Gavop's guide to buying homeowners insurance in Allegan County, 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 | $56,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $101,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $194,500 | $180,000 | $150,000-$175,000 |
| 4 Bedroom | $261,500 | $250,000 | $250,000-$300,000 |
| 5 Bedroom | $212,500 | $180,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $663 |
| Superior Protection Discount | -$69 | $702 |
| Fire & Security Discount | -$69 | $702 |
| Hail Resistant Roof Discount | -$23 | $748 |
| Newly Constructed Home Discount | -$162 | $609 |
| 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 |
| Allegan County | $1,000 | $762 | $1,762 | $554 | $1,554 | $208 |
| Allegan County, MI | $700 | $762 | $1,462 | $554 | $1,254 | $208 |
| Ganges, MI | $500 | $840 | $1,340 | $610 | $1,110 | $230 |
| Hagar, MI | $1,000 | $785 | $1,785 | $571 | $1,571 | $215 |
| Port Sheldon, MI | $400 | $911 | $1,311 | $662 | $1,062 | $249 |
| Coloma charter, MI | $1,000 | $649 | $1,649 | $472 | $1,472 | $177 |
| Holland charter, MI | $400 | $656 | $1,056 | $477 | $877 | $179 |
| Shoreham, MI | $1,000 | $835 | $1,835 | $607 | $1,607 | $228 |
| Lincoln charter, MI | $200 | $687 | $887 | $499 | $699 | $188 |
| Jenison, MI | $1,500 | $661 | $2,161 | $481 | $1,981 | $181 |
| Hopkins, MI | $200 | $772 | $972 | $561 | $761 | $211 |
| Decatur, MI | $1,500 | $680 | $2,180 | $494 | $1,994 | $186 |
| Home Insurance Company Allegan County, MI | Homeowners Insurance Agency Allegan County, MI | Address | Popularity Score | Distance from Allegan County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Berends Hendricks Stuit | 3055 44th St Sw, Grandville, MI, 49418 | 49.7 | |
| State Farm | Zeke Alejos | 244 James St Ste B, Holland, MI, 49424-2980 | 30.2 | |
| Allstate | Zachary Golin | 8516 Homestead Dr Ste 110, Zeeland, MI, 49464 | 35.9 | |
| State Farm | Laurel Beukelman | 324 N 120th Ave Ste 10, Holland, MI, 49424-3312 | 31.9 | |
| State Farm | Aaron Dozeman | 7589 Cottonwood Dr Ste B, Jenison, MI, 49428-8430 | 48.0 | |
| State Farm | Mike Folkert | 7653 Riverview Dr, Jenison, MI, 49428-6900 | 48.0 | |
| Farmers | Tammy Jones | 4601 134th Ave Ste E, Hamilton, MI, 49419 | 32.9 | |
| State Farm | Andrea Olson | 228 Broadway St, South Haven, MI, 49090-1472 | 22.8 | |
| Farmers | Julian Guzman | 3140 Division Ave Sw, Grandville, MI, 49418 | 49.1 | |
| State Farm | Lynne Farmer | 408 Division St, Bangor, MI, 49013-1112 | 33.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,070 | $540 |
| Allegan County, MI | $150,600 | $771 | $560 | $1,100 | $540 |
| Allegan County, MI | $150,600 | $771 | $530 | $1,070 | $540 |
| Ganges, MI | $193,100 | $850 | $570 | $1,180 | $610 |
| Hagar, MI | $151,200 | $795 | $540 | $1,100 | $560 |
| Port Sheldon, MI | $242,400 | $922 | $640 | $1,280 | $640 |
| Coloma charter, MI | $141,100 | $657 | $450 | $900 | $450 |
| Holland charter, MI | $147,800 | $664 | $480 | $920 | $440 |
| Shoreham, MI | $189,400 | $845 | $620 | $1,190 | $570 |
| Lincoln charter, MI | $176,500 | $696 | $510 | $960 | $450 |
| Jenison, MI | $152,400 | $669 | $450 | $920 | $470 |
| Hopkins, MI | $140,900 | $781 | $530 | $1,070 | $540 |
| Decatur, MI | $81,400 | $688 | $460 | $940 | $480 |