Karcher Agency Inc
23498 Michigan Ave, Dearborn, MI 48124
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Dearborn households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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23498 Michigan Ave, Dearborn, MI 48124
View this agency's profile to learn more about their services.
5506 Schaefer Rd, Dearborn, MI 48126
View this agency's profile to learn more about their services.
22691 Michigan Ave, Dearborn, MI 48124
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Dearborn residents.
Dearborn home insurance averages $2,082/year. Learn about flood risks, historic home coverage, and savings tips for Michigan's unique housing market.
Car InsuranceDearborn drivers pay $5,147/year average. Learn Michigan's no-fault PIP options, required coverage, and how to save on Wayne County auto insurance.
Yes, especially given Dearborn's history of severe flooding. Standard home insurance doesn't cover flood damage at all. With storms dropping 5-7 inches of rain in recent years and climate change increasing rainfall intensity by 25% since 1970, separate flood insurance through FEMA or a private insurer is essential. Also add a sewer backup endorsement to your homeowners policy for additional protection when sewers overflow.
Older homes cost more to insure because they're more expensive to repair or replace. The average Dearborn home was built in the 1950s, and many homes in the historic Ford Homes District date to 1919-1920. These properties often have outdated electrical, plumbing, and heating systems that increase risk. Historic homes also require period-appropriate materials and craftsmanship for proper rebuilding, which significantly increases replacement costs.
Dearborn's average home insurance cost is about $2,082 annually, which is $32 below Michigan's state average of $2,114. However, Wayne County as a whole has Michigan's highest rates at $3,084 per year. Rates have increased dramatically—up 57% from November 2024 to November 2025—so your actual premium depends heavily on your home's age, value, and location within Dearborn.
Replacement cost coverage pays to rebuild or repair your home without factoring in depreciation. Actual cash value deducts depreciation, so you get less money based on your home's age and condition. For Dearborn's older homes—especially historic properties—guaranteed replacement cost coverage is critical because it covers rebuilding costs even if they exceed your coverage limit, ensuring you can restore period architecture properly.
No, Michigan doesn't legally require homeowners insurance like it does auto insurance. However, mortgage lenders require coverage to protect their financial interest in your property. If you have a mortgage, you must maintain adequate insurance or your lender will purchase a policy and charge you for it. HOAs and land contracts may also require coverage even without a traditional mortgage.
Installing a sump pump with battery backup can earn discounts and is specifically recommended by the City of Dearborn for flood prevention. Adding sewer check valves prevents sewage backup during storms. Updating your roof, electrical system, plumbing, or heating system reduces risk and can lower premiums. Bundling home and auto insurance typically saves 15-25%, and raising your deductible from $500 to $1,000-$2,500 can significantly reduce your annual cost.
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