Gavop's guide to buying homeowners insurance in Brighton, 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.
| Brighton, MI - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Pine Needle Dr, Marsh Rdg, Odoherty Rd, S Bunker Hill Dr, Laurel Springs, Ridgecrest Ln, Balmoral Dr, Kierstan Dr, Woodvale Trl, Kensington Rd | $313,000 | $260,000 | $250,000-$300,000 | $459,000 | $430,000 | $400,000-$500,000 |
| N Christine Dr, Highgate Trl, Alger Dr, Woodruff Lake Dr, Don Leith Dr, Josey Ln, Huskey Ct, Toli Trl, Citation, Larkins Rd | $257,000 | $220,000 | $200,000-$250,000 | $271,500 | $250,000 | $300,000-$350,000 |
| Highlawn Way, Scenic Pointe Ct, Village Sq, Pike, Shinnecock Dr, Donna Lou Dr, Daubony Dr, Will Ml, Winsted Ln, Chancelor Dr | $203,000 | $170,000 | $175,000-$200,000 | $300,000 | $280,000 | $300,000-$350,000 |
| Covington, Red Fox Dr, Hunter Rd, Trumpet, Coral Dr, Doa Ln, Margo Dr, Appian Way, Moraine Dr, Casa Loma | $209,500 | $180,000 | $200,000-$250,000 | $508,000 | $420,000 | $400,000-$500,000 |
| Toby Dr, Hanover Ln, Hillside, Kathleen Dr, Via Corta, Spring Lake Ln, Eagle Center Dr, Bayshore Pt, Pine Valley Trl, Olde Hawthorne Dr | $194,500 | $160,000 | $150,000-$175,000 | $318,500 | $260,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $691 |
| Superior Protection Discount | -$80 | $723 |
| Fire & Security Discount | -$56 | $747 |
| Hail Resistant Roof Discount | -$24 | $779 |
| Newly Constructed Home Discount | -$209 | $594 |
| 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 |
| Livingston County | $2,000 | $849 | $2,849 | $617 | $2,617 | $232 |
| Brighton, MI | $2,500 | $793 | $3,293 | $577 | $3,077 | $217 |
| Webster, MI | $500 | $919 | $1,419 | $668 | $1,168 | $251 |
| West Bloomfield charter, MI | $2,500 | $827 | $3,327 | $601 | $3,101 | $226 |
| Groveland, MI | $200 | $732 | $932 | $532 | $732 | $200 |
| Vernon, MI | $2,500 | $730 | $3,230 | $531 | $3,031 | $200 |
| Lake Orion, MI | $100 | $952 | $1,052 | $692 | $792 | $260 |
| Leoni, MI | $700 | $693 | $1,393 | $503 | $1,203 | $189 |
| Haslett, MI | $300 | $688 | $988 | $500 | $800 | $188 |
| Cement City, MI | $1,500 | $651 | $2,151 | $473 | $1,973 | $178 |
| Waverly, MI | $300 | $659 | $959 | $479 | $779 | $180 |
| Birch Run, MI | $1,000 | $653 | $1,653 | $475 | $1,475 | $178 |
| Home Insurance Company Brighton, MI | Homeowners Insurance Agency Brighton, MI | Address | Popularity Score | Distance from Brighton (miles) |
|---|---|---|---|---|
| Farmers | Frank Mathias | 22908 Pontiac Trl, South Lyon, MI, 48178 | 8.4 | |
| Allstate | Ali Abdallah | 4211 W 13 Mile Rd, Royal Oak, MI, 48073 | 27.0 | |
| Liberty Mutual Independent | Autumn Associates | 33930 W 8 Mile Road Ste 2a , Farmington, MI, 48335 | 19.5 | |
| State Farm | Jeremy Yarbrough | 130 S Main St, Almont, MI, 48003-1066 | 42.8 | |
| State Farm | Tim Miller | 24300 Southfield Rd Ste 309, Southfield, MI, 48075-2860 | 26.6 | |
| State Farm | Jim Schian | 5204 Davison Rd, Burton, MI, 48509-1570 | 33.3 | |
| Allstate | Nicholas Schrock | 23225 Woodward Ave, Ferndale, MI, 48220 | 30.8 | |
| State Farm | Michael Kovach | 259 N Main St, Plymouth, MI, 48170-1238 | 18.5 | |
| State Farm | Kathy Loveridge | 13344 Dix Toledo Rd, Southgate, MI, 48195-1850 | 36.3 | |
| State Farm | Kevin Visintainer | 6721 Park Avenue, Allen Park, MI, 48101-2033 | 33.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,110 | $580 |
| Livingston County, MI | $218,700 | $859 | $610 | $1,220 | $610 |
| Brighton, MI | $261,900 | $803 | $580 | $1,150 | $570 |
| Webster, MI | $381,600 | $930 | $680 | $1,280 | $600 |
| West Bloomfield charter, MI | $281,700 | $837 | $570 | $1,200 | $630 |
| Groveland, MI | $216,000 | $741 | $500 | $1,040 | $540 |
| Vernon, MI | $111,400 | $739 | $530 | $1,050 | $520 |
| Lake Orion, MI | $266,100 | $964 | $670 | $1,340 | $670 |
| Leoni, MI | $121,400 | $701 | $500 | $1,000 | $500 |
| Haslett, MI | $177,000 | $696 | $500 | $950 | $450 |
| Cement City, MI | $66,300 | $659 | $470 | $940 | $470 |
| Waverly, MI | $150,000 | $667 | $480 | $910 | $430 |
| Birch Run, MI | $145,000 | $661 | $480 | $910 | $430 |