Gavop shows you how to buy homeowners insurance in Birmingham, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $103,500 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $193,500 | $160,000 | $200,000-$250,000 |
| 3 Bedroom | $217,500 | $190,000 | $250,000-$300,000 |
| 4 Bedroom | $462,000 | $420,000 | $400,000-$500,000 |
| 5 Bedroom | $598,500 | $500,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$177 | $805 |
| Superior Protection Discount | -$98 | $884 |
| Fire & Security Discount | -$88 | $894 |
| Hail Resistant Roof Discount | -$29 | $953 |
| Newly Constructed Home Discount | -$255 | $727 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,312 |
| Hail Damage | $5,533 |
| Wind Damage | $10,517 |
| Expensive Claims | |
| Fire | $36,771 |
| Accidental Discharge/Leakage | $8,366 |
| Optional Coverage Losses | $8,485 |
| Home Insurance Company Birmingham, MI | Homeowners Insurance Agency Birmingham, MI | Address | Popularity Score | Distance from Birmingham (miles) |
|---|---|---|---|---|
| Allstate | David Wagner | 5788 E 12 Mile Rd, Warren, MI, 48092 | 9.0 | |
| State Farm | Greg Root | 1845 N Opdyke Rd, Auburn Hills, MI, 48326-2661 | 8.7 | |
| Farmers | Gary Thibo | 1063 S State Rd Ste 9, Davison, MI, 48423 | 36.1 | |
| Allstate | John Kunz | 35220 23 Mile Rd, New Baltimore, MI, 48047 | 25.4 | |
| Allstate | Rebecca L. Rusak | 131 W 13 Mile Rd, Madison Heights, MI, 48071 | 5.8 | |
| Farmers | Richard Strauss | 21950 Woodward Ave, Ferndale, MI, 48220 | 7.7 | |
| Allstate | Shauna Johnson | 19562 Grand River Ave, Detroit, MI, 48223 | 9.5 | |
| Liberty Mutual Independent | Guy Hurley Blaser & Heuer Llc | 1080 Kirts Blvd Ste 500, Troy, MI, 48084 | 2.9 | |
| Allstate | Shirley Nichols | 26647 Southfield Rd, Lathrup Village, MI, 48076 | 4.1 | |
| State Farm | Ann Percy | 4101 John R Rd Ste 500, Troy, MI, 48085-3690 | 6.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,070 | $540 |
| Oakland County, MI | $209,800 | $847 | $580 | $1,210 | $630 |
| Birmingham, MI | $467,700 | $982 | $680 | $1,360 | $680 |
| Auburn Hills, MI | $134,600 | $649 | $470 | $920 | $450 |
| Fraser, MI | $128,000 | $642 | $440 | $880 | $440 |
| Wayne County, MI | $92,400 | $687 | $490 | $950 | $460 |
| Harrison charter, MI | $163,400 | $681 | $470 | $970 | $500 |
| Oxford charter, MI | $214,800 | $739 | $500 | $1,030 | $530 |
| New Haven, MI | $115,400 | $745 | $540 | $1,040 | $500 |
| Carleton, MI | $110,100 | $737 | $540 | $1,020 | $480 |
| York charter, MI | $295,300 | $862 | $580 | $1,190 | $610 |
| Flint, MI | $28,200 | $863 | $580 | $1,200 | $620 |
| Bancroft, MI | $70,900 | $668 | $470 | $950 | $480 |