Gavop shows you how to buy homeowners insurance in Montcalm County, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Montcalm County, 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 | |
| S Irving St, N Main St, Crimson Creek Dr, Isis, Sherman St, Wicker Rd, Heron Dr, Mellabelle, Lakeview Dr, Boyer Rd | $161,000 | $130,000 | $125,000-$150,000 | $77,000 | $70,000 | $75,000-$100,000 |
| Bass Beach Dr, Lakeview St, E Newcomb Rd, E 1st St, Manley Dr, N Bower St, Quarter Rd, Grove St, Clifford Lake Dr NW, Klifford Dr | $87,500 | $70,000 | $75,000-$100,000 | $87,000 | $70,000 | $75,000-$100,000 |
| Loves Ln, Rock Aly, N Barnard St, Kendaville Rd NE, Grosvenor, Yankee Rd, Orton St, Bracey Rd, S Pine Grove Rd, Old Oak Dr | $122,000 | $110,000 | $100,000-$125,000 | $78,000 | $70,000 | $75,000-$100,000 |
| Neff Rd, W Lake Montcalm Rd, W Home St, 7th St, Daniels St, Nelson Dr, Fitzner Rd, Senator Rd, E Deaner Lake Dr, Howard City Edmore Rd NE | $108,500 | $100,000 | $125,000-$150,000 | $77,000 | $60,000 | $75,000-$100,000 |
| Yankee Rd, Marion Dr, E Pakes Rd, Maple, S Holland Lk Dr, Stevenson Rd SE, Keiber Rd, Hickory Ln, Paris Rd, Oak Dr SW | $99,000 | $80,000 | $75,000-$100,000 | $105,500 | $100,000 | $100,000-$125,000 |
| Tinys Trl, Meadow View Dr, Blahniks Bluff Dr, Upwind Ln, Eastern Ave, Fuller Rd, Brianna Way, E Kendaville Rd, Pakes Rd, McPherson St | $89,000 | $80,000 | $75,000-$100,000 | $90,500 | $80,000 | $100,000-$125,000 |
| E Sessions Rd, Parker St, Little Penny Ln, 5th St, Shorecrest Dr, Northamp Dr, Staines Rd, S Crescent St, N Edgewood St, Sanders Rd | $115,500 | $100,000 | $125,000-$150,000 | $136,500 | $130,000 | $125,000-$150,000 |
| W Briggs Rd, Clio St, Wicker Rd, Russell Dr, Miller Rd, Mill St, Wiseman St, Eisenhower Rd, Carlson Dr, S Greenville West Dr | $106,500 | $100,000 | $100,000-$125,000 | $101,000 | $80,000 | $100,000-$125,000 |
| S Caroline Dr, N Irving St, Marathon Dr, N Williams St, Co Rd 607, Sidney Rd, Ithaca St, Bobtail Ct, Fletcher Rd, Whitefish Rd | $102,000 | $90,000 | $75,000-$100,000 | $89,000 | $80,000 | $75,000-$100,000 |
| S Cedar St, Tamarack Trl, S Shore Sixth Lake Rd, Wood Rd, S Shore Dr, Muskegon, Saginaw Trl, Miles Rd NW, W Cannonsville Rd, Spencer Rd | $115,000 | $110,000 | $100,000-$125,000 | $132,000 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $581 |
| Superior Protection Discount | -$63 | $637 |
| Fire & Security Discount | -$56 | $644 |
| Hail Resistant Roof Discount | -$21 | $679 |
| Newly Constructed Home Discount | -$182 | $518 |
| 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 |
| Montcalm County | $700 | $692 | $1,392 | $503 | $1,203 | $189 |
| Montcalm County, MI | $1,000 | $692 | $1,692 | $503 | $1,503 | $189 |
| Canadian Lakes, MI | $400 | $821 | $1,221 | $597 | $997 | $224 |
| Lake Isabella, MI | $2,000 | $783 | $2,783 | $569 | $2,569 | $214 |
| Lyons, MI | $100 | $696 | $796 | $505 | $605 | $190 |
| Wilcox, MI | $2,500 | $663 | $3,163 | $482 | $2,982 | $181 |
| Mulliken, MI | $400 | $708 | $1,108 | $515 | $915 | $194 |
| Wacousta, MI | $2,500 | $824 | $3,324 | $599 | $3,099 | $225 |
| Watertown charter, MI | $400 | $836 | $1,236 | $607 | $1,007 | $228 |
| DeWitt, MI | $2,500 | $850 | $3,350 | $617 | $3,117 | $232 |
| Chase, MI | $500 | $700 | $1,200 | $509 | $1,009 | $191 |
| Allendale, MI | $1,000 | $683 | $1,683 | $496 | $1,496 | $187 |
| Home Insurance Company Montcalm County, MI | Homeowners Insurance Agency Montcalm County, MI | Address | Popularity Score | Distance from Montcalm County (miles) |
|---|---|---|---|---|
| Nationwide | Dalessandro Agency Inc | 1500 44th St Se, Kentwood, MI, 49508-5013 | 38.3 | |
| State Farm | Bill Cole | 2143 Wealthy St Se, East Grand Ra, MI, 49506-3033 | 34.3 | |
| State Farm | Kelly Schmidtke | 4211 Clyde Park Ave Sw, Wyoming, MI, 49509-5474 | 39.9 | |
| Liberty Mutual Independent | David Chapman Agency Inc | 5700 W Mount Hope Hwy, Lansing, MI, 48917 | 49.0 | |
| State Farm | Luke Bagnall | 1277 36th St Sw, Wyoming, MI, 49509-3469 | 39.8 | |
| State Farm | Greg Lemanski | 3323 W Saginaw St, Lansing, MI, 48917-2312 | 48.4 | |
| Allstate | Clear Choice Agency | 1035 Spaulding Ave Se, Grand Rapids, MI, 49546 | 32.2 | |
| State Farm | Rich Sheldon | 217 E Todd Ave, Reed City, MI, 49677-1251 | 42.7 | |
| Allstate | Chris Tyler | 180 Kent St, Portland, MI, 48875 | 33.0 | |
| Travelers | Thum Insurance Agency | 3140 3 Mile Rd Ne , Grand Rapids, MI, 49525 | 30.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,060 | $530 |
| Montcalm County, MI | $101,000 | $700 | $480 | $1,000 | $520 |
| Montcalm County, MI | $101,000 | $700 | $510 | $970 | $460 |
| Canadian Lakes, MI | $178,700 | $831 | $560 | $1,150 | $590 |
| Lake Isabella, MI | $149,500 | $793 | $570 | $1,090 | $520 |
| Lyons, MI | $90,300 | $704 | $470 | $990 | $520 |
| Wilcox, MI | $72,200 | $671 | $460 | $920 | $460 |
| Mulliken, MI | $98,000 | $717 | $480 | $990 | $510 |
| Wacousta, MI | $180,600 | $834 | $570 | $1,150 | $580 |
| Watertown charter, MI | $190,000 | $846 | $610 | $1,200 | $590 |
| DeWitt, MI | $200,100 | $860 | $610 | $1,220 | $610 |
| Chase, MI | $93,200 | $709 | $520 | $980 | $460 |
| Allendale, MI | $172,700 | $691 | $490 | $990 | $500 |