Gavop shows you how to buy homeowners insurance in St. Clair 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.
| St. Clair 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 | |
| Drexler Rd, White St, Holland Ave, Ruddock Rd, Bart Dr, Bedford, Smith Rd, Riverview St, la Croix Rd, Reid Ave | $316,500 | $260,000 | $250,000-$300,000 | $186,000 | $180,000 | $150,000-$175,000 |
| Shamrock Dr, I- 94, Walnut Dr, Briggeman Rd, Kendall, Adams St, Burt Rd, Duce Rd, Sycamore Ct, Grant Ave | $118,000 | $100,000 | $100,000-$125,000 | $109,500 | $100,000 | $100,000-$125,000 |
| Loretta, Fenner Mobile, Nautical Ct, Kendall St, Maitland Rd, Beach Village, W Water St, Barberry Dr, Morris Rd, Woodland Estates Dr | $152,000 | $140,000 | $125,000-$150,000 | $116,000 | $100,000 | $100,000-$125,000 |
| Golfside Dr, Park Dr, Jordan Rd, Manchester Dr, E Bluebird Ln, Crawford Rd, Pointe Dr, Plaza Dr, Dixie Blvd, Spring St | $170,000 | $140,000 | $125,000-$150,000 | $112,000 | $100,000 | $100,000-$125,000 |
| Hunters Crossing Blvd, W Pointe, Braeburn, Aspen Dr, S Plaza Dr, Hackman Rd, Palmer Rd, Thompson Dr, N 7th St, S Dockside Dr | $129,000 | $110,000 | $125,000-$150,000 | $103,000 | $90,000 | $100,000-$125,000 |
| Joanwood Dr, Indian Trl, Marion, Witt Rd, Tripp Rd, Saint Pierre Dr, Cribbins Rd, Electric Ave, Pine Creek Ln, Hillock Dr | $228,000 | $210,000 | $200,000-$250,000 | $167,500 | $140,000 | $125,000-$150,000 |
| Bancroft St, Ponderosa Ave, S 7th St, S Market St, E Saint Clair St, N Elizabeth St, Southland Dr, Allen Rd, Saint Clair Shores Blvd, Ojibway Dr | $156,000 | $130,000 | $150,000-$175,000 | $64,000 | $60,000 | $50,000-$75,000 |
| Clinton Ave, Washington Ave, Burns Ct, N Parker St, Fisher Rd, Henry St, Cameron Rd, N Woodland Dr, Donald Ave, Superior Mall | $209,500 | $180,000 | $200,000-$250,000 | $113,500 | $110,000 | $100,000-$125,000 |
| E Aldrich St, Meadowlark Ln, Cherry St, Myron Rd, Masters Rd, Tunnel St, Wells St, Veldon Ln, Guizar Ave, Highland Ct | $159,000 | $140,000 | $175,000-$200,000 | $81,000 | $70,000 | $50,000-$75,000 |
| Oak Leaf Dr, Bailey Rd, Harvey Rd, S Bartlett Rd, Maple Rd, Indian Trl, S Riverside Ave, Round Tree Dr, Delta Dr, Tibbets Rd | $224,000 | $190,000 | $250,000-$300,000 | $107,500 | $100,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $630 |
| Superior Protection Discount | -$67 | $682 |
| Fire & Security Discount | -$75 | $675 |
| Hail Resistant Roof Discount | -$22 | $727 |
| Newly Constructed Home Discount | -$180 | $570 |
| 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. Clair County | $1,000 | $741 | $1,741 | $538 | $1,538 | $202 |
| St. Clair County, MI | $1,500 | $741 | $2,241 | $538 | $2,038 | $202 |
| Kimball, MI | $100 | $691 | $791 | $502 | $602 | $189 |
| Goodland, MI | $700 | $810 | $1,510 | $589 | $1,289 | $221 |
| Brown City, MI | $300 | $671 | $971 | $488 | $788 | $183 |
| Oxford, MI | $700 | $820 | $1,520 | $596 | $1,296 | $224 |
| Lake Angelus, MI | $100 | $559 | $659 | $407 | $507 | $153 |
| Grosse Pointe Farms, MI | $700 | $858 | $1,558 | $624 | $1,324 | $235 |
| Koylton, MI | $400 | $719 | $1,119 | $523 | $923 | $197 |
| Berkley, MI | $2,500 | $684 | $3,184 | $497 | $2,997 | $187 |
| Waterford charter, MI | $100 | $654 | $754 | $475 | $575 | $179 |
| Forest, MI | $1,000 | $727 | $1,727 | $528 | $1,528 | $199 |
| Home Insurance Company St. Clair County, MI | Homeowners Insurance Agency St. Clair County, MI | Address | Popularity Score | Distance from St. Clair County (miles) |
|---|---|---|---|---|
| Nationwide | Sheila Hughes Agency Inc | 32740 Grand River, Farmington, MI, 48336 | 48.1 | |
| State Farm | Jordan Tracey | 1723 W 14 Mile Rd, Royal Oak, MI, 48073-1728 | 37.2 | |
| State Farm | Mary Curran | 28151 Woodward Ave, Berkley, MI, 48072-0910 | 39.1 | |
| Liberty Mutual Independent | Mason-Mcbride Inc | 3290 West Big Beaver Rd Suite 503, Troy, MI, 48084 | 36.8 | |
| State Farm | Terrill Mayberry | 33622 Woodward Ave, Birmingham, MI, 48009-0910 | 38.4 | |
| Liberty Mutual Independent | Consolidated Agencies Inc. | 33261 Woodward Ave, Birmingham, MI, 48009 | 38.5 | |
| Allstate | John Kunz | 35220 23 Mile Rd, New Baltimore, MI, 48047 | 17.9 | |
| Allstate | James Lafranca | 29930 23 Mile Rd, Chesterfield, MI, 48047 | 18.9 | |
| Allstate | David Wagner | 52947 Gratiot Ave, Chesterfield, MI, 48051 | 18.3 | |
| State Farm | Andy Preston | 2484 Black River Street, Deckerville, MI, 48427 | 41.4 |
| 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 |
| St. Clair County, MI | $135,000 | $750 | $510 | $1,030 | $520 |
| St. Clair County, MI | $135,000 | $750 | $540 | $1,060 | $520 |
| Kimball, MI | $119,800 | $699 | $500 | $970 | $470 |
| Goodland, MI | $170,200 | $820 | $570 | $1,120 | $550 |
| Brown City, MI | $76,300 | $679 | $450 | $960 | $510 |
| Oxford, MI | $177,900 | $830 | $610 | $1,170 | $560 |
| Lake Angelus, MI | $1,071,400 | $566 | $390 | $790 | $400 |
| Grosse Pointe Farms, MI | $298,400 | $869 | $590 | $1,230 | $640 |
| Koylton, MI | $104,500 | $728 | $520 | $1,040 | $520 |
| Berkley, MI | $172,800 | $692 | $480 | $960 | $480 |
| Waterford charter, MI | $145,900 | $662 | $450 | $950 | $500 |
| Forest, MI | $109,500 | $736 | $490 | $1,050 | $560 |