Gavop's guide to buying homeowners insurance in Columbia, 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.
| Columbia, 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 | |
| Jordan Dr, Antcliff, North St, Ackerson Lake Rd, River St, Sandbeach Rd, Hastings Rd, Vineyard Ct, Wilkshire Dr, Pearl St | $157,500 | $140,000 | $150,000-$175,000 | $169,500 | $150,000 | $150,000-$175,000 |
| Jason Dr, Grandpoint Dr, Dearmyer Rd, Camelot Ct, St Clair Cir, Pleasant View Dr, Pauline Dr, Wamplers Lake Rd, Foxworth Ct, Aberdeen Dr | $131,000 | $110,000 | $125,000-$150,000 | $107,500 | $100,000 | $100,000-$125,000 |
| Skylark Dr, Peninsula Dr, Channel Dr, Feller, Russell Ct, Garrison Dr, Riverside Rd, Sussex Pl, Highland Ave, Hill Ct | $199,000 | $180,000 | $175,000-$200,000 | $222,500 | $200,000 | $250,000-$300,000 |
| Bennington Ln, Daugherty Rd, Constitution Ave, Reed Rd, Kathy Ln, Kirkley Dr, Banner Rd, Anthony Dr, Taylorfield Rd, Ontario Ct | $175,500 | $160,000 | $175,000-$200,000 | $129,500 | $110,000 | $125,000-$150,000 |
| S Price Lake Dr, Deland Rd, Pheasant Xing, Foxmoore Cts, State Hwy 124, Oakwood Dr, Cranberry Lake, Michigan St, Silkworth Blvd, Point Dr | $142,000 | $130,000 | $125,000-$150,000 | $123,000 | $110,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$63 | $636 |
| Home and Two Car | -$112 | $587 |
| Home and Three Car | -$161 | $538 |
| 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 |
| Jackson County | $700 | $721 | $1,421 | $524 | $1,224 | $197 |
| Columbia, MI | $2,500 | $690 | $3,190 | $502 | $3,002 | $189 |
| Grass Lake, MI | $200 | $772 | $972 | $561 | $761 | $211 |
| Fayette, MI | $2,500 | $785 | $3,285 | $571 | $3,071 | $215 |
| Chesterfield, OH | $100 | $657 | $757 | $477 | $577 | $180 |
| Ypsilanti, MI | $2,000 | $644 | $2,644 | $468 | $2,468 | $176 |
| Eaton, MI | $500 | $780 | $1,280 | $567 | $1,067 | $213 |
| Exeter, MI | $2,000 | $807 | $2,807 | $587 | $2,587 | $221 |
| Monclova, OH | $300 | $770 | $1,070 | $560 | $860 | $210 |
| Monroe charter, MI | $2,500 | $632 | $3,132 | $459 | $2,959 | $173 |
| Brownlee Park, MI | $100 | $595 | $695 | $432 | $532 | $163 |
| Gilead, MI | $2,000 | $749 | $2,749 | $544 | $2,544 | $205 |
| Home Insurance Company Columbia, MI | Homeowners Insurance Agency Columbia, MI | Address | Popularity Score | Distance from Columbia (miles) |
|---|---|---|---|---|
| State Farm | Tom Pelham | 2178 S State St, Ann Arbor, MI, 48104-6280 | 29.4 | |
| Allstate | Sara Tyranski | 2012 S Wayne Rd, Westland, MI, 48186 | 47.4 | |
| State Farm | Dan Demartin | 2515 E Jolly Rd, Lansing, MI, 48910-8544 | 41.9 | |
| State Farm | Scott Orr | 41005 E Huron River Dr, Belleville, MI, 48111-2843 | 43.5 | |
| Allstate | Bill Jones | 32667 Ford Rd, Garden City, MI, 48135 | 49.2 | |
| State Farm | Ryan Wagner | 11770 Newburgh Rd, Livonia, MI, 48150-1061 | 48.0 | |
| State Farm | Clay Nissan | 1645 S Wayne Rd, Westland, MI, 48186-5621 | 47.4 | |
| State Farm | Mike Gabriel | 41390 W 10 Mile Rd, Novi, MI, 48375-3404 | 49.0 | |
| State Farm | Nancy Spencer | 1033 Novi Rd, Northville, MI, 48167-1156 | 47.3 | |
| Allstate | Skip Sampson | 28345 Beck Rd Ste 110, Wixom, MI, 48393 | 47.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,090 | $530 |
| Jackson County, MI | $120,100 | $729 | $490 | $1,000 | $510 |
| Columbia, MI | $179,400 | $699 | $480 | $990 | $510 |
| Grass Lake, MI | $140,600 | $781 | $530 | $1,070 | $540 |
| Fayette, MI | $150,800 | $795 | $570 | $1,130 | $560 |
| Chesterfield, OH | $115,500 | $665 | $460 | $910 | $450 |
| Ypsilanti, MI | $136,700 | $652 | $440 | $920 | $480 |
| Eaton, MI | $146,600 | $789 | $540 | $1,090 | $550 |
| Exeter, MI | $167,400 | $817 | $590 | $1,160 | $570 |
| Monclova, OH | $261,600 | $780 | $570 | $1,110 | $540 |
| Monroe charter, MI | $125,900 | $639 | $450 | $890 | $440 |
| Brownlee Park, MI | $41,000 | $602 | $430 | $830 | $400 |
| Gilead, MI | $124,500 | $758 | $520 | $1,070 | $550 |