annual home insurance bill. The answer is easy, for homeowners living in Marysville, you will find a range from $509 per year as the cheaper option on up to $1,059/yr. as the more expensive option. Homeowners sometimes due pay a less expensive rate only because the home is less of a risk to insure. For example, you will have a much more affordable home insurance premium if your home is smaller because the replacement cost value is less than a much larger home where the cost to replace is much more expensive. The national average for homeowners nationwide is $1311 per year. In order to gain an understanding of how your rate will be compiled, we have listed a few helpful resources to help you understand replacement cost value, home insurance credits and home features that help discount your premium.

Top 5 Helpful Saving Resources

  1. FAQ: What is a Marysville, MI Homeowners Insurance Policy?
  2. FAQ: What does a replacement cost coverage and actual cash value mean for my home in Marysville, MI?
  3. This home insurance calculator will calculate your dwelling coverage for your home in Marysville, MI so you know what type of home insurance coverage you need to cover your replacement cost.
  4. Here are the top five homeowners insurance discounts that you may not be aware of in Michigan
  5. Installing smoke detectors, a security system and getting the same home and auto policy with the same carrier is a good start but to really kick-start your home insurance savings you have to dig a bit deeper. Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Marysville, MI!

Enter your Zip Code:    

Get up to 12 competitive Marysville, MI homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Marysville, MI rates all in one place!

Average Rates Nearby Marysville

Are you looking for homeowners insurance in a city near Marysville? 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 Marysville, MI

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

48040,     

Marysville, MI Home Insurance Average Premiums

Local Marysville, MI home insurance quotes comparison

$509 /yr.

Shows Marysville's lowest average rates with discounts applied.

For the city of Marysville, 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.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$509 /yr.
Average Coverage:$759 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1059 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Marysville is around $759 per year.

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

  • • Homeowners in Marysville pay an average cost per month around $63.00 for insurance coverage.

Marysville, MI - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $208,735 $198,509
February $209,376 $201,040
March $210,607 $204,260
April $211,902 $207,042

Homeowners insurance will help cover the cost to repair or replace your Marysville 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:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Marysville
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Marysville, MI homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Marysville, MI rates all in one place!

Saving Money Tips on Marysville Home Insurance

A great way to save money on Marysville 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:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

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

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
606 ft. This is the average home elevation in Marysville, MI

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Michigan flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Marysville, 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 Saint Clair County.

Michigan Homeowners Insurance News & Information

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

Marysville, MI Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Marysville 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 Marysville, MI?

- The average square footage in Marysville is around 1,012 Sq. Ft. which would cost you around $133,600 to replace the home if you base the home on the price to build per square foot of $132.

Minimum Replacement Cost Total: $133,600

Location: Marysville, Michigan (Saint Clair County)

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

Average Square Footage in Marysville: 1,012 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$132$133,600
Some Additional Upgrades$165$167,000
Major Home Updates or Advancements$198$200,400

The dwelling coverage is calculated by the average cost per square foot ($132) in Marysville, 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.