Gavop's guide to buying homeowners insurance in Oak Park, 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.
| Oak Park, 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 | |
| Kenosha St, Northgate, Manhattan St, Condon St, Eastwood St, Rosewood Ct, Elgin St, Troy St, Pembroke Rd, Gardner St | $90,000 | $80,000 | $75,000-$100,000 | $73,500 | $60,000 | $75,000-$100,000 |
| Rosemary Blvd, Roanoke Ave, Mc Clain Dr, Concord Rd, Salem Rd, Fern St, Talbot Ave, Nadine St, Manhattan Pl, Northgate Blvd | $301,500 | $280,000 | $300,000-$350,000 | $228,000 | $220,000 | $200,000-$250,000 |
| Morton St, Pearson St, Radclift St, Northfield Ave, Webster St, Elgin Ave, Breckenridge Ave, Majestic St, Ludlow Ave, Irvine Blvd | $101,000 | $90,000 | $75,000-$100,000 | $76,500 | $60,000 | $50,000-$75,000 |
| Sterling Ct, Woodland Ct, Pinehurst Ave, Kipling St, Kipling St, Marlow Ct, Elaine Ct, Ronald Ct, Wildwood St, Chapman St | $139,000 | $130,000 | $100,000-$125,000 | $107,500 | $90,000 | $125,000-$150,000 |
| Bishop St, Kenberton Dr, Meyers Rd, Saratoga St, Dundee St, Harding St, Dundee Rd, Harding Sq, Jerome St, Raine St | $94,500 | $80,000 | $75,000-$100,000 | $49,500 | $40,000 | $25,000-$50,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $538 |
| Superior Protection Discount | -$66 | $590 |
| Fire & Security Discount | -$66 | $590 |
| Hail Resistant Roof Discount | -$20 | $636 |
| Newly Constructed Home Discount | -$157 | $498 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,368 |
| Hail Damage | $4,665 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $16,051 |
| Home Insurance Company Oak Park, MI | Homeowners Insurance Agency Oak Park, MI | Address | Popularity Score | Distance from Oak Park (miles) |
|---|---|---|---|---|
| State Farm | Michael Lantzy | 27100 Woodward Ave, Royal Oak, MI, 48067-0925 | 2.1 | |
| State Farm | Steve Donovan | 11455 E 13 Mile Rd, Warren, MI, 48093-2502 | 9.6 | |
| Liberty Mutual Independent | Bergstrom Insurance Agency | 30701 W 10 Mile Rd Ste 400, Farmington Hills, MI, 48336 | 8.6 | |
| State Farm | John Avery | 709 W Ellsworth Rd Ste 112, Ann Arbor, MI, 48108-3392 | 32.9 | |
| State Farm | Barbara Merten-Dubensky | 2028 Hazel St, Birmingham, MI, 48009-6807 | 5.5 | |
| Allstate | Joel Schembri | 6606 Telegraph Rd Ste B, Bloomfield Hills, MI, 48301 | 7.5 | |
| Travelers | American Express | 4 Parklane Blvd Ste 414, Dearborn, MI, 48126 | 9.8 | |
| State Farm | Tim Miller | 24300 Southfield Rd Ste 309, Southfield, MI, 48075-2860 | 2.0 | |
| Allstate | Bruce Martin | 3331 W Big Beaver Rd Ste 110, Troy, MI, 48084 | 6.7 | |
| Farmers | Charles Kantola | 32500 Grand River Ave Ste 203, Farmington, MI, 48336 | 9.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $570 | $1,100 | $530 |
| Oakland County, MI | $209,800 | $847 | $610 | $1,180 | $570 |
| Oak Park, MI | $90,600 | $656 | $480 | $900 | $420 |
| Lathrup Village, MI | $168,800 | $818 | $560 | $1,160 | $600 |
| Beverly Hills, MI | $341,500 | $822 | $550 | $1,180 | $630 |
| Harper Woods, MI | $67,800 | $616 | $420 | $880 | $460 |
| Canton charter, MI | $223,700 | $750 | $510 | $1,040 | $530 |
| Lake Orion, MI | $266,100 | $964 | $700 | $1,360 | $660 |
| Ypsilanti, MI | $136,700 | $652 | $480 | $890 | $410 |
| Berlin charter, MI | $155,400 | $673 | $480 | $950 | $470 |
| Pinckney, MI | $161,700 | $809 | $540 | $1,150 | $610 |
| Lapeer, MI | $93,400 | $660 | $480 | $900 | $420 |
| Flint charter, MI | $79,600 | $637 | $470 | $900 | $430 |