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Roscommon County, MI Homeowners Insurance Quotes

Getting afforable home insurance coverage in Roscommon County can sometimes be difficult with so many options available from local captive agents like State Farm and Allstate to the online comparison marketplace. It is important to know that getting the right coverage means doing the necessary research or speaking with a Michigan home insurance professional that can help you find the coverage you need. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the best insurance carriers available locally. It's important for you to know the coverage options available for your home in Roscommon County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current policy. Shopping online for Roscommon County home insurance rates is free and easy to use.

Michigan home insurance rates are on the rise and seem to increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Roscommon County is ranked lower in the nation with an average annual premium of $1002 per year. When comparing home insurance cost and coverage options, it's important to understand that the base premium for basic HO-3 policy may look great in terms of affordability, but maybe lacking the protectiong you need when you need a home insurance provider. Take advantage of our enhanced coverage options and let us help you easily shop better rates today!

For all Roscommon 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.


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Roscommon County, MI Housing Demographics

With 24,449 residents living within the Roscommon County area there are over 24,459 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 7,172 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 Roscommon County.

DemographicValues
Total Occupied Households11,433
Family Households (families)7,172
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units24,459

Roscommon County, MI Coastal Wind, Hail & Flood Information

For all homeowners living in Roscommon County (FIPS: 26143), 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 Roscommon County, MI, it's important that you look into hurricane and windstorm insurance options.

Roscommon County, MI Home Insurance Average Premiums

Local Roscommon, 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.

Roscommon County, MI Coastal Wind, Hail & Flood Information

Roscommon 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.

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 Roscommon 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 Roscommon 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 Roscommon 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 Roscommon 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.

Roscommon County Housing & Real Estate Data

Details:Statistics
Total Housing Units24459
Occupied Housing Units11433
Vacant Housing Units13026
Vacant Housing Units for Rent401
Vacant Housing Units Rented Not Occupied35
Vacant Housing Units For Sale512
Vacant Housing Units Sold Not Occupied58
Vacant Housing Units For Seasonal Occasional Use11447
Vacant Housing Units All Other Vacants573
Housing Units Homeowner Vacancy Rate Percent5
Housing Units Rental Vacancy Rate Percent17
Housing Tenure Occupied Units11433
Housing Tenure Occupied Units Owner Occupied9464
Housing Tenure Occupied Units Owner Occupied Population19936
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied1969
Housing Tenure Occupied Units Renter Occupied Population4236
Housing Tenure Occupied Units Renter Occupied Average Household Size2