Kerndt Brothers Insurance Agency
380 Main St, Lansing, IA 52151
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380 Main St, Lansing, IA 52151
View this agency's profile to learn more about their services.
380 Main St, Lansing, IA 52151
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lansing residents.
Lansing home insurance costs $1,800-$2,500/year. Learn about flood risks from Grand River, winter coverage, and what your policy includes.
Car InsuranceLansing auto insurance averages $153/month. Learn about Michigan's no-fault system, unlimited PIP, and 50/100/10 minimums for I-96 and US-127 commuters.
General Insurance EducationComplete insurance guide for Lansing, MI residents. Learn about Michigan's no-fault auto insurance, homeowners coverage, flood protection, and life insurance.
No, standard homeowners insurance does not cover flood damage from rivers, heavy rain, or snowmelt. You need separate federal flood insurance through the National Flood Insurance Program, which takes 30 days to activate after purchase. Even if you're not in a designated flood zone, flood coverage is worth considering given Lansing's location between two major rivers.
Most Lansing homeowners pay between $1,800 and $2,500 annually for home insurance, with East Lansing residents facing higher premiums around $2,567 per year. Your actual cost depends on your home's age, construction type, coverage limits, deductible, credit score, and claims history. Premiums have increased 10-20% year-over-year in the Lansing area.
Yes, frozen pipe damage and ice dam leaks are typically covered by standard home insurance, but there's a catch—you must have taken reasonable steps to prevent the damage. This means maintaining proper heating, insulating exposed pipes, and performing regular home maintenance. If the damage results from negligence, like leaving your home unheated in winter, your claim may be denied.
Michigan law does not require homeowners insurance. However, if you have a mortgage—which most homeowners do—your lender will require you to carry insurance for the life of the loan. If your policy lapses, your lender can force-place coverage at a much higher cost and add it to your mortgage payment.
Standard policies exclude flood damage, earthquake damage, and typically sewer backup (unless you add an endorsement). They also won't cover damage from lack of maintenance, normal wear and tear, or intentional damage. If you want protection for floods or sewer backups—both real risks in Lansing—you'll need to purchase additional coverage separately.
Bundle your home and auto insurance for 15-25% discounts, increase your deductible to $1,000 or higher, install monitored security systems and smoke detectors, and maintain good credit. Ask about discounts for being claims-free, over 55, or a long-term customer. Shopping around every few years ensures you're getting competitive rates as your circumstances change.
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