Al Bourdeau Insurance Agency
3835 Davison Road, Flint, MI 48506
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3835 Davison Road, Flint, MI 48506
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1063 W Hill Rd, Flint, MI 48507
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G-6235 Corunna Rd, Suite H, Flint, MI 48532
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6235 Corunna Rd, Ste G, Flint, MI 48532
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4508 Beecher Rd, Flint, MI 48532
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4317 Huckleberry Lane, Flint, MI 48507
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6045 Corunna Rd, Suite B, Flint, MI 48532
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G-3526 Miller Rd, Flint, MI 48507
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6045 Corunna Rd, Suite B, Flint, MI 48532
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Learn about insurance coverage options specific to Flint residents.
Flint homeowners pay $2,170/year for insurance. Learn what's covered for winter storms, flood risks, and how to protect your affordable Flint home.
General Insurance EducationNavigate Flint's insurance landscape with our complete guide covering auto, home, and renters insurance. Learn about Michigan's no-fault system and save money.
Car InsuranceFlint drivers pay $3,171/year for car insurance. Learn what drives Michigan's no-fault costs and how to find affordable coverage in Vehicle City.
Car InsuranceFlint drivers pay $3,171/year on average. Learn about Michigan's no-fault system, PIP options, and how to save on car insurance in Vehicle City.
Flint homeowners pay an average of about $2,170 annually for home insurance, or roughly $181 per month. This is slightly above Michigan's state average of $2,092, primarily due to weather-related risks and local factors like older housing stock and proximity to flood zones. Your actual cost depends on your home's value, age, condition, coverage limits, and deductible.
Yes, standard home insurance policies cover most winter storm damage including wind damage, roof collapse from snow and ice weight, burst pipes from freezing, and ice dam damage. However, damage from power outages is only covered if the outage was caused by a covered peril like wind or ice damaging power lines. Flood damage always requires a separate flood insurance policy.
It depends on your location. FEMA flood maps show moderate flood risk for many Flint properties, especially near the Flint River. Standard home insurance never covers flooding, so if you're in a flood-prone area, a separate flood policy is essential. Even if your mortgage doesn't require it, flood insurance is worth considering given the proximity to the river and potential drainage issues in older neighborhoods.
Michigan law doesn't require home insurance, but mortgage lenders require it as part of your loan agreement, and you must maintain coverage for the life of the loan. If you've paid off your mortgage or bought your home with cash, you're not legally required to have insurance, but going uninsured leaves you financially vulnerable to disasters like fires, storms, or liability claims.
Several strategies can reduce your premiums: bundle home and auto insurance with the same carrier, increase your deductible (but keep it affordable), install security systems or update your roof and electrical systems, maintain a claim-free record, and ask about all available discounts. Preventing claims by maintaining your home—especially winterizing to avoid freeze damage—also helps keep rates manageable over time.
Your dwelling coverage should reflect the cost to rebuild your home, not its market value. While Flint home values are affordable (median around $49,000-$119,000), rebuild costs depend on square footage, materials, and labor rates. Many older Flint homes have unique architectural features that cost more to replace. Work with your insurer to calculate accurate replacement costs, especially if you've renovated or improved your property.
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