Gavop's guide to buying homeowners insurance in Mackinac County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $89,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $126,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $172,500 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $265,500 | $250,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$64 | $642 |
| Home and Two Car | -$120 | $586 |
| Home and Three Car | -$162 | $544 |
| 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 |
| Mackinac County | $1,500 | $697 | $2,197 | $507 | $2,007 | $191 |
| Mackinac County, MI | $1,000 | $697 | $1,697 | $507 | $1,507 | $191 |
| Newberry, MI | $200 | $618 | $818 | $449 | $649 | $169 |
| St. James, MI | $1,000 | $824 | $1,824 | $599 | $1,599 | $225 |
| Germfask, MI | $200 | $695 | $895 | $505 | $705 | $190 |
| Whitefish, MI | $2,000 | $748 | $2,748 | $544 | $2,544 | $204 |
| Superior, MI | $100 | $742 | $842 | $539 | $639 | $203 |
| Doyle, MI | $2,000 | $782 | $2,782 | $569 | $2,569 | $214 |
| Seney, MI | $100 | $648 | $748 | $471 | $571 | $177 |
| Mackinaw City, MI | $700 | $787 | $1,487 | $572 | $1,272 | $215 |
| Readmond, MI | $300 | $845 | $1,145 | $614 | $914 | $231 |
| Dafter, MI | $1,000 | $759 | $1,759 | $551 | $1,551 | $207 |
| Home Insurance Company Mackinac County, MI | Homeowners Insurance Agency Mackinac County, MI | Address | Popularity Score | Distance from Mackinac County (miles) |
|---|---|---|---|---|
| Allstate | Robert Holmes | 6 Spring St, Saint Ignace, MI, 49781 | 34.9 | |
| State Farm | Mark Elmblad | 8 N State St, Saint Ignace, MI, 49781-1647 | 34.8 | |
| State Farm | Bonnie Kilburn | 501 W Mcmillan Ave, Newberry, MI, 49868-1717 | 16.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,100 | $540 |
| Mackinac County, MI | $125,100 | $706 | $500 | $1,010 | $510 |
| Mackinac County, MI | $125,100 | $706 | $500 | $970 | $470 |
| Newberry, MI | $51,000 | $626 | $460 | $860 | $400 |
| St. James, MI | $180,800 | $834 | $590 | $1,190 | $600 |
| Germfask, MI | $89,300 | $703 | $510 | $980 | $470 |
| Whitefish, MI | $123,300 | $757 | $550 | $1,080 | $530 |
| Superior, MI | $119,700 | $751 | $530 | $1,070 | $540 |
| Doyle, MI | $149,000 | $792 | $540 | $1,100 | $560 |
| Seney, MI | $65,000 | $656 | $470 | $940 | $470 |
| Mackinaw City, MI | $152,800 | $797 | $540 | $1,140 | $600 |
| Readmond, MI | $196,500 | $855 | $580 | $1,220 | $640 |
| Dafter, MI | $131,000 | $768 | $560 | $1,070 | $510 |