Gavop shows you how to buy homeowners insurance in Bay County, 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 | $55,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $87,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $153,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $232,000 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $225,000 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $569 |
| Superior Protection Discount | -$62 | $631 |
| Fire & Security Discount | -$49 | $645 |
| Hail Resistant Roof Discount | -$14 | $680 |
| Newly Constructed Home Discount | -$194 | $499 |
| 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 |
| Bay County | $2,000 | $685 | $2,685 | $498 | $2,498 | $187 |
| Bay County, MI | $2,500 | $685 | $3,185 | $498 | $2,998 | $187 |
| Zilwaukee, MI | $100 | $663 | $763 | $482 | $582 | $181 |
| Standish, MI | $2,000 | $679 | $2,679 | $493 | $2,493 | $185 |
| Saginaw County, MI | $300 | $682 | $982 | $496 | $796 | $186 |
| Twining, MI | $700 | $621 | $1,321 | $452 | $1,152 | $170 |
| Taymouth, MI | $500 | $735 | $1,235 | $534 | $1,034 | $201 |
| Winsor, MI | $1,500 | $683 | $2,183 | $496 | $1,996 | $187 |
| Chandler, MI | $300 | $732 | $1,032 | $532 | $832 | $200 |
| Hayes, MI | $2,500 | $632 | $3,132 | $460 | $2,960 | $173 |
| Surrey, MI | $300 | $686 | $986 | $498 | $798 | $187 |
| Flint charter, MI | $1,000 | $629 | $1,629 | $457 | $1,457 | $172 |
| Home Insurance Company Bay County, MI | Homeowners Insurance Agency Bay County, MI | Address | Popularity Score | Distance from Bay County (miles) |
|---|---|---|---|---|
| State Farm | Al Shattuck | 111 N Hickory St, Owosso, MI, 48867-3015 | 49.4 | |
| State Farm | Matt Grubb | 1026 E Main St, Owosso, MI, 48867-9007 | 49.3 | |
| State Farm | Marc Debusschere | 211 S Main St Ste A, Chesaning, MI, 48616-1534 | 36.4 | |
| Travelers | Al Bourdeau Insurance Agency | 3835 Davison Rd, Flint, MI, 48508 | 49.1 | |
| Allstate | Brad Faulk | 1580 S Euclid Ave, Bay City, MI, 48706 | 8.5 | |
| State Farm | John Drzewicki | 1104 S Madison Ave, Bay City, MI, 48708-7262 | 9.5 | |
| Travelers | Al Bourdeau Insurance Agency | 3835 Davison Rd, Flint, MI, 48506 | 49.1 | |
| Liberty Mutual Independent | Mid Valley Insurance | 9080 Gratiot Road, Saginaw, MI, 48608 | 20.4 | |
| State Farm | Gary Young | 301 E Main St, Flushing, MI, 48433-2027 | 44.4 | |
| State Farm | Jim Schian | 5204 Davison Rd, Burton, MI, 48509-1570 | 49.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,100 | $570 |
| Bay County, MI | $96,800 | $694 | $480 | $990 | $510 |
| Bay County, MI | $96,800 | $694 | $510 | $960 | $450 |
| Zilwaukee, MI | $72,300 | $671 | $480 | $950 | $470 |
| Standish, MI | $80,700 | $687 | $470 | $970 | $500 |
| Saginaw County, MI | $94,900 | $691 | $480 | $980 | $500 |
| Twining, MI | $52,200 | $629 | $430 | $890 | $460 |
| Taymouth, MI | $114,900 | $744 | $530 | $1,060 | $530 |
| Winsor, MI | $82,900 | $691 | $460 | $980 | $520 |
| Chandler, MI | $113,000 | $741 | $530 | $1,060 | $530 |
| Hayes, MI | $57,300 | $640 | $430 | $910 | $480 |
| Surrey, MI | $84,400 | $694 | $510 | $990 | $480 |
| Flint charter, MI | $79,600 | $637 | $460 | $890 | $430 |