Gavop's guide to buying homeowners insurance in Ferndale, 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 | $46,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $87,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $163,500 | $130,000 | $175,000-$200,000 |
| 4 Bedroom | $233,000 | $190,000 | $250,000-$300,000 |
| 5 Bedroom | $294,000 | $240,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$123 | $523 |
| Superior Protection Discount | -$58 | $587 |
| Fire & Security Discount | -$71 | $574 |
| Hail Resistant Roof Discount | -$19 | $626 |
| Newly Constructed Home Discount | -$148 | $497 |
| 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 |
| Oakland County | $2,000 | $837 | $2,837 | $608 | $2,608 | $229 |
| Ferndale, MI | $1,500 | $637 | $2,137 | $463 | $1,963 | $174 |
| Sterling Heights, MI | $400 | $779 | $1,179 | $566 | $966 | $213 |
| St. Clair Shores, MI | $700 | $712 | $1,412 | $517 | $1,217 | $195 |
| Wyandotte, MI | $500 | $646 | $1,146 | $469 | $969 | $177 |
| Northville, MI | $1,000 | $936 | $1,936 | $680 | $1,680 | $256 |
| Ypsilanti, MI | $100 | $644 | $744 | $468 | $568 | $176 |
| Green Oak, MI | $1,500 | $752 | $2,252 | $546 | $2,046 | $205 |
| Ann Arbor charter, MI | $100 | $1,680 | $1,780 | $1,221 | $1,321 | $459 |
| London, MI | $2,000 | $766 | $2,766 | $556 | $2,556 | $209 |
| Grand Blanc, MI | $200 | $656 | $856 | $477 | $677 | $179 |
| Davison, MI | $2,500 | $637 | $3,137 | $463 | $2,963 | $174 |
| Home Insurance Company Ferndale, MI | Homeowners Insurance Agency Ferndale, MI | Address | Popularity Score | Distance from Ferndale (miles) |
|---|---|---|---|---|
| State Farm | Jordan Tracey | 1723 W 14 Mile Rd, Royal Oak, MI, 48073-1728 | 5.4 | |
| State Farm | Michael Pikora | 10841 W 10 Mile Rd, Oak Park, MI, 48237-1745 | 2.3 | |
| Liberty Mutual Independent | Mason-Mcbride Inc | 3290 West Big Beaver Ste 503, Troy, MI, 48084 | 7.7 | |
| State Farm | Barbara Merten-Dubensky | 2028 Hazel St, Birmingham, MI, 48009-6807 | 6.7 | |
| Liberty Mutual Independent | Cantor Insurance Group | 26777 Central Park Blvd Ste 250, Southfield, MI, 48076 | 6.1 | |
| State Farm | Debra Herndon | 15192 E 13 Mile Rd, Warren, MI, 48088-3395 | 9.4 | |
| Allstate | Ali Abdallah | 4211 W 13 Mile Rd, Royal Oak, MI, 48073 | 5.4 | |
| Allstate | Thea Collins | 1984 E Auburn Rd, Rochester Hills, MI, 48307 | 12.5 | |
| Farmers | Adeeb Zayto | 28751 Ryan Rd, Warren, MI, 48092 | 4.5 | |
| Allstate | Kenneth Petrillo | 5882 Dixie Hwy, Clarkston, MI, 48346 | 22.0 |
| 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 |
| Oakland County, MI | $209,800 | $847 | $570 | $1,160 | $590 |
| Ferndale, MI | $131,100 | $645 | $470 | $920 | $450 |
| Sterling Heights, MI | $164,700 | $789 | $530 | $1,120 | $590 |
| St. Clair Shores, MI | $114,200 | $721 | $530 | $1,030 | $500 |
| Wyandotte, MI | $89,700 | $654 | $440 | $910 | $470 |
| Northville, MI | $387,300 | $948 | $650 | $1,360 | $710 |
| Ypsilanti, MI | $136,700 | $652 | $440 | $930 | $490 |
| Green Oak, MI | $232,000 | $761 | $560 | $1,090 | $530 |
| Ann Arbor charter, MI | $453,300 | $1,700 | $1,170 | $2,350 | $1,180 |
| London, MI | $135,900 | $775 | $560 | $1,100 | $540 |
| Grand Blanc, MI | $148,000 | $664 | $470 | $910 | $440 |
| Davison, MI | $130,200 | $644 | $470 | $910 | $440 |