Gavop's guide to buying homeowners insurance in Delta County, 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.
| Delta County, MI - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| North Rd, 75th Dam 17 Rd, 25.75 Ln, Co 511 Twp Hall, N Oak Park .0 Dr, 27.75 Rd, 16.25 Rd, Marble 23.25 Ln, 25th St, 13th Rd | $133,500 | $130,000 | $100,000-$125,000 | $145,000 | $140,000 | $125,000-$150,000 |
| S Lincoln Rd, 18.3 Rd, Deerfield T Ln, Gooseneck Rd, 16th Rd, Ave C, 21st Rd, Marie L 45 Ln, Cliffs Dr, Ackly St | $113,000 | $100,000 | $100,000-$125,000 | $83,000 | $80,000 | $75,000-$100,000 |
| 13.7 1st Ave, Tamarack St, 9th Ave S, 23.6 Rd, 10th Ave N, 5th 15 Ln, Greenwood 18.12 Dr, Water Plant Rd, 13th Ln, 19.85 Ln | $153,500 | $150,000 | $150,000-$175,000 | $120,000 | $100,000 | $75,000-$100,000 |
| 20th Rd, St Nicholas 31st Rd, I Rd, 7th Ave N, Co Hwy Db, 26th Ave S, Weston Ave, R.9 Ln, S 20th St, 33 Rd | $107,500 | $100,000 | $75,000-$100,000 | $78,500 | $70,000 | $75,000-$100,000 |
| 21st St N, S 13th St, Weswood O.6 Dr, 11th Rd, Perkins 30.5 Rd, S 6th St, S 21st St, Delta Men C, Orchard 24th Ln, G Rd | $95,500 | $80,000 | $100,000-$125,000 | $111,000 | $90,000 | $75,000-$100,000 |
| State St, S 6th St, Eastpoint Rd, Basswood St, W 5 Rd, Grand Ave, Mm 5 Ln, 27.5 Rd, Whitney 19.8 Blvd, I Ln | $136,000 | $110,000 | $100,000-$125,000 | $71,500 | $70,000 | $50,000-$75,000 |
| Old M-35, 20th Rd, N O 1/10 Rd, K Rd, Ogden Ave, S 30th St, S 13th St, Melody Ln, 2224, Camp 7 Rd | $163,000 | $140,000 | $150,000-$175,000 | $77,000 | $70,000 | $75,000-$100,000 |
| 42.5 Rd, Sandy Ln, N 14th St, Gladstone Ave, 10th Rd, Oak Park 0, S 6th St, N 5th St, Gooseneck Lk Oo Ln, Co Rd I-26 | $117,000 | $100,000 | $125,000-$150,000 | $84,000 | $70,000 | $75,000-$100,000 |
| 25th Ave S, N Lake Bluff 0.5 Dr, Little Harbor Rd, Vans Harbor Rd, 30th St S, N 9th St, Cr440, Wahl R 55, 15th Rd, Bb Rd | $163,000 | $140,000 | $175,000-$200,000 | $108,500 | $90,000 | $75,000-$100,000 |
| Friday Q.1 Rd, V 25, Waterford Ave, B-5, Cedar St, 85th Fernwood 16 Dr, 14.5 Ln, 12th Rd, 3rd Ave W, S 9th | $160,000 | $130,000 | $125,000-$150,000 | $136,000 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $602 |
| Superior Protection Discount | -$71 | $637 |
| Fire & Security Discount | -$71 | $637 |
| Hail Resistant Roof Discount | -$21 | $687 |
| Newly Constructed Home Discount | -$205 | $503 |
| 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 |
| Delta County | $700 | $700 | $1,400 | $508 | $1,208 | $191 |
| Delta County, MI | $1,500 | $700 | $2,200 | $508 | $2,008 | $191 |
| Wells, MI | $200 | $773 | $973 | $561 | $761 | $211 |
| Bark River, MI | $700 | $744 | $1,444 | $541 | $1,241 | $203 |
| Harris, MI | $400 | $737 | $1,137 | $536 | $936 | $201 |
| Ewing, MI | $1,000 | $693 | $1,693 | $503 | $1,503 | $189 |
| Cedarville, MI | $200 | $768 | $968 | $558 | $758 | $210 |
| Spalding, MI | $1,500 | $705 | $2,205 | $513 | $2,013 | $193 |
| Menominee County, MI | $100 | $656 | $756 | $477 | $577 | $179 |
| Chatham, MI | $2,000 | $699 | $2,699 | $508 | $2,508 | $191 |
| Sister Bay, WI | $500 | $771 | $1,271 | $560 | $1,060 | $211 |
| Mellen, MI | $2,500 | $723 | $3,223 | $526 | $3,026 | $198 |
| Home Insurance Company Delta County, MI | Homeowners Insurance Agency Delta County, MI | Address | Popularity Score | Distance from Delta County (miles) |
|---|---|---|---|---|
| State Farm | Mike Sands | 331 N 30th St, Escanaba, MI, 49829-1381 | 9.9 | |
| State Farm | Dennis Olson | 2717 N Lincoln Rd, Escanaba, MI, 49829-9569 | 9.0 | |
| Travelers | Dzik Thomas Assoc Inc | 710 Main St, Norway, MI, 49870 | 48.6 | |
| Allstate | A Plus Ins Services | 2510 1st Ave N, Escanaba, MI, 49829 | 9.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $570 | $1,090 | $520 |
| Delta County, MI | $105,900 | $708 | $480 | $980 | $500 |
| Delta County, MI | $105,900 | $708 | $480 | $970 | $490 |
| Wells, MI | $141,500 | $782 | $520 | $1,110 | $590 |
| Bark River, MI | $120,800 | $753 | $540 | $1,070 | $530 |
| Harris, MI | $116,100 | $746 | $530 | $1,060 | $530 |
| Ewing, MI | $88,300 | $701 | $500 | $1,000 | $500 |
| Cedarville, MI | $137,500 | $777 | $570 | $1,070 | $500 |
| Spalding, MI | $95,800 | $714 | $510 | $980 | $470 |
| Menominee County, MI | $95,900 | $664 | $460 | $910 | $450 |
| Chatham, MI | $91,700 | $707 | $480 | $980 | $500 |
| Sister Bay, WI | $245,300 | $780 | $560 | $1,070 | $510 |
| Mellen, MI | $107,200 | $732 | $500 | $1,020 | $520 |