Gavop's guide to buying homeowners insurance in Alma, 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.
| Alma, 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 | |
| Warwick Dr, Clansman St, California St, Gratiot Ave, Fairlane Dr, Wheeler, N Allen Rd, N Blair Rd, Linwood Ave, Grant Ave | $96,000 | $90,000 | $100,000-$125,000 | $76,000 | $70,000 | $50,000-$75,000 |
| Golfridge Rd, Reid Rd, Prospect Ave, N Lincoln Ave, Williamette Ave, Masonic Dr, Elmwood Ave, Pine Dr, E Harrison Rd, N County Line Rd | $104,500 | $100,000 | $75,000-$100,000 | $66,000 | $60,000 | $50,000-$75,000 |
| Grove Ave, Hubbell St, S Lincoln Ave, Hillsdale St, N State St, N Court Ave, 2nd Ave, Pine Ave, S River Ave, Scotland Cir | $108,000 | $90,000 | $75,000-$100,000 | $66,500 | $60,000 | $50,000-$75,000 |
| Adams St, York St, Cross Rd, Co Rd 543, N State Rd, Purdy Dr, Williams St, W Jackson Rd, Virginia St, Midland Gratiot County Line Rd | $138,000 | $110,000 | $100,000-$125,000 | $79,000 | $60,000 | $75,000-$100,000 |
| E Superior St, Francisco Ave, Bagpipe Dr, Gratiot Ave, Luce Ct, S Isabella Co Line, Chatham Rd, Elwell St, Sanctuary Rd, Carolina St | $192,500 | $170,000 | $150,000-$175,000 | $140,000 | $130,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$103 | $541 |
| Superior Protection Discount | -$64 | $580 |
| Fire & Security Discount | -$45 | $599 |
| Hail Resistant Roof Discount | -$19 | $625 |
| Newly Constructed Home Discount | -$180 | $464 |
| 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 |
| Gratiot County | $2,500 | $678 | $3,178 | $492 | $2,992 | $185 |
| Alma, MI | $700 | $637 | $1,337 | $463 | $1,163 | $174 |
| Lee, MI | $500 | $746 | $1,246 | $542 | $1,042 | $204 |
| Chapin, MI | $1,000 | $681 | $1,681 | $495 | $1,495 | $186 |
| Montcalm County, MI | $200 | $692 | $892 | $503 | $703 | $189 |
| Austin, MI | $1,000 | $736 | $1,736 | $535 | $1,535 | $201 |
| Bentley, MI | $500 | $713 | $1,213 | $518 | $1,018 | $195 |
| Grattan, MI | $2,500 | $889 | $3,389 | $646 | $3,146 | $243 |
| Montrose charter, MI | $200 | $718 | $918 | $522 | $722 | $196 |
| Sebewa, MI | $2,500 | $772 | $3,272 | $561 | $3,061 | $211 |
| Courtland, MI | $200 | $772 | $972 | $561 | $761 | $211 |
| Ensley, MI | $2,500 | $763 | $3,263 | $554 | $3,054 | $208 |
| Home Insurance Company Alma, MI | Homeowners Insurance Agency Alma, MI | Address | Popularity Score | Distance from Alma (miles) |
|---|---|---|---|---|
| Allstate | Michael Love | 4585 E Pickard St Ste J, Mount Pleasant, MI, 48858 | 16.8 | |
| State Farm | Tim Boychuck | 967 S Saginaw Rd, Midland, MI, 48640-4665 | 27.5 | |
| Liberty Mutual Independent | David Chapman Agency Inc | 5700 W Mount Hope Hwy, Lansing, MI, 48917 | 46.1 | |
| Farmers | Justin Lamb | 3450 Alaiedon Pkwy Ste 105, Okemos, MI, 48864 | 49.7 | |
| Liberty Mutual Independent | Capital Insurance Services Corporation | 4299 Five Oaks Dr, Lansing, MI, 48911 | 48.7 | |
| Farmers | Terrie Johnston | 502 E Main St Ste B, Owosso, MI, 48867 | 36.3 | |
| Travelers | Carr Agency Inc | 115 W Main St, Ionia, MI, 48846 | 34.3 | |
| State Farm | Tom Devries | 2090 Jolly Rd Ste 110, Okemos, MI, 48864-6041 | 49.5 | |
| State Farm | Dan Kasischke | 735 W Lake Lansing Road, East Lansing, MI, 48823-8533 | 43.6 | |
| State Farm | Gary Young | 301 E Main St, Flushing, MI, 48433-2027 | 46.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,080 | $550 |
| Gratiot County, MI | $92,100 | $686 | $460 | $980 | $520 |
| Alma, MI | $84,000 | $644 | $430 | $890 | $460 |
| Lee, MI | $122,100 | $755 | $540 | $1,080 | $540 |
| Chapin, MI | $81,600 | $689 | $470 | $940 | $470 |
| Montcalm County, MI | $101,000 | $700 | $470 | $990 | $520 |
| Austin, MI | $115,500 | $745 | $510 | $1,040 | $530 |
| Bentley, MI | $100,900 | $722 | $480 | $1,020 | $540 |
| Grattan, MI | $228,500 | $900 | $650 | $1,250 | $600 |
| Montrose charter, MI | $103,800 | $727 | $520 | $1,010 | $490 |
| Sebewa, MI | $140,200 | $781 | $540 | $1,110 | $570 |
| Courtland, MI | $247,100 | $781 | $570 | $1,110 | $540 |
| Ensley, MI | $133,700 | $772 | $560 | $1,100 | $540 |