Gavop's guide to buying homeowners insurance in Swartz Creek, MI covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $55,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $148,000 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $138,000 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $254,500 | $220,000 | $200,000-$250,000 |
| 5 Bedroom | $395,000 | $350,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$103 | $581 |
| Superior Protection Discount | -$68 | $615 |
| Fire & Security Discount | -$68 | $615 |
| Hail Resistant Roof Discount | -$21 | $663 |
| Newly Constructed Home Discount | -$191 | $492 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,464 |
| Hail Damage | $4,665 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $16,553 |
| Home Insurance Company Swartz Creek, MI | Homeowners Insurance Agency Swartz Creek, MI | Address | Popularity Score | Distance from Swartz Creek (miles) |
|---|---|---|---|---|
| State Farm | Dawn Pullis | 89 W South Blvd Ste 300, Troy, MI, 48085-1600 | 42.0 | |
| Liberty Mutual Independent | Bergstrom Insurance Agency | 30701 W 10 Mile Rd Ste 400, Farmington Hills, MI, 48336 | 41.5 | |
| Allstate | Justin Savage | 1660 Haslett Rd Ste 3, Haslett, MI, 48840 | 33.8 | |
| State Farm | Mimmo Vitale | 909 E Eleven Mile Rd, Royal Oak, MI, 48067 | 47.7 | |
| Liberty Mutual Independent | Complete Insurance Services Inc | 1717 Cass Lake Rd, Keego Harbor, MI, 48320 | 34.0 | |
| Allstate | Frank Kimmel | 1322 Walton Blvd, Rochester Hills, MI, 48309 | 38.9 | |
| State Farm | Nancy Spencer | 1033 Novi Rd, Northville, MI, 48167-1156 | 40.0 | |
| Farmers | Jeff Ashton | 880 Fralick St, Plymouth, MI, 48170 | 44.5 | |
| State Farm | Dan Krause | 1274 W Auburn Road, Rochester Hills, MI, 48309-3632 | 40.5 | |
| Allstate | Daniel Sauer | 1595 S Opdyke Rd, Bloomfield Hills, MI, 48304 | 37.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $550 | $1,070 | $520 |
| Genesee County, MI | $96,500 | $694 | $480 | $960 | $480 |
| Swartz Creek, MI | $108,700 | $684 | $490 | $980 | $490 |
| Genesee County, MI | $96,500 | $694 | $460 | $950 | $490 |
| Richfield, MI | $130,300 | $644 | $460 | $910 | $450 |
| Ovid, MI | $119,000 | $750 | $550 | $1,040 | $490 |
| Thomas, MI | $133,700 | $648 | $440 | $930 | $490 |
| Bloomfield charter, MI | $385,400 | $941 | $640 | $1,310 | $670 |
| Alaiedon, MI | $199,900 | $859 | $580 | $1,210 | $630 |
| Lansing charter, MI | $100,700 | $671 | $460 | $960 | $500 |
| Lathrup Village, MI | $168,800 | $818 | $600 | $1,170 | $570 |
| Leslie, MI | $147,700 | $791 | $570 | $1,120 | $550 |
| Westland, MI | $105,400 | $708 | $500 | $1,010 | $510 |