Gavop shows you how to buy homeowners insurance in St. Joseph, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $53,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $78,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $151,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $269,000 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $143,500 | $120,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $589 |
| Superior Protection Discount | -$68 | $616 |
| Fire & Security Discount | -$68 | $616 |
| Hail Resistant Roof Discount | -$14 | $671 |
| Newly Constructed Home Discount | -$192 | $493 |
| 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 |
| Berrien County | $2,000 | $748 | $2,748 | $544 | $2,544 | $205 |
| St. Joseph, MI | $1,500 | $676 | $2,176 | $492 | $1,992 | $185 |
| Shorewood-Tower Hills-Harbert, MI | $300 | $921 | $1,221 | $669 | $969 | $252 |
| LaGrange, MI | $2,500 | $707 | $3,207 | $514 | $3,014 | $193 |
| Vandalia, MI | $1,500 | $636 | $2,136 | $462 | $1,962 | $174 |
| Gobles, MI | $500 | $680 | $1,180 | $494 | $994 | $186 |
| Almena, MI | $1,500 | $843 | $2,343 | $612 | $2,112 | $230 |
| Kingsbury, IN | $400 | $775 | $1,175 | $563 | $963 | $212 |
| Flowerfield, MI | $1,000 | $783 | $1,783 | $569 | $1,569 | $214 |
| Kingsford Heights, IN | $100 | $608 | $708 | $442 | $542 | $166 |
| Polk, IN | $2,500 | $811 | $3,311 | $589 | $3,089 | $222 |
| Home Insurance Company St. Joseph, MI | Homeowners Insurance Agency St. Joseph, MI | Address | Popularity Score | Distance from St. Joseph (miles) |
|---|---|---|---|---|
| State Farm | Jeremy Weitting | 911 Dix St Ste A, Otsego, MI, 49078-1609 | 47.9 | |
| Liberty Mutual Independent | Whitaker-Lachance | 2176 E Centre Ave, Portage, MI, 49002 | 48.0 | |
| Allstate | Melissa Kleinert | 531 N Grand St # B, Schoolcraft, MI, 49087 | 43.8 | |
| Liberty Mutual Independent | Lake-Shores Insurance Agency | 5604 Cleveland Ave, Stevensville, MI, 49127 | 5.7 | |
| Allstate | Jeff Duncan | 1595 W Centre Ave Ste 201, Portage, MI, 49024 | 45.8 | |
| State Farm | Lorie Bowers | 68935 Gateway Dr, Edwardsburg, MI, 49112-9491 | 29.7 | |
| Liberty Mutual Independent | Mahar Insurance Agency | 210 W Division St, Dowagiac, MI, 49047 | 21.1 | |
| State Farm | Susan O'Connell | 2317 E Centre Ave, Portage, MI, 49002-4422 | 48.1 | |
| State Farm | Jason Vadney | 4078 Red Arrow Hwy, Saint Joseph, MI, 49085-9209 | 4.0 | |
| Farmers | Tammy Jones | 4601 134th Ave Ste E, Hamilton, MI, 49419 | 46.6 |
| 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 |
| Berrien County, MI | $140,900 | $758 | $540 | $1,050 | $510 |
| St. Joseph, MI | $166,300 | $685 | $460 | $940 | $480 |
| Shorewood-Tower Hills-Harbert, MI | $248,300 | $932 | $660 | $1,280 | $620 |
| LaGrange, MI | $96,900 | $716 | $490 | $1,000 | $510 |
| Vandalia, MI | $59,300 | $644 | $430 | $910 | $480 |
| Gobles, MI | $81,000 | $688 | $470 | $970 | $500 |
| Almena, MI | $195,000 | $853 | $610 | $1,200 | $590 |
| Kingsbury, IN | $110,000 | $784 | $560 | $1,070 | $510 |
| Flowerfield, MI | $149,800 | $793 | $560 | $1,090 | $530 |
| Kingsford Heights, IN | $66,800 | $615 | $440 | $880 | $440 |
| Polk, IN | $121,600 | $821 | $560 | $1,130 | $570 |