Gavop tells you how to get the best homeowners insurance in Richmond, MI by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Richmond, 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 | |
| Joewood Dr, Pheasant Ridge, Monroe St, Richwood Ln, Gleason St, Pine Valley, Pound Rd, Lenon St, Deer Run, Beier St | $209,000 | $190,000 | $250,000-$300,000 | $118,500 | $100,000 | $100,000-$125,000 |
| Meadowlark Ln, Mourning Dove, Emma Dr, Applewood St, Water St, Willow Ln, Stoecker Ln, Diane Ln, Partridge Cir, Windswept Pointe | $117,500 | $100,000 | $75,000-$100,000 | $147,000 | $140,000 | $125,000-$150,000 |
| Pierce St, Cherry Hill Ln, Ivy Cir, Birchwood, Karen St, Golden Oak Ln, Mary St, Stone St, Lakeview Ln, Dow St | $138,500 | $130,000 | $150,000-$175,000 | $112,500 | $100,000 | $100,000-$125,000 |
| Bauman St, Leelane Ct, Festival Dr, Clarkston Ln, Hummingbird Ln, Gierk St, Lorra Ct, Apple Blossom Ln, Pierce Dr, Natures Way | $140,500 | $130,000 | $125,000-$150,000 | $130,000 | $120,000 | $100,000-$125,000 |
| Arbor Ct, Circle Ln, Bramblewood Dr, Sunny Brook Ln, Rosewood Ln, Seymour St, Priestap St, Lake Angela Pointe, Bernard Dr, Swan Creek Blvd | $161,500 | $130,000 | $125,000-$150,000 | $103,000 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $569 |
| Superior Protection Discount | -$68 | $609 |
| Fire & Security Discount | -$54 | $623 |
| Hail Resistant Roof Discount | -$20 | $657 |
| Newly Constructed Home Discount | -$156 | $521 |
| 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 |
| Macomb County | $1,000 | $756 | $1,756 | $550 | $1,550 | $207 |
| Richmond, MI | $2,000 | $669 | $2,669 | $486 | $2,486 | $183 |
| Lenox, MI | $500 | $660 | $1,160 | $479 | $979 | $180 |
| Imlay City, MI | $1,000 | $697 | $1,697 | $506 | $1,506 | $190 |
| Burtchville, MI | $200 | $742 | $942 | $539 | $739 | $203 |
| Bloomfield charter, MI | $700 | $930 | $1,630 | $676 | $1,376 | $254 |
| Brandon charter, MI | $300 | $715 | $1,015 | $519 | $819 | $195 |
| Oakland County, MI | $1,000 | $837 | $1,837 | $608 | $1,608 | $229 |
| Flynn, MI | $200 | $732 | $932 | $532 | $732 | $200 |
| Allen Park, MI | $1,000 | $675 | $1,675 | $491 | $1,491 | $185 |
| Burton, MI | $100 | $631 | $731 | $459 | $559 | $173 |
| Lyon charter, MI | $1,000 | $861 | $1,861 | $626 | $1,626 | $235 |
| Home Insurance Company Richmond, MI | Homeowners Insurance Agency Richmond, MI | Address | Popularity Score | Distance from Richmond (miles) |
|---|---|---|---|---|
| Allstate | John Ivkov | 42770 Van Dyke Ave, Sterling Heights, MI, 48314 | 19.9 | |
| Allstate | Terri Megge | 35409 Jefferson Ave, Harrison Township, MI, 48045 | 18.4 | |
| Liberty Mutual Independent | Morris Insurance Group | 22440 Hall Road Township, Clinton, MI, 48036 | 14.3 | |
| Allstate | Sam Sweiss | 11465 26 Mile Rd, Washington, MI, 48094 | 15.2 | |
| Allstate | John Kunz | 35220 23 Mile Rd, New Baltimore, MI, 48047 | 9.3 | |
| Allstate | David Wagner | 52947 Gratiot Ave, Chesterfield, MI, 48051 | 9.2 | |
| Allstate | James Lafranca | 29930 23 Mile Rd, Chesterfield, MI, 48047 | 9.8 | |
| State Farm | Bill Nettle | 6447 Rochester Rd, Troy, MI, 48085-1306 | 23.5 | |
| State Farm | Jeremy Yarbrough | 130 S Main St, Almont, MI, 48003-1066 | 16.7 | |
| State Farm | Jill Mostek | 30050 23 Mile Rd, Chesterfield, MI, 48047-5718 | 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 |
| Macomb County, MI | $146,700 | $765 | $560 | $1,060 | $500 |
| Richmond, MI | $159,200 | $677 | $490 | $930 | $440 |
| Lenox, MI | $150,900 | $668 | $450 | $930 | $480 |
| Imlay City, MI | $90,800 | $705 | $510 | $980 | $470 |
| Burtchville, MI | $119,700 | $751 | $510 | $1,040 | $530 |
| Bloomfield charter, MI | $385,400 | $941 | $670 | $1,290 | $620 |
| Brandon charter, MI | $201,300 | $723 | $500 | $1,030 | $530 |
| Oakland County, MI | $209,800 | $847 | $610 | $1,170 | $560 |
| Flynn, MI | $112,500 | $741 | $530 | $1,020 | $490 |
| Allen Park, MI | $108,900 | $684 | $460 | $950 | $490 |
| Burton, MI | $80,500 | $639 | $430 | $910 | $480 |
| Lyon charter, MI | $300,100 | $872 | $580 | $1,250 | $670 |