Gavop shows you how to buy homeowners insurance in Howard, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Howard, 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 | |
| Korn, Douer St, Meadow St, Huntly Rd, Cherry St, Honeysuckle Rd, New York Ave, Pokagon, S Lowe St, Vermont St | $187,000 | $150,000 | $175,000-$200,000 | $132,000 | $120,000 | $100,000-$125,000 |
| Pike St, Caruthers St, Wood Rd, Huff Ave, Randall Ave, Coulter St, Wild St, Thomson Rd, W High St, Broad St | $164,500 | $150,000 | $150,000-$175,000 | $148,500 | $120,000 | $150,000-$175,000 |
| Dodge Ct, Dodd Rd, Blanchard Dr, Cass Ave, Beckman Ln, Cora St, Pearson Ave, Gilbert Ave, Woodhouse Dr, Dewey St | $139,500 | $110,000 | $125,000-$150,000 | $130,000 | $110,000 | $100,000-$125,000 |
| Horton Ct, Thomson Rd, Clark Ln, Catalina Dr, Thunderbird Dr, Klumbis Rd, Grand Blvd, Bartak St, Lyle St, Maple Ln | $196,500 | $170,000 | $200,000-$250,000 | $96,000 | $80,000 | $75,000-$100,000 |
| Juniper Rd, 3rd Ave, Anderson Rd, Spruce St, Hyrne Ave, N Lowe St, Terminal Rd, Woodard St, Stephenson Rd, Cook St | $141,000 | $130,000 | $150,000-$175,000 | $93,000 | $80,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$63 | $632 |
| Home and Two Car | -$111 | $584 |
| Home and Three Car | -$174 | $521 |
| 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 |
| Cass County | $700 | $731 | $1,431 | $531 | $1,231 | $200 |
| Howard, MI | $1,500 | $686 | $2,186 | $499 | $1,999 | $188 |
| Stevensville, MI | $200 | $750 | $950 | $545 | $745 | $205 |
| Hudson, IN | $700 | $802 | $1,502 | $583 | $1,283 | $219 |
| Florence, MI | $100 | $740 | $840 | $538 | $638 | $202 |
| Michiana Shores, IN | $1,500 | $1,315 | $2,815 | $956 | $2,456 | $359 |
| West, IN | $500 | $918 | $1,418 | $667 | $1,167 | $251 |
| LaGrange County, IN | $2,000 | $904 | $2,904 | $657 | $2,657 | $247 |
| Beverly Shores, IN | $200 | $1,720 | $1,920 | $1,250 | $1,450 | $470 |
| Leonidas, MI | $2,000 | $767 | $2,767 | $557 | $2,557 | $210 |
| Plainwell, MI | $200 | $744 | $944 | $541 | $741 | $203 |
| Home Insurance Company Howard, MI | Homeowners Insurance Agency Howard, MI | Address | Popularity Score | Distance from Howard (miles) |
|---|---|---|---|---|
| State Farm | David Miller | 1011 Broadway St, Niles, MI, 49120-2762 | 4.6 | |
| Liberty Mutual Independent | Mahar Insurance Agency | 210 W Division St, Dowagiac, MI, 49047 | 9.3 | |
| State Farm | Dondi Squires | 249 E Michigan Ave, Paw Paw, MI, 49079-1427 | 28.8 | |
| Allstate | Jeff Duncan | 1595 W Centre Ave Ste 201, Portage, MI, 49024 | 37.4 | |
| State Farm | Lorie Bowers | 68935 Gateway Dr, Edwardsburg, MI, 49112-9491 | 6.1 | |
| Liberty Mutual Independent | Mahar Insurance Agency | 210 W Division St, Dowagiac, MI, 49047 | 9.3 | |
| Allstate | Janet Gray | 1256 E Centre Ave, Portage, MI, 49002 | 38.7 | |
| State Farm | Tom Rossi | 5929 Portage Rd, Portage, MI, 49002-1726 | 40.6 | |
| Farmers | Bob Strobel | 5945 W Main St Ste 104, Kalamazoo, MI, 49009 | 39.8 | |
| State Farm | Scott Stewart | 2429 S 11th St, Niles, MI, 49120-4413 | 6.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $520 | $1,060 | $540 |
| Cass County, MI | $127,600 | $740 | $530 | $1,040 | $510 |
| Howard, MI | $116,500 | $695 | $500 | $990 | $490 |
| Stevensville, MI | $124,800 | $759 | $520 | $1,040 | $520 |
| Hudson, IN | $118,600 | $812 | $580 | $1,150 | $570 |
| Florence, MI | $117,900 | $749 | $550 | $1,030 | $480 |
| Michiana Shores, IN | $359,600 | $1,331 | $960 | $1,880 | $920 |
| West, IN | $162,000 | $929 | $680 | $1,330 | $650 |
| LaGrange County, IN | $172,500 | $915 | $650 | $1,260 | $610 |
| Beverly Shores, IN | $456,900 | $1,741 | $1,200 | $2,450 | $1,250 |
| Leonidas, MI | $136,600 | $776 | $560 | $1,110 | $550 |
| Plainwell, MI | $121,000 | $753 | $500 | $1,060 | $560 |