Gavop shows you how to buy homeowners insurance in St. Clair, 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, 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 | |
| E Mill Creek, Vine St, Irene Dr, Cuttle Rd, Grandview Ct, Ketchum Rd, S Bartlett Rd, S Rober Blvd, Lost Deer Ln, Hillcrest Ct | $130,000 | $120,000 | $100,000-$125,000 | $115,500 | $100,000 | $125,000-$150,000 |
| Allen Rd, Lincoln Rd, Pine Ridge Rd, Jessica Ln, S Richman Rd, Kennedy Rd, Cour Regis St, Fitzgerald Rd, Mahren Rd, Big Hand Rd | $131,000 | $110,000 | $125,000-$150,000 | $167,000 | $140,000 | $150,000-$175,000 |
| Davis Rd, Melody Ct, Hunters Park E, Carriage Ln, Garden Ct, Airport Dr, Golfside Dr, Serenity Ln, Randswood, Elmer Dr | $233,500 | $190,000 | $250,000-$300,000 | $110,000 | $100,000 | $125,000-$150,000 |
| Neuman Rd, Allington Rd, Cuttle Rd, River Shores Dr, Klettner Rd, E Hill Creek, Blue River Dr, Rattle Run Rd, Rober Blvd, Hyslop Rd | $193,000 | $180,000 | $200,000-$250,000 | $102,000 | $90,000 | $100,000-$125,000 |
| S River Rd, Pine River Rd, Allington Rd, Park Ave, Fairway Ct, Glynn St, Equestrian Dr, Murphy Dr, Marshall Dr, Deer Meadow Ln | $229,000 | $200,000 | $200,000-$250,000 | $152,500 | $120,000 | $150,000-$175,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$57 | $659 |
| Home and Two Car | -$115 | $602 |
| Home and Three Car | -$165 | $552 |
| 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 | $1,500 | $741 | $2,241 | $538 | $2,038 | $202 |
| St. Clair, MI | $2,500 | $708 | $3,208 | $514 | $3,014 | $193 |
| Marysville, MI | $400 | $696 | $1,096 | $505 | $905 | $190 |
| Harrison charter, MI | $1,500 | $673 | $2,173 | $489 | $1,989 | $184 |
| Almont, MI | $300 | $678 | $978 | $493 | $793 | $185 |
| Rochester, MI | $1,000 | $793 | $1,793 | $576 | $1,576 | $217 |
| Warren, MI | $200 | $694 | $894 | $504 | $704 | $190 |
| Grosse Pointe Park, MI | $2,000 | $790 | $2,790 | $574 | $2,574 | $216 |
| Carsonville, MI | $100 | $646 | $746 | $470 | $570 | $177 |
| Detroit, MI | $1,000 | $847 | $1,847 | $615 | $1,615 | $231 |
| Ortonville, MI | $500 | $797 | $1,297 | $579 | $1,079 | $218 |
| Village of Clarkston, MI | $2,000 | $967 | $2,967 | $703 | $2,703 | $264 |
| Home Insurance Company St. Clair, MI | Homeowners Insurance Agency St. Clair, MI | Address | Popularity Score | Distance from St. Clair (miles) |
|---|---|---|---|---|
| Allstate | John Ivkov | 42770 Van Dyke Ave, Sterling Heights, MI, 48314 | 29.9 | |
| State Farm | Nick Morang | 7726 Auburn Rd, Utica, MI, 48317-5221 | 29.3 | |
| State Farm | Jennifer Sobier | 5276 Pte Tremble Rd, Algonac, MI, 48001-4365 | 16.5 | |
| Farmers | Maryann Eickmann | 33180 Groesbeck Hwy, Fraser, MI, 48026 | 29.4 | |
| Allstate | James Lafranca | 29930 23 Mile Rd, Chesterfield, MI, 48047 | 18.3 | |
| State Farm | Ed Lazar | 18352 Mack Ave, Grosse Pointe, MI, 48236-3219 | 36.2 | |
| State Farm | Ken Mazzola | 1826 E Auburn Road, Rochester Hills, MI, 48307-4884 | 31.6 | |
| Allstate | David Wagner | 52947 Gratiot Ave, Chesterfield, MI, 48051 | 18.1 | |
| State Farm | Meg Spinale | 16231 W 14 Mile Rd, Beverly Hills, MI, 48025-3323 | 40.5 | |
| State Farm | Clara Chaney | 51082 D W Seaton Dr, Chesterfield, MI, 48047-1404 | 17.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,070 | $510 |
| St. Clair County, MI | $135,000 | $750 | $500 | $1,070 | $570 |
| St. Clair, MI | $195,400 | $717 | $490 | $990 | $500 |
| Marysville, MI | $123,200 | $704 | $510 | $960 | $450 |
| Harrison charter, MI | $163,400 | $681 | $490 | $970 | $480 |
| Almont, MI | $167,500 | $686 | $470 | $980 | $510 |
| Rochester, MI | $333,000 | $803 | $550 | $1,150 | $600 |
| Warren, MI | $102,100 | $702 | $470 | $1,000 | $530 |
| Grosse Pointe Park, MI | $332,000 | $800 | $570 | $1,140 | $570 |
| Carsonville, MI | $64,000 | $654 | $480 | $900 | $420 |
| Detroit, MI | $42,800 | $857 | $630 | $1,170 | $540 |
| Ortonville, MI | $160,200 | $807 | $540 | $1,120 | $580 |
| Village of Clarkston, MI | $273,400 | $979 | $710 | $1,340 | $630 |