Gavop shows you how to buy homeowners insurance in St. Louis, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| St. Louis, 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 | |
| N Alma Dr, Seaman St, York St, Arcada Dr, Renfrew Rd, W Prospect St, Hubbard St, Yale Ave, Oakridge Dr, S East St | $99,000 | $90,000 | $100,000-$125,000 | $104,500 | $100,000 | $100,000-$125,000 |
| Sanctuary Rd, Giddings Pl, Ferris St, E Saginaw St, Mary Ct, Golfridge Rd, Vassar St, Bush Rd, Fairview Ave, W Madison Rd | $105,000 | $90,000 | $100,000-$125,000 | $70,500 | $60,000 | $50,000-$75,000 |
| S Lincoln St, N Bankson St, Riverside Dr, E McGregor Rd, Williams St, Mikus Rd, Pinecrest Ln, Fairlane Dr, Scot Cir, Clark Rd | $100,500 | $90,000 | $100,000-$125,000 | $55,500 | $50,000 | $25,000-$50,000 |
| E Van Buren Rd, N Ely Hwy, California St, N Wisner Rd, W Tyler Rd, N Croswell Rd, N Mikus Rd, Eden St, Stafford Rd E, N Baldwin Rd | $205,500 | $180,000 | $200,000-$250,000 | $115,000 | $110,000 | $100,000-$125,000 |
| E Saint Charles Rd, Washington Ave, Devon Dr, Chestnut St, Gratiot St, Pipes Cir, E Olive Rd, Union St, Bridge Ave, S Pine St | $102,500 | $90,000 | $100,000-$125,000 | $94,500 | $80,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$51 | $582 |
| Home and Two Car | -$108 | $525 |
| Home and Three Car | -$158 | $474 |
| 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 | $1,500 | $678 | $2,178 | $492 | $1,992 | $185 |
| St. Louis, MI | $2,500 | $625 | $3,125 | $454 | $2,954 | $171 |
| Ithaca, MI | $300 | $679 | $979 | $493 | $793 | $185 |
| Jonesfield, MI | $2,500 | $700 | $3,200 | $508 | $3,008 | $191 |
| Isabella, MI | $300 | $728 | $1,028 | $529 | $829 | $199 |
| Edmore, MI | $2,000 | $675 | $2,675 | $490 | $2,490 | $184 |
| Loomis, MI | $500 | $672 | $1,172 | $488 | $988 | $184 |
| Bengal, MI | $2,000 | $807 | $2,807 | $587 | $2,587 | $221 |
| Oakley, MI | $200 | $651 | $851 | $473 | $673 | $178 |
| Beaver, MI | $1,000 | $768 | $1,768 | $558 | $1,558 | $210 |
| Middletown, MI | $300 | $634 | $934 | $461 | $761 | $173 |
| Nelson, MI | $1,500 | $771 | $2,271 | $560 | $2,060 | $211 |
| Home Insurance Company St. Louis, MI | Homeowners Insurance Agency St. Louis, MI | Address | Popularity Score | Distance from St. Louis (miles) |
|---|---|---|---|---|
| State Farm | Jim Hanlin | 806 Coolidge Rd, East Lansing, MI, 48823-2413 | 46.3 | |
| Farmers | Greg White | 120 Detroit St, Lansing, MI, 48912 | 46.9 | |
| Allstate | Justin Savage | 1660 Haslett Rd Ste 3, Haslett, MI, 48840 | 46.8 | |
| Allstate | Lisa Jankoska | 2135 N Center Rd, Saginaw, MI, 48603 | 30.1 | |
| State Farm | Darrean Dunn | 1824 S Pennsylvania Ave Ste B, Lansing, MI, 48910-1891 | 48.2 | |
| State Farm | Neil Brown | 434 W Main St, Ionia, MI, 48846-1535 | 37.4 | |
| State Farm | Dan Kasischke | 735 W Lake Lansing Road, East Lansing, MI, 48823-8533 | 45.2 | |
| State Farm | Gary Young Clu | 301 E Main, Flushing, MI, 48433-0156 | 45.1 | |
| State Farm | Bart Harris | 805 N Saginaw St, Durand, MI, 48429-1263 | 46.3 | |
| State Farm | Maury Irwin | 305 S Mcewan St, Clare, MI, 48617-1861 | 29.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $550 | $1,080 | $530 |
| Gratiot County, MI | $92,100 | $686 | $470 | $980 | $510 |
| St. Louis, MI | $77,100 | $632 | $430 | $900 | $470 |
| Ithaca, MI | $80,700 | $687 | $490 | $980 | $490 |
| Jonesfield, MI | $92,600 | $708 | $500 | $980 | $480 |
| Isabella, MI | $110,100 | $737 | $500 | $1,040 | $540 |
| Edmore, MI | $78,800 | $683 | $490 | $940 | $450 |
| Loomis, MI | $76,700 | $680 | $460 | $930 | $470 |
| Bengal, MI | $167,800 | $817 | $560 | $1,140 | $580 |
| Oakley, MI | $66,300 | $659 | $450 | $930 | $480 |
| Beaver, MI | $137,800 | $777 | $520 | $1,100 | $580 |
| Middletown, MI | $58,400 | $642 | $470 | $890 | $420 |
| Nelson, MI | $139,500 | $780 | $540 | $1,120 | $580 |