Gavop's guide to buying homeowners insurance in Ogemaw 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 | $53,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $74,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $125,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $192,500 | $180,000 | $150,000-$175,000 |
| 5 Bedroom | $208,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$92 | $562 |
| Superior Protection Discount | -$65 | $588 |
| Fire & Security Discount | -$46 | $608 |
| Hail Resistant Roof Discount | -$13 | $641 |
| Newly Constructed Home Discount | -$177 | $477 |
| 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 |
| Ogemaw County | $2,000 | $646 | $2,646 | $469 | $2,469 | $177 |
| Ogemaw County, MI | $1,000 | $646 | $1,646 | $469 | $1,469 | $177 |
| West Branch, MI | $400 | $712 | $1,112 | $518 | $918 | $195 |
| Cumming, MI | $1,500 | $702 | $2,202 | $510 | $2,010 | $192 |
| Lupton, MI | $500 | $608 | $1,108 | $442 | $942 | $166 |
| Hill, MI | $700 | $733 | $1,433 | $533 | $1,233 | $200 |
| Foster, MI | $100 | $718 | $818 | $522 | $622 | $196 |
| Clement, MI | $700 | $703 | $1,403 | $511 | $1,211 | $192 |
| Hay, MI | $400 | $694 | $1,094 | $504 | $904 | $190 |
| Mount Forest, MI | $2,500 | $716 | $3,216 | $521 | $3,021 | $196 |
| Billings, MI | $500 | $718 | $1,218 | $522 | $1,022 | $196 |
| Avery, MI | $700 | $673 | $1,373 | $489 | $1,189 | $184 |
| Home Insurance Company Ogemaw County, MI | Homeowners Insurance Agency Ogemaw County, MI | Address | Popularity Score | Distance from Ogemaw County (miles) |
|---|---|---|---|---|
| State Farm | Brandon Sutkowi | 446 Court St, West Branch, MI, 48661-9310 | 7.3 | |
| Allstate | Tawas Bay Agency | 108 W State St, East Tawas, MI, 48730 | 31.8 | |
| State Farm | Tim Boychuck | 967 S Saginaw Rd, Midland, MI, 48640-4665 | 49.5 | |
| State Farm | Sean Clarke | 120 S State St, Oscoda, MI, 48750-1633 | 40.0 | |
| State Farm | Steve Witt | 4424 N Saginaw Rd, Midland, MI, 48640-2370 | 48.4 | |
| State Farm | Mark Goulder | 1011 N Mcewan St, Clare, MI, 48617-1201 | 47.4 | |
| State Farm | Christi Neubecker | 305 Bennett St, Rose City, MI, 48654-9587 | 6.0 | |
| State Farm | Leo Everitt | 209 N M13, Pinconning, MI, 48650 | 33.9 | |
| State Farm | Scott Macgregor | 5108 Eastman Ave Ste 2, Midland, MI, 48640-6823 | 47.9 | |
| State Farm | Maury Irwin | 305 S Mcewan St, Clare, MI, 48617-1861 | 48.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,090 | $560 |
| Ogemaw County, MI | $89,600 | $654 | $450 | $900 | $450 |
| Ogemaw County, MI | $89,600 | $654 | $470 | $910 | $440 |
| West Branch, MI | $100,200 | $721 | $530 | $1,030 | $500 |
| Cumming, MI | $94,400 | $711 | $490 | $970 | $480 |
| Lupton, MI | $46,200 | $615 | $440 | $850 | $410 |
| Hill, MI | $113,400 | $742 | $510 | $1,050 | $540 |
| Foster, MI | $104,100 | $727 | $530 | $1,040 | $510 |
| Clement, MI | $94,800 | $712 | $520 | $1,020 | $500 |
| Hay, MI | $89,100 | $702 | $470 | $970 | $500 |
| Mount Forest, MI | $102,500 | $725 | $490 | $1,010 | $520 |
| Billings, MI | $103,600 | $727 | $490 | $1,010 | $520 |
| Avery, MI | $77,700 | $681 | $480 | $950 | $470 |