Gavop's guide to buying homeowners insurance in Waverly, 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 | $40,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $101,500 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $162,000 | $150,000 | $125,000-$150,000 |
| 4 Bedroom | $156,000 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $279,000 | $240,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $567 |
| Superior Protection Discount | -$67 | $600 |
| Fire & Security Discount | -$67 | $600 |
| Hail Resistant Roof Discount | -$13 | $654 |
| Newly Constructed Home Discount | -$167 | $500 |
| 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 |
| Eaton County | $2,000 | $750 | $2,750 | $545 | $2,545 | $205 |
| Waverly, MI | $2,500 | $659 | $3,159 | $479 | $2,979 | $180 |
| Delta charter, MI | $300 | $666 | $966 | $484 | $784 | $182 |
| Edgemont Park, MI | $1,500 | $726 | $2,226 | $528 | $2,028 | $198 |
| Delhi charter, MI | $200 | $664 | $864 | $482 | $682 | $181 |
| Lyons, MI | $2,000 | $696 | $2,696 | $505 | $2,505 | $190 |
| Kalamo, MI | $100 | $796 | $896 | $579 | $679 | $218 |
| Orleans, MI | $2,500 | $714 | $3,214 | $519 | $3,019 | $195 |
| Bowne, MI | $200 | $871 | $1,071 | $633 | $833 | $238 |
| Brant, MI | $1,500 | $729 | $2,229 | $530 | $2,030 | $199 |
| Clayton charter, MI | $400 | $639 | $1,039 | $464 | $864 | $175 |
| Stanton, MI | $2,000 | $680 | $2,680 | $494 | $2,494 | $186 |
| Home Insurance Company Waverly, MI | Homeowners Insurance Agency Waverly, MI | Address | Popularity Score | Distance from Waverly (miles) |
|---|---|---|---|---|
| State Farm | Zachary Sabin | 4750 Central Park Dr Ste D, Okemos, MI, 48864-1968 | 11.5 | |
| State Farm | Jamie Puente | 6241 Grand River Rd Ste 200, Brighton, MI, 48114-7709 | 42.7 | |
| Liberty Mutual Independent | Follmer Insurance Services | 5058 S Old Us Highway 23, Brighton, MI, 48114 | 46.9 | |
| Farmers | Troy Dalman | 128 W Mill St, Hastings, MI, 49058 | 33.9 | |
| State Farm | Melissa Schwartz | 5925 Meridian Blvd Ste 100, Brighton, MI, 48116-8068 | 47.8 | |
| Allstate | Wilhelm Thiele | 10192 Grand River Rd Ste 117, Brighton, MI, 48116 | 47.3 | |
| Allstate | Patrick Fischer | 630 W Grand River Ave, Brighton, MI, 48116 | 45.6 | |
| Allstate | David Schenk | 887 S Old Us 23, Brighton, MI, 48114 | 46.0 | |
| State Farm | Chuck Spinale | 404 W Grand River Ave, Brighton, MI, 48116-1105 | 45.7 | |
| Travelers | Robertson Insurance | 5589 E M-36 Hwy , Pinckney, MI, 48169 | 44.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $550 | $1,070 | $520 |
| Eaton County, MI | $142,300 | $760 | $520 | $1,040 | $520 |
| Waverly, MI | $150,000 | $667 | $460 | $950 | $490 |
| Delta charter, MI | $157,400 | $675 | $480 | $940 | $460 |
| Edgemont Park, MI | $108,800 | $735 | $500 | $1,020 | $520 |
| Delhi charter, MI | $155,100 | $672 | $480 | $930 | $450 |
| Lyons, MI | $90,300 | $704 | $510 | $1,000 | $490 |
| Kalamo, MI | $159,100 | $806 | $560 | $1,120 | $560 |
| Orleans, MI | $101,100 | $723 | $530 | $1,000 | $470 |
| Bowne, MI | $216,500 | $882 | $610 | $1,220 | $610 |
| Brant, MI | $110,800 | $738 | $490 | $1,040 | $550 |
| Clayton charter, MI | $132,500 | $647 | $470 | $920 | $450 |
| Stanton, MI | $81,300 | $688 | $500 | $940 | $440 |