Gavop's guide to buying homeowners insurance in Benton Harbor, 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 | $21,500 | $20,000 | $0-$25,000 |
| 2 Bedroom | $72,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $97,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $115,000 | $100,000 | $125,000-$150,000 |
| 5 Bedroom | $95,000 | $80,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $486 |
| Superior Protection Discount | -$53 | $539 |
| Fire & Security Discount | -$47 | $545 |
| Hail Resistant Roof Discount | -$18 | $575 |
| Newly Constructed Home Discount | -$118 | $474 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,312 |
| Hail Damage | $5,157 |
| Wind Damage | $9,515 |
| Expensive Claims | |
| Fire | $36,771 |
| Accidental Discharge/Leakage | $8,711 |
| Optional Coverage Losses | $8,568 |
| Home Insurance Company Benton Harbor, MI | Homeowners Insurance Agency Benton Harbor, MI | Address | Popularity Score | Distance from Benton Harbor (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Whitaker-Lachance | 2176 E Centre Ave, Portage, MI, 49002 | 45.7 | |
| Allstate | Melissa Kleinert | 531 N Grand St # B, Schoolcraft, MI, 49087 | 41.6 | |
| Liberty Mutual Independent | Lake-Shores Insurance Agency | 5604 Cleveland Ave, Stevensville, MI, 49127 | 7.2 | |
| Allstate | Jeff Duncan | 1595 W Centre Ave Ste 201, Portage, MI, 49024 | 43.5 | |
| Liberty Mutual Independent | Mahar Insurance Agency | 210 W Division St, Dowagiac, MI, 49047 | 19.6 | |
| State Farm | Jason Vadney | 4078 Red Arrow Hwy, Saint Joseph, MI, 49085-9209 | 6.0 | |
| Liberty Mutual Independent | Keyser Insurance Group | 444 W Michigan Ave, Kalamazoo, MI, 49007 | 45.7 | |
| State Farm | Tom Rossi | 5929 Portage Rd, Portage, MI, 49002-1726 | 46.2 | |
| State Farm | Andrea Olson | 228 Broadway St, South Haven, MI, 49090-1472 | 22.0 | |
| State Farm | Mike Gilbert | 3045 W John Beers Rd Unit 1, Stevensville, MI, 49127-1115 | 8.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,110 | $580 |
| Berrien County, MI | $140,900 | $758 | $520 | $1,050 | $530 |
| Benton Harbor, MI | $56,200 | $592 | $400 | $820 | $420 |
| Fair Plain, MI | $95,400 | $663 | $460 | $950 | $490 |
| Lawrence, MI | $121,300 | $754 | $540 | $1,030 | $490 |
| Cheshire, MI | $107,700 | $733 | $500 | $1,020 | $520 |
| Penn, IN | $116,600 | $677 | $480 | $930 | $450 |
| Texas charter, MI | $271,500 | $819 | $590 | $1,140 | $550 |
| Baugo, IN | $138,900 | $732 | $500 | $1,050 | $550 |
| Valley, MI | $128,500 | $764 | $520 | $1,080 | $560 |
| Jefferson, IN | $175,400 | $806 | $560 | $1,140 | $580 |
| York, IN | $163,600 | $933 | $630 | $1,320 | $690 |
| Monterey, MI | $140,800 | $781 | $530 | $1,110 | $580 |