How Can I Make My Bay City, MI Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Bay City, MI by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Bay City, MI Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $34,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $57,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $91,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $124,000 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $117,000 | $110,000 | $100,000-$125,000 |
Estimate your Savings with Home Insurance Discounts in Bay City, MI | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $526 |
| Superior Protection Discount | -$64 | $577 |
| Fire & Security Discount | -$51 | $590 |
| Hail Resistant Roof Discount | -$19 | $622 |
| Newly Constructed Home Discount | -$141 | $500 |
Choose your Bay City, MI Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,312 |
| Hail Damage | $5,533 |
| Wind Damage | $10,216 |
| Expensive Claims | |
| Fire | $36,771 |
| Accidental Discharge/Leakage | $8,366 |
| Optional Coverage Losses | $8,403 |
Identify Top Home Insurance Agents near Bay City, MI | Back to Top
| Home Insurance Company Bay City, MI | Homeowners Insurance Agency Bay City, MI | Address | Popularity Score | Distance from Bay City (miles) |
|---|---|---|---|---|
| Farmers | Andy Hinojosa | 8445 S Saginaw St Ste 104, Grand Blanc, MI, 48439 | 49.3 | |
| State Farm | John Shankool | 1200 W Jenny St, Bay City, MI, 48706-2954 | 1.6 | |
| State Farm | Pat Cronin | 148 W Park St, Lapeer, MI, 48446-2163 | 47.0 | |
| State Farm | Stan Ring | 113 E Grnd Blanc Rd Ste B, Grand Blanc, MI, 48439-3319 | 47.6 | |
| State Farm | Paul Donnelly | 6353 S Saginaw Rd, Grand Blanc, MI, 48439-8140 | 46.7 | |
| Allstate | Steven Pake | 700 S Main St Ste 108, Lapeer, MI, 48446 | 47.4 | |
| Farmers | Gary Thibo | 1063 S State Rd Ste 9, Davison, MI, 48423 | 43.7 | |
| State Farm | Ron Gillum Jr | 3692 E Court St, Flint, MI, 48506-4106 | 41.4 | |
| Allstate | Brian K Hickman | 2454 S Center Rd, Burton, MI, 48519 | 43.3 | |
| Travelers | Al Bourdeau Insurance Agency | 3835 Davison Rd, Flint, MI, 48506 | 40.5 |
Compare Rates for Bay City, MI Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,060 | $530 |
| Bay County, MI | $96,800 | $694 | $460 | $980 | $520 |
| Bay City, MI | $67,100 | $641 | $470 | $880 | $410 |
| Kawkawlin, MI | $132,400 | $770 | $550 | $1,100 | $550 |
| Freeland, MI | $158,200 | $676 | $490 | $930 | $440 |
| Beaver, MI | $137,800 | $777 | $560 | $1,100 | $540 |
| Clio, MI | $69,700 | $666 | $450 | $950 | $500 |
| Deep River, MI | $85,100 | $695 | $500 | $980 | $480 |
| Caseville, MI | $153,000 | $798 | $540 | $1,130 | $590 |
| Pine River, MI | $95,600 | $713 | $510 | $980 | $470 |
| Alma, MI | $84,000 | $644 | $460 | $900 | $440 |
| Elsie, MI | $87,800 | $700 | $480 | $990 | $510 |
| Union charter, MI | $131,800 | $646 | $440 | $880 | $440 |
Research Home Insurance Companies Reviews in Bay City, MI Before Buying | Back to Top
Share a review on your home insurance company
Liberty Mutual Home Insurance Reviews
Date: September 13, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The premium seemed to be the lowest around compared to other national brands. The deductible was comparable to other companies in the area.
Date: August 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Good customer service and i have some neutral experience about this company and premium is about normal.
State Farm Home Insurance Reviews
Date: January 04, 2020 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
the company i use is probably one of the lower in cost that i see. the premiums and deductibles are not bat either.
Date: June 08, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Premium
Rates are rather pricey for both home and auto insurance. The company makes up for this by offering a variety of discounts—such as its Steer Clear driver program—and having solid customer service.
GEICO Home Insurance Reviews
Date: July 02, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I really do not know about my insurance policy and what they are offering me, so I cannot compare with others