Gavop shows you how to buy homeowners insurance in Wayne 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 | $28,000 | $20,000 | $25,000-$50,000 |
| 2 Bedroom | $71,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $91,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $110,500 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $173,000 | $150,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$130 | $556 |
| Superior Protection Discount | -$69 | $618 |
| Fire & Security Discount | -$48 | $639 |
| Hail Resistant Roof Discount | -$14 | $673 |
| Newly Constructed Home Discount | -$172 | $515 |
| 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 |
| Wayne County | $2,500 | $679 | $3,179 | $493 | $2,993 | $185 |
| Wayne County, MI | $1,500 | $679 | $2,179 | $493 | $1,993 | $185 |
| Brownstown charter, MI | $500 | $675 | $1,175 | $490 | $990 | $184 |
| Center Line, MI | $700 | $601 | $1,301 | $437 | $1,137 | $164 |
| Estral Beach, MI | $100 | $786 | $886 | $572 | $672 | $215 |
| Ann Arbor charter, MI | $1,500 | $1,680 | $3,180 | $1,221 | $2,721 | $459 |
| Stony Point, MI | $400 | $739 | $1,139 | $537 | $937 | $202 |
| Hamburg, MI | $2,000 | $757 | $2,757 | $550 | $2,550 | $207 |
| Genoa, MI | $400 | $771 | $1,171 | $560 | $960 | $211 |
| Oceola, MI | $1,500 | $744 | $2,244 | $541 | $2,041 | $203 |
| Ortonville, MI | $200 | $797 | $997 | $579 | $779 | $218 |
| Whiteford, MI | $700 | $807 | $1,507 | $587 | $1,287 | $221 |
| Home Insurance Company Wayne County, MI | Homeowners Insurance Agency Wayne County, MI | Address | Popularity Score | Distance from Wayne County (miles) |
|---|---|---|---|---|
| State Farm | Steve Hale | 25810 Plymouth Rd, Redford, MI, 48239-2102 | 6.2 | |
| Allstate | Marty Knollenberg | 198 E Big Beaver Rd, Troy, MI, 48083 | 20.1 | |
| Allstate | Michael Blum | 2032 E Square Lake Rd Ste 500, Troy, MI, 48085 | 23.6 | |
| State Farm | Wally Doran | 3601 West Road, Trenton, MI, 48183-2282 | 10.2 | |
| Allstate | Willard R. Odell Jr | 1469 Fort St, Wyandotte, MI, 48192 | 6.2 | |
| State Farm | Clay Nissan | 1645 S Wayne Rd, Westland, MI, 48186-5621 | 6.5 | |
| Allstate | Shauna Johnson | 19562 Grand River Ave, Detroit, MI, 48223 | 8.6 | |
| State Farm | Jim Saucedo | 5602 W Vernor Hwy, Detroit, MI, 48209-2158 | 8.5 | |
| State Farm | Bert Kozlowski | 16260 King Rd, Riverview, MI, 48193-7940 | 9.2 | |
| State Farm | Lisa Lindbloom | 29510 Ford Rd, Garden City, MI, 48135-2318 | 4.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $550 | $1,110 | $560 |
| Wayne County, MI | $92,400 | $687 | $490 | $980 | $490 |
| Wayne County, MI | $92,400 | $687 | $500 | $980 | $480 |
| Brownstown charter, MI | $164,700 | $683 | $460 | $970 | $510 |
| Center Line, MI | $63,700 | $608 | $440 | $870 | $430 |
| Estral Beach, MI | $151,400 | $796 | $530 | $1,110 | $580 |
| Ann Arbor charter, MI | $453,300 | $1,700 | $1,140 | $2,330 | $1,190 |
| Stony Point, MI | $117,100 | $748 | $520 | $1,070 | $550 |
| Hamburg, MI | $235,900 | $766 | $520 | $1,060 | $540 |
| Genoa, MI | $246,500 | $780 | $570 | $1,110 | $540 |
| Oceola, MI | $226,100 | $753 | $550 | $1,070 | $520 |
| Ortonville, MI | $160,200 | $807 | $570 | $1,150 | $580 |
| Whiteford, MI | $167,700 | $817 | $580 | $1,140 | $560 |