Gavop's guide to buying homeowners insurance in Freeland, 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 | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $151,500 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $114,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $165,000 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $311,500 | $280,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $615 |
| Home and Two Car | -$115 | $561 |
| Home and Three Car | -$156 | $521 |
| 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 |
| Saginaw County | $1,500 | $682 | $2,182 | $496 | $1,996 | $186 |
| Freeland, MI | $2,500 | $668 | $3,168 | $486 | $2,986 | $183 |
| Hemlock, MI | $400 | $700 | $1,100 | $509 | $909 | $191 |
| Mount Forest, MI | $1,000 | $716 | $1,716 | $521 | $1,521 | $196 |
| Gilford, MI | $200 | $714 | $914 | $519 | $719 | $195 |
| North Star, MI | $700 | $733 | $1,433 | $533 | $1,233 | $200 |
| Coleman, MI | $500 | $653 | $1,153 | $475 | $975 | $178 |
| Hazelton, MI | $2,000 | $760 | $2,760 | $552 | $2,552 | $208 |
| Juniata, MI | $400 | $727 | $1,127 | $528 | $928 | $199 |
| North Shade, MI | $2,500 | $730 | $3,230 | $531 | $3,031 | $200 |
| Bengal, MI | $400 | $807 | $1,207 | $587 | $987 | $221 |
| Hubbardston, MI | $700 | $674 | $1,374 | $490 | $1,190 | $184 |
| Home Insurance Company Freeland, MI | Homeowners Insurance Agency Freeland, MI | Address | Popularity Score | Distance from Freeland (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Heritage Wise Group | 6660 Gratiot Rd, Saginaw, MI, 48609 | 7.8 | |
| State Farm | Aaron Lang | 4713 State Street, Saginaw, MI, 48603-3808 | 7.7 | |
| Farmers | Andy Hinojosa | 8445 S Saginaw St Ste 104, Grand Blanc, MI, 48439 | 49.4 | |
| State Farm | Karl Briggs | 1244 N Mich Ave, Saginaw, MI, 48602-4728 | 10.0 | |
| State Farm | Paul Donnelly | 6353 S Saginaw Rd, Grand Blanc, MI, 48439-8140 | 46.6 | |
| State Farm | Stan Ring | 113 E Grnd Blanc Rd Ste B, Grand Blanc, MI, 48439-3319 | 47.5 | |
| Travelers | Al Bourdeau Insurance Agency | 3835 Davison Rd, Flint, MI, 48508 | 41.2 | |
| State Farm | Howard Szaroletta | 3741 Tittabawassee Rd Ste B, Saginaw, MI, 48604-8208 | 6.8 | |
| State Farm | Ron Gillum Jr | 3692 E Court St, Flint, MI, 48506-4106 | 42.0 | |
| State Farm | Rick Jackson | 11225 S Saginaw St Ste 5, Grand Blanc, MI, 48439-1285 | 47.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,100 | $540 |
| Saginaw County, MI | $94,900 | $691 | $490 | $950 | $460 |
| Freeland, MI | $158,200 | $676 | $460 | $930 | $470 |
| Hemlock, MI | $93,000 | $709 | $480 | $1,010 | $530 |
| Mount Forest, MI | $102,500 | $725 | $490 | $1,010 | $520 |
| Gilford, MI | $101,500 | $723 | $480 | $990 | $510 |
| North Star, MI | $113,400 | $742 | $500 | $1,030 | $530 |
| Coleman, MI | $67,100 | $661 | $480 | $940 | $460 |
| Hazelton, MI | $132,100 | $769 | $560 | $1,070 | $510 |
| Juniata, MI | $109,400 | $736 | $530 | $1,010 | $480 |
| North Shade, MI | $111,600 | $739 | $520 | $1,060 | $540 |
| Bengal, MI | $167,800 | $817 | $590 | $1,160 | $570 |
| Hubbardston, MI | $77,900 | $682 | $490 | $950 | $460 |