Gavop's guide to buying homeowners insurance in Monroe 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.
| Monroe County, MI - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Puritan, Rockingham Ct, Muehleisen Rd, Eaglepoint Dr, Muehleisen Rd, Crabb Rd, Allen Hurst Rd, W 7th St, Barbara St, Ash St | $168,000 | $150,000 | $150,000-$175,000 | $136,500 | $120,000 | $125,000-$150,000 |
| E Elm Ave, Morocco Rd, Leghorn Rd, Newport S Rd, Toben Rd, Wellsley St, Captiva Ln, Orchard Dr, Morocco Rd, E Elm Ave | $237,000 | $220,000 | $250,000-$300,000 | $121,000 | $110,000 | $125,000-$150,000 |
| Otter Rd, Aimy Dr, Kruse Rd, Dauncy Rd, Foxton Ct, St James Park Ave, Maplewood St, Clover Rd, E 4th St, Beachway Dr | $110,500 | $100,000 | $100,000-$125,000 | $66,000 | $60,000 | $75,000-$100,000 |
| Lakeway St, Essex St, Elmway St, US Hwy 223, Sharon Dr, Muirfield Dr, Franklin Ct, Stowell Rd, Applewood Cir, Woodland Dr | $109,500 | $100,000 | $75,000-$100,000 | $64,500 | $50,000 | $50,000-$75,000 |
| E 8th St, Secor Rd, Antes Dr, Toledo Ave, Rose Rd, Keeney St, Howard St, Creek Rd, Meanwell Rd, Carter Rd | $191,000 | $160,000 | $175,000-$200,000 | $87,000 | $70,000 | $75,000-$100,000 |
| E Promenade Dr, Clark St, Fenwick, Neiman Rd, Spaulding Rd, Oak Forest Dr, Somerset Ln, Wittman Dr, Stoneridge Ln, Wildwood Dr | $163,500 | $140,000 | $175,000-$200,000 | $105,000 | $90,000 | $75,000-$100,000 |
| Yensch Rd, Parkwood Dr, Bibb Rd, Plum Creek Dr, Spruce Ct, Sterns Rd, Gladys St, Windsor Ln, Martell Rd, Glenwood St | $118,500 | $100,000 | $100,000-$125,000 | $98,000 | $90,000 | $75,000-$100,000 |
| 5th St, Renee, Park Ln, Sigler Rd, Scarlet Oak Dr, Matthews St, Whiteford Center Rd, Plum St, Fir Dr, Wiseman Rd | $137,500 | $120,000 | $125,000-$150,000 | $134,500 | $120,000 | $125,000-$150,000 |
| Linda Dr, Vineyard Dr, Valley Oak Ct, York St, Midway St, Whiteford Rd, Sam Dr, Lamphere St, Adams Ave, E Elm St | $114,000 | $110,000 | $75,000-$100,000 | $130,000 | $110,000 | $125,000-$150,000 |
| W Elm Ave, Tabbert Rd, Aspen Ln, Wesley Dr, 8th St, Leroux Rd, Darby Rd, Ottiellie St, W Dunbar Rd, Southwick Rd | $137,500 | $120,000 | $125,000-$150,000 | $133,500 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$146 | $623 |
| Superior Protection Discount | -$69 | $700 |
| Fire & Security Discount | -$54 | $715 |
| Hail Resistant Roof Discount | -$23 | $746 |
| Newly Constructed Home Discount | -$169 | $600 |
| 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 |
| Monroe County | $2,000 | $760 | $2,760 | $552 | $2,552 | $208 |
| Monroe County, MI | $700 | $760 | $1,460 | $552 | $1,252 | $208 |
| Ottawa Hills, OH | $400 | $931 | $1,331 | $676 | $1,076 | $254 |
| Riverview, MI | $2,000 | $639 | $2,639 | $464 | $2,464 | $175 |
| Millbury, OH | $400 | $705 | $1,105 | $513 | $913 | $193 |
| Metamora, OH | $2,500 | $659 | $3,159 | $479 | $2,979 | $180 |
| Ann Arbor, MI | $100 | $925 | $1,025 | $672 | $772 | $253 |
| Lenawee County, MI | $2,000 | $727 | $2,727 | $529 | $2,529 | $199 |
| Woodville, OH | $300 | $713 | $1,013 | $518 | $818 | $195 |
| Wauseon, OH | $2,000 | $629 | $2,629 | $457 | $2,457 | $172 |
| Wolverine Lake, MI | $400 | $815 | $1,215 | $592 | $992 | $223 |
| Genoa, MI | $1,000 | $771 | $1,771 | $560 | $1,560 | $211 |
| Home Insurance Company Monroe County, MI | Homeowners Insurance Agency Monroe County, MI | Address | Popularity Score | Distance from Monroe County (miles) |
|---|---|---|---|---|
| Allstate | Ray Moulden | 26013 Coolidge Hwy, Oak Park, MI, 48237 | 42.1 | |
| State Farm | Brad Stephenson | 14916 Telegraph Rd Ste 5, Flat Rock, MI, 48134-9661 | 15.7 | |
| State Farm | David Deluca | 11756 Newburgh Rd, Livonia, MI, 48150-1061 | 31.5 | |
| State Farm | Pam Mowatt | 20563 Mack Avenue, Grosse Pointe Woods, MI, 48236 | 46.9 | |
| Allstate | David Wagner | 5788 E 12 Mile Rd, Warren, MI, 48092 | 46.5 | |
| Liberty Mutual Independent | Cantor Insurance Group | 26777 Central Park Blvd Ste 250, Southfield, MI, 48076 | 41.2 | |
| State Farm | Patricia Ouellette | 7725 W Vernor Hwy, Detroit, MI, 48209-1515 | 33.1 | |
| Liberty Mutual Independent | Meadowbrook Insurance Group | 26255 American Dr, Southfield, MI, 48034 | 40.8 | |
| State Farm | Jim Demko | 22073 West Rd, Woodhaven, MI, 48183-3225 | 19.7 | |
| Allstate | Ali Abdallah | 4211 W 13 Mile Rd, Royal Oak, MI, 48073 | 44.0 |
| 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 |
| Monroe County, MI | $149,500 | $769 | $550 | $1,050 | $500 |
| Monroe County, MI | $149,500 | $769 | $520 | $1,100 | $580 |
| Ottawa Hills, OH | $269,900 | $942 | $670 | $1,310 | $640 |
| Riverview, MI | $132,500 | $647 | $430 | $890 | $460 |
| Millbury, OH | $136,000 | $714 | $510 | $980 | $470 |
| Metamora, OH | $116,000 | $667 | $450 | $950 | $500 |
| Ann Arbor, MI | $271,600 | $936 | $650 | $1,290 | $640 |
| Lenawee County, MI | $124,900 | $736 | $490 | $1,040 | $550 |
| Woodville, OH | $139,700 | $722 | $500 | $1,000 | $500 |
| Wauseon, OH | $123,400 | $637 | $460 | $900 | $440 |
| Wolverine Lake, MI | $174,100 | $825 | $560 | $1,130 | $570 |
| Genoa, MI | $246,500 | $780 | $550 | $1,120 | $570 |