Gavop's guide to buying homeowners insurance in Coldwater, 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 | $36,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $77,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $129,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $187,000 | $180,000 | $175,000-$200,000 |
| 5 Bedroom | $147,000 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $545 |
| Superior Protection Discount | -$58 | $583 |
| Fire & Security Discount | -$64 | $577 |
| Hail Resistant Roof Discount | -$13 | $628 |
| Newly Constructed Home Discount | -$167 | $474 |
| 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 |
| Branch County | $1,500 | $687 | $2,187 | $499 | $1,999 | $188 |
| Coldwater, MI | $2,500 | $633 | $3,133 | $460 | $2,960 | $173 |
| Leroy, MI | $500 | $779 | $1,279 | $566 | $1,066 | $213 |
| Emmett charter, MI | $1,000 | $633 | $1,633 | $460 | $1,460 | $173 |
| Brady, MI | $100 | $823 | $923 | $598 | $698 | $225 |
| Kunkle, OH | $1,000 | $630 | $1,630 | $458 | $1,458 | $172 |
| Cement City, MI | $100 | $651 | $751 | $473 | $573 | $178 |
| Rome City, IN | $2,000 | $985 | $2,985 | $716 | $2,716 | $269 |
| Avilla, IN | $300 | $773 | $1,073 | $561 | $861 | $211 |
| Cambridge, MI | $1,000 | $678 | $1,678 | $493 | $1,493 | $185 |
| Norvell, MI | $300 | $801 | $1,101 | $582 | $882 | $219 |
| Goshen, IN | $1,500 | $755 | $2,255 | $549 | $2,049 | $206 |
| Home Insurance Company Coldwater, MI | Homeowners Insurance Agency Coldwater, MI | Address | Popularity Score | Distance from Coldwater (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | The Craft Agency Inc | 2533 Spring Arbor Rd., Jackson, MI, 49203 | 34.9 | |
| Liberty Mutual Independent | Adrian Insurance Agency Inc | 110 N Main St, Adrian, MI, 49221 | 49.8 | |
| State Farm | Kevin Winter | 954 W Monroe St, Jackson, MI, 49202-2065 | 37.0 | |
| State Farm | Tom Rossi | 5929 Portage Rd, Portage, MI, 49002-1726 | 35.0 | |
| State Farm | Ted Kiesling | 4225 W Main St Ste C, Kalamazoo, MI, 49006-2750 | 41.0 | |
| State Farm | Bill Pavka | 102 S Howell St, Hillsdale, MI, 49242-2051 | 19.1 | |
| State Farm | Dale Robert | 6608 Brooklyn Rd, Jackson, MI, 49201-9227 | 40.9 | |
| State Farm | Bill Schlotman | 215 W Main St, Hudson, MI, 49247-1001 | 33.9 | |
| State Farm | Greg Elliott | 3074 W Beecher Rd, Adrian, MI, 49221-9702 | 47.4 | |
| State Farm | Allen Slater | 123 E Maple Ave, Adrian, MI, 49221-2165 | 49.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,080 | $520 |
| Branch County, MI | $97,700 | $695 | $470 | $960 | $490 |
| Coldwater, MI | $82,000 | $641 | $440 | $880 | $440 |
| Leroy, MI | $145,800 | $788 | $570 | $1,110 | $540 |
| Emmett charter, MI | $127,800 | $641 | $440 | $880 | $440 |
| Brady, MI | $180,100 | $833 | $570 | $1,180 | $610 |
| Kunkle, OH | $105,000 | $638 | $470 | $910 | $440 |
| Cement City, MI | $66,300 | $659 | $450 | $930 | $480 |
| Rome City, IN | $193,800 | $997 | $670 | $1,430 | $760 |
| Avilla, IN | $109,400 | $782 | $560 | $1,110 | $550 |
| Cambridge, MI | $168,000 | $686 | $490 | $950 | $460 |
| Norvell, MI | $163,100 | $811 | $590 | $1,130 | $540 |
| Goshen, IN | $111,000 | $764 | $530 | $1,090 | $560 |