Gavop shows you how to buy homeowners insurance in Schoolcraft, 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 | $58,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $144,000 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $253,500 | $240,000 | $200,000-$250,000 |
| 4 Bedroom | $198,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $208,000 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $562 |
| Superior Protection Discount | -$67 | $603 |
| Fire & Security Discount | -$54 | $616 |
| Hail Resistant Roof Discount | -$20 | $649 |
| Newly Constructed Home Discount | -$154 | $515 |
| 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 |
| Kalamazoo County | $1,500 | $756 | $2,256 | $550 | $2,050 | $207 |
| Schoolcraft, MI | $1,000 | $661 | $1,661 | $481 | $1,481 | $181 |
| Portage, MI | $200 | $766 | $966 | $556 | $756 | $209 |
| Flowerfield, MI | $1,500 | $783 | $2,283 | $569 | $2,069 | $214 |
| Wakeshma, MI | $100 | $743 | $843 | $540 | $640 | $203 |
| Sturgis, MI | $2,000 | $631 | $2,631 | $459 | $2,459 | $173 |
| Delton, MI | $300 | $758 | $1,058 | $551 | $851 | $207 |
| Watson, MI | $2,500 | $770 | $3,270 | $559 | $3,059 | $210 |
| Allegan, MI | $300 | $653 | $953 | $475 | $775 | $179 |
| Orland, IN | $2,500 | $681 | $3,181 | $495 | $2,995 | $186 |
| Wolcottville, IN | $300 | $661 | $961 | $480 | $780 | $181 |
| Ligonier, IN | $700 | $668 | $1,368 | $485 | $1,185 | $183 |
| Home Insurance Company Schoolcraft, MI | Homeowners Insurance Agency Schoolcraft, MI | Address | Popularity Score | Distance from Schoolcraft (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Whitaker-Lachance | 2176 E Centre Ave, Portage, MI, 49002 | 6.2 | |
| Allstate | Melissa Kleinert | 531 N Grand St # B, Schoolcraft, MI, 49087 | 2.7 | |
| State Farm | Susan O'Connell | 2317 E Centre Ave, Portage, MI, 49002-4422 | 6.3 | |
| Farmers | Tammy Jones | 4601 134th Ave Ste E, Hamilton, MI, 49419 | 43.6 | |
| State Farm | Mike Otto | 114 W Harris Street, Charlotte, MI, 48813-2311 | 49.5 | |
| Allstate | Janet Gray | 1256 E Centre Ave, Portage, MI, 49002 | 6.2 | |
| State Farm | Tom Rossi | 5929 Portage Rd, Portage, MI, 49002-1726 | 8.3 | |
| State Farm | Ernie Lahusky | 19915 Capital Ave Ne Ste 204, Battle Creek, MI, 49017-8124 | 28.2 | |
| State Farm | Barry Dickinson | 8125 Valleywood Ln Ste B, Portage, MI, 49024-5282 | 6.1 | |
| Farmers | Leslie Nabozny | 9100 E D Ave, Richland, MI, 49083 | 19.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,110 | $580 |
| Kalamazoo County, MI | $146,100 | $765 | $550 | $1,090 | $540 |
| Schoolcraft, MI | $152,500 | $669 | $450 | $960 | $510 |
| Portage, MI | $153,800 | $775 | $570 | $1,100 | $530 |
| Flowerfield, MI | $149,800 | $793 | $570 | $1,130 | $560 |
| Wakeshma, MI | $120,300 | $752 | $500 | $1,050 | $550 |
| Sturgis, MI | $80,500 | $639 | $430 | $910 | $480 |
| Delton, MI | $130,300 | $767 | $560 | $1,060 | $500 |
| Watson, MI | $139,400 | $779 | $550 | $1,080 | $530 |
| Allegan, MI | $94,200 | $661 | $440 | $940 | $500 |
| Orland, IN | $84,100 | $689 | $460 | $940 | $480 |
| Wolcottville, IN | $79,100 | $669 | $470 | $930 | $460 |
| Ligonier, IN | $80,900 | $676 | $450 | $930 | $480 |