Gavop's guide to buying homeowners insurance in McCall, ID 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $95,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $231,000 | $190,000 | $250,000-$300,000 |
| 3 Bedroom | $201,000 | $160,000 | $200,000-$250,000 |
| 4 Bedroom | $391,500 | $370,000 | $400,000-$500,000 |
| 5 Bedroom | $399,500 | $340,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $588 |
| Superior Protection Discount | -$62 | $622 |
| Fire & Security Discount | -$62 | $622 |
| Hail Resistant Roof Discount | -$14 | $670 |
| Newly Constructed Home Discount | -$157 | $526 |
| 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 |
| Valley County | $1,000 | $667 | $1,667 | $485 | $1,485 | $182 |
| McCall, ID | $2,000 | $675 | $2,675 | $491 | $2,491 | $185 |
| Valley County, ID | $100 | $667 | $767 | $485 | $585 | $182 |
| Donnelly, ID | $200 | $501 | $701 | $364 | $564 | $137 |
| New Meadows, ID | $1,000 | $677 | $1,677 | $492 | $1,492 | $185 |
| Adams County, ID | $1,500 | $657 | $2,157 | $477 | $1,977 | $179 |
| Riggins, ID | $400 | $625 | $1,025 | $454 | $854 | $171 |
| Cascade, ID | $1,500 | $691 | $2,191 | $502 | $2,002 | $189 |
| Smiths Ferry, ID | $400 | $692 | $1,092 | $503 | $903 | $189 |
| Cambridge, ID | $1,000 | $600 | $1,600 | $436 | $1,436 | $164 |
| Home Insurance Company McCall, ID | Homeowners Insurance Agency McCall, ID | Address | Popularity Score | Distance from McCall (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | The Insurance Group | Po Box 572 , Cascade, ID, 83611 | 29.4 | |
| State Farm | Maryann Allen | 203 Michigan Avenue, Council, ID, 83612 | 33.4 | |
| State Farm | Harrison Mcarthur | 116 N 3rd St Ste 3, Mccall, ID, 83638-4417 | 13.4 | |
| Liberty Mutual Independent | The Insurance Group | 214 S Main St, Cascade, ID, 83611 | 31.2 | |
| Allstate | Fig Ins Group3 | 403 Railroad Ave, Mccall, ID, 83638 | 13.2 | |
| Allstate | Fig Ins Group2 | Po Box 587, Council, ID, 83612 | 33.0 | |
| Farmers | Michael Gurney | 1607 Davis Ave Unit 158, Mccall, ID, 83638 | 12.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Idaho | $176,800 | $627 | $420 | $870 | $450 |
| Valley County, ID | $258,000 | $675 | $490 | $930 | $440 |
| McCall, ID | $265,200 | $684 | $470 | $980 | $510 |
| Valley County, ID | $258,000 | $675 | $490 | $970 | $480 |
| Donnelly, ID | $111,800 | $507 | $350 | $710 | $360 |
| New Meadows, ID | $223,800 | $685 | $470 | $950 | $480 |
| Adams County, ID | $166,500 | $665 | $470 | $940 | $470 |
| Riggins, ID | $180,800 | $633 | $430 | $890 | $460 |
| Cascade, ID | $235,800 | $699 | $470 | $960 | $490 |
| Smiths Ferry, ID | $236,800 | $700 | $510 | $970 | $460 |
| Cambridge, ID | $162,700 | $607 | $440 | $840 | $400 |