Gavop's guide to buying homeowners insurance in Ontonagon County, 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 | $34,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $53,500 | $40,000 | $50,000-$75,000 |
| 3 Bedroom | $75,500 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $109,000 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $76,500 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $501 |
| Superior Protection Discount | -$62 | $557 |
| Fire & Security Discount | -$49 | $569 |
| Hail Resistant Roof Discount | -$19 | $600 |
| Newly Constructed Home Discount | -$179 | $439 |
| 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 |
| Ontonagon County | $2,000 | $611 | $2,611 | $444 | $2,444 | $167 |
| Ontonagon County, MI | $2,000 | $611 | $2,611 | $444 | $2,444 | $167 |
| Ontonagon, MI | $400 | $655 | $1,055 | $476 | $876 | $179 |
| Greenland, MI | $2,500 | $642 | $3,142 | $467 | $2,967 | $176 |
| Matchwood, MI | $500 | $687 | $1,187 | $499 | $999 | $188 |
| Hancock, MI | $700 | $723 | $1,423 | $526 | $1,226 | $198 |
| Bergland, MI | $200 | $687 | $887 | $499 | $699 | $188 |
| Portage charter, MI | $1,500 | $803 | $2,303 | $584 | $2,084 | $220 |
| Chassell, MI | $500 | $743 | $1,243 | $540 | $1,040 | $203 |
| Calumet charter, MI | $700 | $604 | $1,304 | $439 | $1,139 | $165 |
| Laurium, MI | $400 | $665 | $1,065 | $483 | $883 | $182 |
| Hubbell, MI | $2,000 | $642 | $2,642 | $467 | $2,467 | $176 |
| Home Insurance Company Ontonagon County, MI | Homeowners Insurance Agency Ontonagon County, MI | Address | Popularity Score | Distance from Ontonagon County (miles) |
|---|---|---|---|---|
| State Farm | Mike Lahti | 400 Elevation St, Hancock, MI, 49930-1945 | 43.1 | |
| State Farm | Dean Kangas | 200 5th St, Calumet, MI, 49913-1643 | 49.3 | |
| State Farm | Matt Elmblad | 319 River Street, Ontonagon, MI, 49953 | 25.4 | |
| Farmers | Phil Kolehmainen Jr | 525 Shelden Ave, Houghton, MI, 49931 | 44.4 | |
| Farmers | Pete Wesa | 701 Hancock St, Hancock, MI, 49930 | 43.3 | |
| State Farm | Kelly Jepsen | 1104 College Ave, Houghton, MI, 49931-1308 | 44.9 | |
| Allstate | Douglass Frank A | 324 Shelden Ave, Houghton, MI, 49931 | 44.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,090 | $530 |
| Ontonagon County, MI | $69,500 | $618 | $420 | $850 | $430 |
| Ontonagon County, MI | $69,500 | $618 | $410 | $880 | $470 |
| Ontonagon, MI | $68,300 | $663 | $440 | $950 | $510 |
| Greenland, MI | $62,100 | $650 | $440 | $920 | $480 |
| Matchwood, MI | $85,000 | $695 | $510 | $950 | $440 |
| Hancock, MI | $107,000 | $732 | $520 | $1,010 | $490 |
| Bergland, MI | $85,000 | $695 | $510 | $960 | $450 |
| Portage charter, MI | $164,700 | $813 | $560 | $1,130 | $570 |
| Chassell, MI | $119,800 | $752 | $530 | $1,030 | $500 |
| Calumet charter, MI | $65,300 | $611 | $420 | $860 | $440 |
| Laurium, MI | $73,100 | $673 | $490 | $950 | $460 |
| Hubbell, MI | $62,200 | $650 | $440 | $920 | $480 |