Laurent Insurance Group
13215 S. Old US Highway 27, DeWitt, MI 48820
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13215 S. Old US Highway 27, DeWitt, MI 48820
View this agency's profile to learn more about their services.
13215 S. Old U.S. 27, DeWitt, MI 48820
View this agency's profile to learn more about their services.
110 S Bridge Street, Ste 1A, DeWitt, MI 48820
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Learn about insurance coverage options specific to Dewitt residents.
DeWitt home insurance averages $2,195-$2,607/year—37% below national rates. Learn about tornado risks, rate factors, and savings for newer homes.
General Insurance EducationComplete insurance guide for DeWitt, MI covering Michigan's unique auto requirements, home coverage for rising property values, and weather risks.
Car InsuranceDeWitt, Michigan auto insurance guide: understand no-fault PIP options, 50/100/10 requirements, and how Clinton County drivers save on coverage in 2025.
DeWitt homeowners typically pay between $2,195 and $2,607 annually for home insurance, which translates to $183 to $217 per month. This is about 37% less than the national average, though rates increased significantly (57%) from 2024 to 2025. Your actual cost depends on your home's age, your credit score, claims history, and coverage limits.
Yes, standard home insurance policies cover tornado damage to your home and belongings. This is important given that Michigan experienced 33 confirmed tornadoes in 2025, with warnings issued for Ingham County where DeWitt is located. However, you'll need separate flood insurance if tornadoes cause flooding, as standard policies exclude flood damage.
Yes, filing claims increases your premium in Michigan. One claim raises your annual rate by an average of $349, while two claims increase it by $643. Claims stay on your record for five years, so that single filing from 2022 still affects what you pay today. This is why many homeowners pay for minor repairs out of pocket rather than filing.
Your credit score has a massive impact on Michigan home insurance rates. Homeowners with excellent credit pay an average of $2,329 annually, while those with poor credit pay $4,638—nearly double. This is one of the most controllable factors in your premium, making credit improvement one of the best ways to lower your insurance costs.
Most DeWitt homeowners don't need flood insurance since Clinton County isn't considered high-risk compared to southeastern Michigan. However, if your home is near the Looking Glass River or in a low-lying area, it's worth investigating. Standard home insurance doesn't cover flooding from heavy rain, so you'd need a separate policy through the National Flood Insurance Program or a private insurer.
Yes, significantly cheaper. Homes built in 2024 cost over $900 less annually to insure compared to homes from the 1950s-1980s (which average around $2,500 per year). Newer construction meets modern building codes, has updated electrical and plumbing systems, and uses more durable materials—all of which reduce insurance risk and lower your premium.
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