Gavop's guide to buying homeowners insurance in Isabella 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 | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $114,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $111,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $165,000 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $154,000 | $140,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $637 |
| Superior Protection Discount | -$67 | $674 |
| Fire & Security Discount | -$67 | $674 |
| Hail Resistant Roof Discount | -$22 | $719 |
| Newly Constructed Home Discount | -$208 | $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 |
| Isabella County | $2,500 | $732 | $3,232 | $532 | $3,032 | $200 |
| Isabella County, MI | $1,500 | $732 | $2,232 | $532 | $2,032 | $200 |
| Buckeye, MI | $300 | $686 | $986 | $498 | $798 | $187 |
| Gladwin County, MI | $1,000 | $663 | $1,663 | $482 | $1,482 | $181 |
| Rose Lake, MI | $500 | $710 | $1,210 | $516 | $1,016 | $194 |
| Highland, MI | $1,500 | $722 | $2,222 | $525 | $2,025 | $197 |
| Shields, MI | $100 | $684 | $784 | $497 | $597 | $187 |
| Chase, MI | $700 | $700 | $1,400 | $509 | $1,209 | $191 |
| Le Roy, MI | $100 | $728 | $828 | $529 | $629 | $199 |
| Croton, MI | $1,500 | $730 | $2,230 | $531 | $2,031 | $200 |
| St. Johns, MI | $400 | $694 | $1,094 | $504 | $904 | $190 |
| Ionia, MI | $2,500 | $642 | $3,142 | $467 | $2,967 | $176 |
| Home Insurance Company Isabella County, MI | Homeowners Insurance Agency Isabella County, MI | Address | Popularity Score | Distance from Isabella County (miles) |
|---|---|---|---|---|
| State Farm | Jeff Hunt | 4359 Wilder Rd, Bay City, MI, 48706-2207 | 48.1 | |
| State Farm | Marc Debusschere | 211 S Main St Ste A, Chesaning, MI, 48616-1534 | 48.7 | |
| State Farm | Scott Seamon | 2412 Midland Rd, Saginaw, MI, 48603-3460 | 42.0 | |
| Travelers | Carr Agency Inc | 115 W Main St, Ionia, MI, 48846 | 47.1 | |
| Liberty Mutual Independent | Mid Valley Insurance | 9080 Gratiot Road, Saginaw, MI, 48608 | 40.7 | |
| State Farm | Milon Muir | 4635 14 Mile Rd Ne Ste A, Rockford, MI, 49341-7310 | 48.4 | |
| State Farm | Leo Everitt | 209 N M13, Pinconning, MI, 48650 | 46.2 | |
| State Farm | Wayne Richardson | 6207 Brewer Ne At Northland Dr, Rockford, MI, 49341-7460 | 48.9 | |
| State Farm | Monte Wilder | 118 South Elm St, Hemlock, MI, 48626 | 34.5 | |
| State Farm | Neil Brown | 434 W Main St, Ionia, MI, 48846-1535 | 47.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $570 | $1,110 | $540 |
| Isabella County, MI | $128,400 | $741 | $500 | $1,020 | $520 |
| Isabella County, MI | $128,400 | $741 | $540 | $1,020 | $480 |
| Buckeye, MI | $84,500 | $694 | $460 | $950 | $490 |
| Gladwin County, MI | $100,500 | $671 | $480 | $950 | $470 |
| Rose Lake, MI | $99,100 | $719 | $490 | $1,010 | $520 |
| Highland, MI | $106,400 | $731 | $490 | $1,010 | $520 |
| Shields, MI | $114,800 | $692 | $460 | $980 | $520 |
| Chase, MI | $93,200 | $709 | $520 | $1,000 | $480 |
| Le Roy, MI | $110,000 | $737 | $490 | $1,050 | $560 |
| Croton, MI | $111,500 | $739 | $510 | $1,030 | $520 |
| St. Johns, MI | $121,900 | $702 | $480 | $980 | $500 |
| Ionia, MI | $87,100 | $650 | $470 | $920 | $450 |