Gavop's guide to buying homeowners insurance in Cadillac, 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 | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $117,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $97,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $121,000 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $104,500 | $90,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$56 | $566 |
| Home and Two Car | -$100 | $523 |
| Home and Three Car | -$143 | $479 |
| 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 |
| Wexford County | $2,000 | $685 | $2,685 | $498 | $2,498 | $187 |
| Cadillac, MI | $2,000 | $615 | $2,615 | $447 | $2,447 | $168 |
| Evart, MI | $200 | $653 | $853 | $475 | $675 | $178 |
| Dickson, MI | $700 | $707 | $1,407 | $514 | $1,214 | $193 |
| South Boardman, MI | $300 | $691 | $991 | $502 | $802 | $189 |
| Freeman, MI | $1,500 | $693 | $2,193 | $503 | $2,003 | $189 |
| Orange, MI | $500 | $720 | $1,220 | $523 | $1,023 | $197 |
| Springdale, MI | $2,500 | $743 | $3,243 | $540 | $3,040 | $203 |
| Excelsior, MI | $300 | $713 | $1,013 | $518 | $818 | $195 |
| Hamilton, MI | $700 | $675 | $1,375 | $490 | $1,190 | $184 |
| Coldsprings, MI | $400 | $706 | $1,106 | $513 | $913 | $193 |
| Austin, MI | $1,500 | $736 | $2,236 | $535 | $2,035 | $201 |
| Home Insurance Company Cadillac, MI | Homeowners Insurance Agency Cadillac, MI | Address | Popularity Score | Distance from Cadillac (miles) |
|---|---|---|---|---|
| State Farm | Mark Goulder | 1011 N Mcewan St, Clare, MI, 48617-1201 | 43.6 | |
| Farmers | Sara Esiline | 211 Maple St, Big Rapids, MI, 49307 | 38.3 | |
| State Farm | Elizabeth Fortino | 1576 W Houghton Lk Dr, Prudenville, MI, 48651-9797 | 37.1 | |
| State Farm | Scott Vanderploeg | 400 N State St, Big Rapids, MI, 49307-1478 | 38.1 | |
| Liberty Mutual Independent | Gaylor Insurance Agency | 308 Lake St, Roscommon, MI, 48653 | 43.8 | |
| State Farm | Rich Sheldon | 217 E Todd Ave, Reed City, MI, 49677-1251 | 26.5 | |
| State Farm | Bill Scheible | 225 S State St, Big Rapids, MI, 49307-1758 | 38.5 | |
| State Farm | June Fisk | 600 W 7th St, Evart, MI, 49631-9408 | 25.3 | |
| State Farm | Lori Harrison | 101 E Cedar Ave, Gladwin, MI, 48624-2205 | 49.8 | |
| State Farm | Maury Irwin | 305 S Mcewan St, Clare, MI, 48617-1861 | 44.2 |
| 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 |
| Wexford County, MI | $96,500 | $694 | $460 | $980 | $520 |
| Cadillac, MI | $71,100 | $622 | $430 | $890 | $460 |
| Evart, MI | $67,100 | $661 | $440 | $940 | $500 |
| Dickson, MI | $97,000 | $716 | $520 | $980 | $460 |
| South Boardman, MI | $87,100 | $699 | $470 | $960 | $490 |
| Freeman, MI | $88,200 | $701 | $480 | $970 | $490 |
| Orange, MI | $104,900 | $729 | $520 | $1,040 | $520 |
| Springdale, MI | $120,300 | $752 | $530 | $1,070 | $540 |
| Excelsior, MI | $100,700 | $722 | $490 | $1,000 | $510 |
| Hamilton, MI | $78,600 | $683 | $470 | $960 | $490 |
| Coldsprings, MI | $96,600 | $715 | $480 | $990 | $510 |
| Austin, MI | $115,500 | $745 | $500 | $1,070 | $570 |