Gavop shows you how to buy homeowners insurance in Houghton 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.
| Houghton County, 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 | |
| Denton Rd, Hazel Rd, Papin Rd, Co Rd A-65, Tamarack Waterworks Rd, Amygadaloid St, Cedar Ave, Old County Rd, 15th St, Hazel Rd | $110,000 | $100,000 | $100,000-$125,000 | $94,500 | $90,000 | $75,000-$100,000 |
| Bear Creek Rd, Champion Ave, N Ave, N Hwy M 26, Sigsbee St, I Ave, Razorback Rd, Co Rd F-18, Cottage Ln, Sherwood | $112,500 | $100,000 | $75,000-$100,000 | $123,000 | $110,000 | $100,000-$125,000 |
| Woodmar Dr, Log St, Wood Rd, Dover Creek, Co Rd A-63, Baltic, Lahti Rd, Wildlife Ln, E South Ave, Quarry Lake Rd | $198,000 | $160,000 | $175,000-$200,000 | $89,000 | $80,000 | $75,000-$100,000 |
| S Laird Rd, E Houghton Ave, Main St, Newberry Rd, W15th St, Winona Tower Rd, Cambria St, P106B, W 31st St, 641C | $143,000 | $120,000 | $100,000-$125,000 | $67,500 | $60,000 | $50,000-$75,000 |
| Boston Cross Cut, Johanna Ln, C Ave, USFS Rd 3500, 13th St, Tapio Rd, Superior Rd, Lake Linden Ave, Allouez St, Co Rd S-62 | $148,000 | $120,000 | $150,000-$175,000 | $88,500 | $80,000 | $75,000-$100,000 |
| East St, 9th St, Co Rd P-651, Nelson Rd, Evergreen Rd, Steve Shmunk Rd, Columbia St, L127A, Depot St, Evergreen | $144,000 | $120,000 | $125,000-$150,000 | $90,500 | $80,000 | $75,000-$100,000 |
| Bleise Rd, Arborway, Concord St, 15th St, Dogwood, Shelden Ave, Calumet St, P651G, Park St, Ingot St | $91,000 | $80,000 | $75,000-$100,000 | $82,000 | $80,000 | $50,000-$75,000 |
| Larson Rd, Foote St, Atlantic St, Stratton Ave, Co Rd F-19, Valley Rd, Gale Farm Rd, Barn St, Quincy Cove Rd, Hubbard Ave | $98,500 | $80,000 | $100,000-$125,000 | $100,000 | $80,000 | $75,000-$100,000 |
| 1st Ave, S Pewabic St, Huron, Elsie Rd, Lake St, Bridge St, Manninen Rd 50B, Water, Spruce Ln, S Calumet St | $128,000 | $110,000 | $100,000-$125,000 | $114,500 | $90,000 | $125,000-$150,000 |
| Waylene Rd, Senter Location, Gerhart Rd, McGunn Creek Rd, Epidote St, Boundary Rd, Township Park Rd, Anderson Rd, Boundry St, W 16th St | $87,000 | $70,000 | $100,000-$125,000 | $92,500 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$98 | $605 |
| Superior Protection Discount | -$63 | $640 |
| Fire & Security Discount | -$63 | $640 |
| Hail Resistant Roof Discount | -$21 | $682 |
| Newly Constructed Home Discount | -$169 | $534 |
| 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 |
| Houghton County | $2,500 | $695 | $3,195 | $505 | $3,005 | $190 |
| Houghton County, MI | $700 | $695 | $1,395 | $505 | $1,205 | $190 |
| Arvon, MI | $700 | $769 | $1,469 | $559 | $1,259 | $210 |
| L'Anse, MI | $300 | $681 | $981 | $495 | $795 | $186 |
| Allouez, MI | $1,000 | $649 | $1,649 | $472 | $1,472 | $177 |
| Ontonagon, MI | $200 | $655 | $855 | $476 | $676 | $179 |
| Eagle River, MI | $1,500 | $878 | $2,378 | $638 | $2,138 | $240 |
| Michigamme, MI | $300 | $745 | $1,045 | $541 | $841 | $204 |
| Matchwood, MI | $2,500 | $687 | $3,187 | $499 | $2,999 | $188 |
| White Pine, MI | $200 | $596 | $796 | $433 | $633 | $163 |
| Republic, MI | $1,000 | $656 | $1,656 | $477 | $1,477 | $179 |
| Home Insurance Company Houghton County, MI | Homeowners Insurance Agency Houghton County, MI | Address | Popularity Score | Distance from Houghton County (miles) |
|---|---|---|---|---|
| State Farm | Dean Kangas | 200 5th St, Calumet, MI, 49913-1643 | 19.5 | |
| State Farm | Mike Lahti | 400 Elevation St, Hancock, MI, 49930-1945 | 9.3 | |
| State Farm | Matt Elmblad | 319 River Street, Ontonagon, MI, 49953 | 32.6 | |
| Farmers | Phil Kolehmainen Jr | 525 Shelden Ave, Houghton, MI, 49931 | 9.4 | |
| Farmers | Pete Wesa | 701 Hancock St, Hancock, MI, 49930 | 9.3 | |
| State Farm | Kelly Jepsen | 1104 College Ave, Houghton, MI, 49931-1308 | 9.6 | |
| Allstate | Douglass Frank A | 324 Shelden Ave, Houghton, MI, 49931 | 9.4 | |
| Allstate | Bay Insurance Agency | 719b E Broad St, Lanse, MI, 49946 | 19.7 | |
| State Farm | Matt Elmblad | 115 N Front St, Lanse, MI, 49946-1112 | 19.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,090 | $560 |
| Houghton County, MI | $102,400 | $703 | $500 | $980 | $480 |
| Houghton County, MI | $102,400 | $703 | $510 | $980 | $470 |
| Arvon, MI | $138,500 | $778 | $530 | $1,100 | $570 |
| L'Anse, MI | $81,900 | $689 | $460 | $940 | $480 |
| Allouez, MI | $65,500 | $657 | $450 | $930 | $480 |
| Ontonagon, MI | $68,300 | $663 | $480 | $930 | $450 |
| Eagle River, MI | $220,800 | $889 | $600 | $1,260 | $660 |
| Michigamme, MI | $121,600 | $754 | $510 | $1,080 | $570 |
| Matchwood, MI | $85,000 | $695 | $490 | $950 | $460 |
| White Pine, MI | $41,500 | $603 | $430 | $840 | $410 |
| Republic, MI | $68,600 | $664 | $470 | $920 | $450 |