Gavop's guide to buying homeowners insurance in Commerce charter, 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 | $47,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $138,000 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $168,000 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $224,500 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $198,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $654 |
| Superior Protection Discount | -$68 | $692 |
| Fire & Security Discount | -$76 | $684 |
| Hail Resistant Roof Discount | -$23 | $737 |
| Newly Constructed Home Discount | -$198 | $563 |
| 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 |
| Oakland County | $2,500 | $837 | $3,337 | $608 | $3,108 | $229 |
| Commerce charter, MI | $2,500 | $751 | $3,251 | $546 | $3,046 | $205 |
| Rochester Hills, MI | $300 | $911 | $1,211 | $662 | $962 | $249 |
| Genoa, MI | $700 | $771 | $1,471 | $560 | $1,260 | $211 |
| Addison, MI | $200 | $826 | $1,026 | $600 | $800 | $226 |
| Taylor, MI | $2,000 | $659 | $2,659 | $479 | $2,479 | $180 |
| Ecorse, MI | $200 | $740 | $940 | $538 | $738 | $202 |
| Unadilla, MI | $1,000 | $820 | $1,820 | $596 | $1,596 | $224 |
| Burns, MI | $100 | $760 | $860 | $552 | $652 | $208 |
| Capac, MI | $2,000 | $669 | $2,669 | $486 | $2,486 | $183 |
| Stony Point, MI | $400 | $739 | $1,139 | $537 | $937 | $202 |
| South Monroe, MI | $700 | $731 | $1,431 | $531 | $1,231 | $200 |
| Home Insurance Company Commerce charter, MI | Homeowners Insurance Agency Commerce charter, MI | Address | Popularity Score | Distance from Commerce charter (miles) |
|---|---|---|---|---|
| Nationwide | Sheila Hughes Agency Inc | 32740 Grand River, Farmington, MI, 48336 | 10.0 | |
| State Farm | Michael Pikora | 10841 W 10 Mile Rd, Oak Park, MI, 48237-1745 | 17.9 | |
| State Farm | Mary Curran | 28151 Woodward Ave, Berkley, MI, 48072-0910 | 17.6 | |
| State Farm | Terrill Mayberry | 33622 Woodward Ave, Birmingham, MI, 48009-0910 | 15.1 | |
| Allstate | Ian Henson | 4568 W Walton Blvd Ste A, Waterford, MI, 48329 | 10.0 | |
| Liberty Mutual Independent | Griffin Smalley & Wilkerson | 37000 Grand River Ave, Farmington Hills, MI, 48335 | 8.4 | |
| Allstate | Karen S. Mcmurray | 6684 Dixie Hwy, Clarkston, MI, 48346 | 10.8 | |
| State Farm | Nancy Spencer | 1033 Novi Rd, Northville, MI, 48167-1156 | 9.1 | |
| Travelers | Al Bourdeau Insurance Agency | 30777 Northwestern Ste 201, Farmington Hills, MI, 48333 | 9.5 | |
| State Farm | Joan Warner | 23285 Farmington Rd, Farmington, MI, 48336-3101 | 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 | $530 | $1,090 | $560 |
| Oakland County, MI | $209,800 | $847 | $620 | $1,190 | $570 |
| Commerce charter, MI | $231,700 | $760 | $510 | $1,050 | $540 |
| Rochester Hills, MI | $264,400 | $923 | $660 | $1,260 | $600 |
| Genoa, MI | $246,500 | $780 | $530 | $1,110 | $580 |
| Addison, MI | $281,300 | $836 | $590 | $1,180 | $590 |
| Taylor, MI | $81,200 | $667 | $450 | $950 | $500 |
| Ecorse, MI | $37,900 | $749 | $500 | $1,060 | $560 |
| Unadilla, MI | $177,500 | $830 | $570 | $1,190 | $620 |
| Burns, MI | $132,000 | $769 | $530 | $1,090 | $560 |
| Capac, MI | $75,600 | $677 | $460 | $970 | $510 |
| Stony Point, MI | $117,100 | $748 | $520 | $1,070 | $550 |
| South Monroe, MI | $111,900 | $740 | $510 | $1,040 | $530 |