Gavop shows you how to buy homeowners insurance in Ottawa 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 | $55,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $93,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $182,500 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $239,000 | $220,000 | $175,000-$200,000 |
| 5 Bedroom | $309,500 | $250,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $666 |
| Superior Protection Discount | -$79 | $713 |
| Fire & Security Discount | -$71 | $721 |
| Hail Resistant Roof Discount | -$24 | $769 |
| Newly Constructed Home Discount | -$206 | $586 |
| 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 |
| Ottawa County | $1,000 | $783 | $1,783 | $569 | $1,569 | $214 |
| Ottawa County, MI | $1,000 | $783 | $1,783 | $569 | $1,569 | $214 |
| Muskegon County, MI | $100 | $699 | $799 | $508 | $608 | $191 |
| Crockery, MI | $700 | $820 | $1,520 | $596 | $1,296 | $224 |
| White River, MI | $500 | $805 | $1,305 | $585 | $1,085 | $220 |
| Egelston, MI | $1,500 | $655 | $2,155 | $476 | $1,976 | $179 |
| Zeeland charter, MI | $300 | $684 | $984 | $497 | $797 | $187 |
| Fennville, MI | $2,500 | $674 | $3,174 | $490 | $2,990 | $184 |
| Hudsonville, MI | $100 | $648 | $748 | $471 | $571 | $177 |
| Geneva, MI | $1,500 | $716 | $2,216 | $521 | $2,021 | $196 |
| Byron Center, MI | $100 | $740 | $840 | $538 | $638 | $202 |
| Ashland, MI | $1,500 | $784 | $2,284 | $570 | $2,070 | $214 |
| Home Insurance Company Ottawa County, MI | Homeowners Insurance Agency Ottawa County, MI | Address | Popularity Score | Distance from Ottawa County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Berends Hendricks Stuit | 3055 44th St Sw, Grandville, MI, 49418 | 46.6 | |
| Allstate | Krystal Knoll | 482 Century Ln Ste 50, Holland, MI, 49423 | 31.0 | |
| State Farm | Zeke Alejos | 244 James St Ste B, Holland, MI, 49424-2980 | 28.7 | |
| Travelers | Mckenzie-Price Agency | 455 West Norton, Muskegon, MI, 49444 | 26.5 | |
| Allstate | Mark Noffsinger | 2845 Wilson Ave Sw Ste B, Grandville, MI, 49418 | 45.3 | |
| State Farm | Luke Bagnall | 1277 36th St Sw, Wyoming, MI, 49509-3469 | 48.7 | |
| State Farm | Mike Folkert | 7653 Riverview Dr, Jenison, MI, 49428-6900 | 43.9 | |
| State Farm | Doug Jurgens | 3942 30th St Sw, Grandville, MI, 49418-1605 | 45.4 | |
| Farmers | Tammy Jones | 4601 134th Ave Ste E, Hamilton, MI, 49419 | 38.5 | |
| Allstate | Randall L. Knoll | 12871 Riley St, Holland, MI, 49424 | 29.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $520 | $1,070 | $550 |
| Ottawa County, MI | $168,000 | $792 | $560 | $1,130 | $570 |
| Ottawa County, MI | $168,000 | $792 | $530 | $1,100 | $570 |
| Muskegon County, MI | $105,300 | $707 | $520 | $1,010 | $490 |
| Crockery, MI | $178,100 | $830 | $610 | $1,140 | $530 |
| White River, MI | $166,100 | $815 | $550 | $1,120 | $570 |
| Egelston, MI | $95,100 | $663 | $460 | $920 | $460 |
| Zeeland charter, MI | $173,400 | $692 | $480 | $960 | $480 |
| Fennville, MI | $78,100 | $682 | $490 | $950 | $460 |
| Hudsonville, MI | $140,800 | $656 | $470 | $930 | $460 |
| Geneva, MI | $102,700 | $725 | $490 | $1,000 | $510 |
| Byron Center, MI | $222,800 | $749 | $500 | $1,030 | $530 |
| Ashland, MI | $150,000 | $794 | $570 | $1,130 | $560 |