A budget for your home expenses will need to include the average cost of home insurance. The amount you’ll pay for homeowners insurance is based on a combination of factors concerning the insurance type, home characteristics and your personal insurance history.
To help you get a better understanding of what goes into the average cost of home insurance, here are the basics:
Several aspects of your home can determine the cost of your homeowners insurance. Some examples of these factors include location, age and condition. Houses in certain areas prone to extreme weather or other potentially damaging conditions pose more risk to the insurer and may incur a higher premium. Similarly, older homes may be more expensive to repair if damaged.
Even among standard insurance policies, you often have choices that can determine your overall cost. These options include:
There are more factors that can go into your average home insurance cost, such as your credit score and personal claims history. Other factors related to your home and location may have an impact as well. Some examples include home security systems, pools, roof type and proximity to the local fire department.
Discussing with a provider is the best way to find out the exact amount you’ll need to pay in home insurance. The more you learn about your insurance coverage, the better financial decisions you can make in budgeting for your new home.
Having provided award-winning service to my clients for the past 26 years, few other REALTORS are trusted like I am. My clients trust my advice, and they know that I will always look out for their best long-term interests. You can expect, and you will receive, personal service that is second to none. When you hire me as your Agent, you will work exclusively with me. I will personally answer your calls and respond to your messages. My promise to you is that I will not hand you off to another member of my team.
I have called Southwest Michigan home for 40 years. My mother's family ran a local locksmith service, and my father served as the Chief Investigator for the County's Prosecutor and Director of Security for the Whirlpool Corporation office for many years. I love all that this area offers, and I enjoy serving the buyers and sellers who are moving in or out of
Southwest Michigan.
My wife and I have two children, and we would not want to raise them anywhere else. Between the award-winning schools and the plethora of youth activities available in Southwest Michigan, it's a great place to call home. We enjoy spending time with friends at the beach, boating, golfing, hunting, skiing in the North, and fishing.
I give back to the community that has been so good to us. Currently, I serve on the Lakeshore Public Schools Foundation Board (LEF), as Past President of the St. Joe Kickers Sports Club, and as a Rotarian in the Stevensville-Lakeshore Rotary
Club. We donate throughout the year to various local organizations, schools, Fine Arts Programs, and youth sports groups.
I want to leverage my experience and knowledge to benefit you. I have sold over 700 properties and earned the respect of my fellow REALTORS, who have voted me "REALTOR of the Year." I am confident I can earn your trust as well.
Looking to buy, sell, or invest in real estate? Allow me to serve you, and I promise you will not be disappointed.