Gavop tells you how to get the best homeowners insurance in St. Joseph County, MI by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| St. Joseph 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 | |
| Bates Ave, Co Hwy 131, Borgert Rd, Lakeview Ave, E 2nd St, Flowerfield Rd, State Hwy 216, S Douglas Ave, Old 17 Rd, Camp Wakeshma Rd | $124,500 | $100,000 | $125,000-$150,000 | $62,500 | $50,000 | $50,000-$75,000 |
| Kline St, N Galyn St, Highfield Rd, Cowles Rd, Frank Ave, Bullock Rd, N Hooker Ave, Loop Rd, Co Hwy 140, N White School Rd | $126,000 | $120,000 | $100,000-$125,000 | $115,500 | $90,000 | $75,000-$100,000 |
| Linda Ave, Krum Ave, Bowers Rd, Jackson St, Arthur L Jones Rd, Co Hwy 139, A P I Gravel Rd, Barnard Ave, Norton Rd, Marcellus Rd | $93,500 | $80,000 | $75,000-$100,000 | $61,500 | $50,000 | $50,000-$75,000 |
| Co Hwy 114, Kirby Rd, Harold Dr, Vernon Rd, Dallas St, Wetherbee Rd, Beers Rd, Phillips St, Birch St, Pioneer Ave | $161,000 | $130,000 | $175,000-$200,000 | $102,000 | $80,000 | $100,000-$125,000 |
| N M 66, Red Pine Cir, Depot St, Lockport St, Shafer Brothers Rd, E 790 N, Clausen Ave, 10th St, Corner Rd, Constantine Rd | $119,500 | $100,000 | $125,000-$150,000 | $106,000 | $90,000 | $75,000-$100,000 |
| Lakeshore Dr, N Angling Rd, Hassenger Rd, Circle Dr, Blanchard St, Ivanhoe St, Rainbow Dr, Youngs Prairie Rd, Owl Ct, Marlene Dr | $163,000 | $150,000 | $150,000-$175,000 | $146,000 | $140,000 | $100,000-$125,000 |
| Apache Trl, Elizabeth Dr, W Northpark Dr, Portage Ave, Barry St, S Thompson Ln, Polk St, Londick Rd, E Rishel Rd, Angell Ave | $112,000 | $100,000 | $100,000-$125,000 | $100,000 | $90,000 | $100,000-$125,000 |
| W End Rd, Saint Joe River Rd, Burr Oak St, W Rishel Rd, Robinson Rd, Harder Rd, Baniby Rd, Dobrowolski Ln, N White School Rd, Briarwood Ct | $165,000 | $140,000 | $175,000-$200,000 | $147,000 | $120,000 | $150,000-$175,000 |
| Pine Tree Ln, Congress St, Abbey Rd, Cedar Ct, E Fawn River Rd, Sox Dr, Taft Dr, Peterson Cir, Steinke Rd, Parkway Ave | $178,000 | $150,000 | $175,000-$200,000 | $185,500 | $150,000 | $175,000-$200,000 |
| Prairie Corners Rd, Ellerman St, S Merribe St, Edgewater Beach Rd, Leo Ln, Riddle Rd, E Ridgeview Dr, N Saint Joseph St, Manor Rd, S 5th St | $112,500 | $90,000 | $125,000-$150,000 | $123,000 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$136 | $581 |
| Superior Protection Discount | -$72 | $645 |
| Fire & Security Discount | -$72 | $645 |
| Hail Resistant Roof Discount | -$14 | $702 |
| Newly Constructed Home Discount | -$172 | $545 |
| 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 |
| St. Joseph County | $700 | $708 | $1,408 | $515 | $1,215 | $194 |
| St. Joseph County, MI | $1,500 | $708 | $2,208 | $515 | $2,015 | $194 |
| Batavia, MI | $400 | $719 | $1,119 | $523 | $923 | $197 |
| Climax, MI | $2,000 | $772 | $2,772 | $561 | $2,561 | $211 |
| Osolo, IN | $500 | $683 | $1,183 | $496 | $996 | $187 |
| Goshen, IN | $700 | $755 | $1,455 | $549 | $1,249 | $206 |
| Cromwell, IN | $100 | $648 | $748 | $471 | $571 | $177 |
| Bainbridge, MI | $1,000 | $793 | $1,793 | $577 | $1,577 | $217 |
| Convis, MI | $100 | $757 | $857 | $550 | $650 | $207 |
| Portage, IN | $1,500 | $618 | $2,118 | $449 | $1,949 | $169 |
| Assyria, MI | $200 | $795 | $995 | $578 | $778 | $217 |
| Blakeslee, OH | $2,000 | $557 | $2,557 | $405 | $2,405 | $152 |
| Home Insurance Company St. Joseph County, MI | Homeowners Insurance Agency St. Joseph County, MI | Address | Popularity Score | Distance from St. Joseph County (miles) |
|---|---|---|---|---|
| State Farm | Lyn Nash | 118 N Centerville Rd, Sturgis, MI, 49091-1308 | 9.2 | |
| State Farm | Greg Hoover | 186 S Wshgton St Ste 1, Constantine, MI, 49042-1048 | 8.9 | |
| Allstate | Melissa Kleinert | 310 S Us Highway 131, Three Rivers, MI, 49093 | 6.9 | |
| State Farm | Mary Beth Fleury | 1114 W Michigan Ave Ste 5, Three Rivers, MI, 49093-2122 | 6.8 | |
| State Farm | Sandy Woods | 215 E Green St, Marshall, MI, 49068-1534 | 38.2 | |
| State Farm | John Koch | 8108 Shaver Rd, Portage, MI, 49024-5429 | 20.2 | |
| State Farm | Gary Younce | 221 E Chicago St, Bronson, MI, 49028-1316 | 17.2 | |
| State Farm | Gary Wood | 6040 S 12th St Ofc A, Portage, MI, 49024-1752 | 22.9 | |
| State Farm | Bill Pavka | 102 S Howell St, Hillsdale, MI, 49242-2051 | 45.9 | |
| Farmers | Chuck Newton | 203 S Main St, Reading, MI, 49274 | 40.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,060 | $500 |
| St. Joseph County, MI | $111,200 | $717 | $520 | $1,030 | $510 |
| St. Joseph County, MI | $111,200 | $717 | $480 | $980 | $500 |
| Batavia, MI | $104,300 | $728 | $530 | $1,010 | $480 |
| Climax, MI | $140,900 | $781 | $560 | $1,080 | $520 |
| Osolo, IN | $122,100 | $691 | $460 | $980 | $520 |
| Goshen, IN | $111,000 | $764 | $520 | $1,080 | $560 |
| Cromwell, IN | $76,000 | $656 | $450 | $900 | $450 |
| Bainbridge, MI | $157,200 | $803 | $540 | $1,100 | $560 |
| Convis, MI | $129,600 | $766 | $510 | $1,050 | $540 |
| Portage, IN | $73,500 | $626 | $450 | $890 | $440 |
| Assyria, MI | $158,500 | $805 | $580 | $1,140 | $560 |
| Blakeslee, OH | $80,000 | $564 | $410 | $770 | $360 |