Home Insurance in Detroit

Secure your home and property with home insurance in Detroit.
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Financially Secure Your Home With Home Insurance

Known as The Motor City, Detroit is home to more than 600,000 residents. More than one million jobs in the auto industry keep these residents employed and settled in the area, but there are risks to owning a home in Detroit. With VIU by HUB, you can easily compare quotes on home insurance in Detroit to find the best possible coverage.

Damage Risks to Your Property and Structure

Living in Detroit presents unique damage risks to your home and other structures on your property. Severe weather concerns include flooding during the spring, lightning and tornadoes during the summer months and freezing conditions with ice and snowfall during the winter. These events could trigger structural damage, leading to thousands in repair costs or total replacement of your home.

Loss of Personal Belongings and Financial Security

With home insurance in Detroit, you can also protect your belongings. The property crime rate in the area is higher than the national average, with residents more likely to be victims of larceny and burglary than others across the county. With these events, you can have financial peace of mind, as home insurance offers a way to address the loss of your belongings financially.

The Cost of Home Insurance in Detroit

Residents looking to purchase quality home insurance can use VIU by HUB to compare quotes among leading insurers, but the average cost of a policy is $2,327 a year. This is much higher than the national average of $1,820 a year as well as the state average. The crime rate in the area increases the costs of coverage, as does the susceptibility to severe storm damage.

Although the average home value is $64,206, the average salary for an auto worker is around $68,000 a year. Any unexpected damage to the home presents financial expenses that could devastate your financial security. Premiums for home insurance in Detroit are a small price to pay for peace of mind.

The Coverage Options for Home Insurance

The greatest risks facing Detroit residents are property crime, damage from severe weather and accidental fires. With the exception of flooding, many of the financial liabilities you face as a homeowner are covered by home insurance. Standard policies typically contain four types of coverage.

Structure of the Home

Under this element of the policy, repair to your home or the cost to rebuild it from a covered peril are met up to a certain limit. Covered perils generally include:

  • Fire
  • Lightening
  • Hail
  • Hurricane

Some policies may list additional covered perils and extend coverage to non-attached structures like a tool shed or garage.

Personal Belongings

In the event of the theft or destruction of your personal belongings, many companies cover from 50% to 70% of the insurance on the structure of the home. You would need to increase the coverage limits for expensive items like jewelry since payout limits exist.

Additional Living Expenses

When a covered peril makes your home inhabitable, this element of home insurance in Detroit will help cover meals, accommodations and other living expenses. The specific coverage is unique to each insurer.

Legal Liability Protection

You could face a lawsuit for property damage or bodily injury caused by one of your family members or the policyholder to other people. The liability protection helps with incidents that occur at home but also off your property. With an umbrella policy, you can expand your coverage limits as well as covered claims. VIU by HUB will show you the options for both standard and expanded coverage with home insurance in Detroit.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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