Gavop shows you how to buy homeowners insurance in Hillsdale 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $38,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $87,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $96,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $174,500 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $268,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $574 |
| Superior Protection Discount | -$64 | $644 |
| Fire & Security Discount | -$78 | $630 |
| Hail Resistant Roof Discount | -$21 | $687 |
| Newly Constructed Home Discount | -$177 | $531 |
| 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 |
| Hillsdale County | $2,000 | $700 | $2,700 | $508 | $2,508 | $191 |
| Hillsdale County, MI | $700 | $700 | $1,400 | $508 | $1,208 | $191 |
| Cement City, MI | $500 | $651 | $1,151 | $473 | $973 | $178 |
| Orland, IN | $1,500 | $681 | $2,181 | $495 | $1,995 | $186 |
| Palmyra, MI | $100 | $738 | $838 | $536 | $636 | $202 |
| Ogden, MI | $2,000 | $728 | $2,728 | $529 | $2,529 | $199 |
| Mark, OH | $400 | $720 | $1,120 | $523 | $923 | $197 |
| Allen, IN | $700 | $649 | $1,349 | $472 | $1,172 | $177 |
| Lyndon, MI | $200 | $917 | $1,117 | $666 | $866 | $251 |
| Leo-Cedarville, IN | $1,000 | $977 | $1,977 | $710 | $1,710 | $267 |
| Highland, OH | $300 | $658 | $958 | $478 | $778 | $180 |
| Shipshewana, IN | $1,500 | $916 | $2,416 | $666 | $2,166 | $250 |
| Home Insurance Company Hillsdale County, MI | Homeowners Insurance Agency Hillsdale County, MI | Address | Popularity Score | Distance from Hillsdale County (miles) |
|---|---|---|---|---|
| State Farm | Kevin Winter | 954 W Monroe St, Jackson, MI, 49202-2065 | 29.8 | |
| Liberty Mutual Independent | Adrian Insurance Agency Inc | 110 N Main St, Adrian, MI, 49221 | 31.4 | |
| Allstate | A&M Agency | 445 E Michigan Ave, Saline, MI, 48176 | 49.5 | |
| State Farm | Greg Elliott | 3074 W Beecher Rd, Adrian, MI, 49221-9702 | 28.8 | |
| State Farm | Scott Sinotte | 1001 E Chicago Rd, Sturgis, MI, 49091-1972 | 39.7 | |
| State Farm | John Chmiel | 409 Columbia Ave W, Battle Creek, MI, 49015-3356 | 41.7 | |
| Farmers | James Pelham | 2500 Occidental Hwy, Adrian, MI, 49221 | 34.7 | |
| State Farm | Dave Dennis | 995 S Main St Ste B, Adrian, MI, 49221-3883 | 30.9 | |
| State Farm | Matt Donnellon | 305 Beaufort St, Manchester, MI, 48158-8568 | 36.9 | |
| State Farm | Bill Ballagh | 12671 E Old Us 12 Suite B, Chelsea, MI, 48118 | 45.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $570 | $1,100 | $530 |
| Hillsdale County, MI | $105,600 | $708 | $480 | $980 | $500 |
| Hillsdale County, MI | $105,600 | $708 | $500 | $980 | $480 |
| Cement City, MI | $66,300 | $659 | $450 | $940 | $490 |
| Orland, IN | $84,100 | $689 | $490 | $950 | $460 |
| Palmyra, MI | $116,400 | $747 | $550 | $1,040 | $490 |
| Ogden, MI | $109,900 | $737 | $500 | $1,010 | $510 |
| Mark, OH | $143,100 | $729 | $520 | $1,000 | $480 |
| Allen, IN | $109,400 | $657 | $480 | $910 | $430 |
| Lyndon, MI | $246,100 | $928 | $640 | $1,290 | $650 |
| Leo-Cedarville, IN | $190,000 | $989 | $720 | $1,360 | $640 |
| Highland, OH | $115,900 | $666 | $450 | $930 | $480 |
| Shipshewana, IN | $160,900 | $927 | $660 | $1,270 | $610 |