Gavop shows you how to buy homeowners insurance in Union charter, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $52,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $112,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $201,000 | $190,000 | $150,000-$175,000 |
| 4 Bedroom | $321,000 | $290,000 | $350,000-$400,000 |
| 5 Bedroom | $403,000 | $360,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $530 |
| Superior Protection Discount | -$58 | $588 |
| Fire & Security Discount | -$45 | $601 |
| Hail Resistant Roof Discount | -$19 | $627 |
| Newly Constructed Home Discount | -$168 | $478 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Isabella County | $700 | $732 | $1,432 | $532 | $1,232 | $200 |
| Union charter, MI | $2,500 | $638 | $3,138 | $464 | $2,964 | $174 |
| Coleman, MI | $300 | $653 | $953 | $475 | $775 | $178 |
| Midland charter, MI | $1,500 | $739 | $2,239 | $537 | $2,037 | $202 |
| Hay, MI | $400 | $694 | $1,094 | $504 | $904 | $190 |
| Spencer, MI | $1,000 | $745 | $1,745 | $541 | $1,541 | $204 |
| Monitor charter, MI | $400 | $641 | $1,041 | $466 | $866 | $175 |
| St. Johns, MI | $1,500 | $694 | $2,194 | $504 | $2,004 | $190 |
| Riverside, MI | $400 | $782 | $1,182 | $569 | $969 | $214 |
| McBain, MI | $2,000 | $699 | $2,699 | $508 | $2,508 | $191 |
| Portland, MI | $200 | $737 | $937 | $536 | $736 | $201 |
| Owosso charter, MI | $1,500 | $736 | $2,236 | $535 | $2,035 | $201 |
| Home Insurance Company Union charter, MI | Homeowners Insurance Agency Union charter, MI | Address | Popularity Score | Distance from Union charter (miles) |
|---|---|---|---|---|
| Allstate | Jason Smits | 65 S Main St Ste 101, Rockford, MI, 49341 | 49.0 | |
| State Farm | Tim Boychuck | 967 S Saginaw Rd, Midland, MI, 48640-4665 | 30.1 | |
| Liberty Mutual Independent | Heritage Wise Group | 6660 Gratiot Rd, Saginaw, MI, 48609 | 40.2 | |
| State Farm | Aaron Lang | 4713 State Street, Saginaw, MI, 48603-3808 | 41.7 | |
| State Farm | Tom Wilcox | 117 N Division St, Carson City, MI, 48811 | 27.5 | |
| State Farm | Jenni Pattillo | 1810 W Washington St Ste 1a, Greenville, MI, 48838-2629 | 36.1 | |
| Allstate | Chris Tyler | 180 Kent St, Portland, MI, 48875 | 48.9 | |
| State Farm | Marc Debusschere | 211 S Main St Ste A, Chesaning, MI, 48616-1534 | 44.8 | |
| Allstate | Lisa Jankoska | 2135 N Center Rd, Saginaw, MI, 48603 | 41.4 | |
| State Farm | Howard Szaroletta | 3741 Tittabawassee Rd Ste B, Saginaw, MI, 48604-8208 | 42.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,100 | $540 |
| Isabella County, MI | $128,400 | $741 | $500 | $1,020 | $520 |
| Union charter, MI | $131,800 | $646 | $450 | $900 | $450 |
| Coleman, MI | $67,100 | $661 | $480 | $920 | $440 |
| Midland charter, MI | $117,600 | $748 | $510 | $1,030 | $520 |
| Hay, MI | $89,100 | $702 | $470 | $1,000 | $530 |
| Spencer, MI | $121,300 | $754 | $540 | $1,080 | $540 |
| Monitor charter, MI | $134,300 | $648 | $430 | $900 | $470 |
| St. Johns, MI | $121,900 | $702 | $480 | $1,000 | $520 |
| Riverside, MI | $148,700 | $792 | $550 | $1,090 | $540 |
| McBain, MI | $92,000 | $707 | $510 | $980 | $470 |
| Portland, MI | $116,200 | $746 | $540 | $1,070 | $530 |
| Owosso charter, MI | $115,300 | $745 | $540 | $1,030 | $490 |