Gavop's guide to buying homeowners insurance in Saginaw 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 | $45,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $106,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $100,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $132,000 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $301,500 | $280,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $580 |
| Superior Protection Discount | -$62 | $628 |
| Fire & Security Discount | -$48 | $642 |
| Hail Resistant Roof Discount | -$14 | $677 |
| Newly Constructed Home Discount | -$180 | $511 |
| 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 |
| Saginaw County | $1,500 | $682 | $2,182 | $496 | $1,996 | $186 |
| Saginaw County, MI | $1,500 | $682 | $2,182 | $496 | $1,996 | $186 |
| Buena Vista, MI | $500 | $753 | $1,253 | $547 | $1,047 | $206 |
| Freeland, MI | $700 | $668 | $1,368 | $486 | $1,186 | $183 |
| Montrose charter, MI | $300 | $718 | $1,018 | $522 | $822 | $196 |
| Merritt, MI | $2,500 | $745 | $3,245 | $541 | $3,041 | $204 |
| St. Louis, MI | $200 | $625 | $825 | $454 | $654 | $171 |
| Richfield, MI | $1,000 | $637 | $1,637 | $463 | $1,463 | $174 |
| Lake Fenton, MI | $400 | $700 | $1,100 | $509 | $909 | $191 |
| Fenton, MI | $1,500 | $738 | $2,238 | $536 | $2,036 | $202 |
| Cohoctah, MI | $100 | $833 | $933 | $605 | $705 | $228 |
| Fairhaven, MI | $2,000 | $683 | $2,683 | $496 | $2,496 | $187 |
| Home Insurance Company Saginaw County, MI | Homeowners Insurance Agency Saginaw County, MI | Address | Popularity Score | Distance from Saginaw County (miles) |
|---|---|---|---|---|
| Travelers | Al Bourdeau Insurance Agency | 2660 E Grand River, East Lansing, MI, 48826 | 46.1 | |
| State Farm | Stan Ring | 113 E Grnd Blanc Rd Ste B, Grand Blanc, MI, 48439-3319 | 35.0 | |
| Allstate | Steven Pake | 700 S Main St Ste 108, Lapeer, MI, 48446 | 42.0 | |
| Liberty Mutual Independent | Peabody Insurance Agency Inc | 2065 N Alloy 2065 N Alloy, Fenton, MI, 48430 | 40.1 | |
| Liberty Mutual Independent | Peabody Insurance Agency Inc | 265 N Alloy Dr Ste 100, Fenton, MI, 48430 | 40.1 | |
| Liberty Mutual Independent | Brown & Brown Of Michigan | 1190 Torrey Rd, Fenton, MI, 48430 | 39.2 | |
| Travelers | Al Bourdeau Insurance Agency | 3835 Davison Rd, Flint, MI, 48506 | 29.4 | |
| State Farm | Richard Mcintyre | 1050 W Hill Rd, Flint, MI, 48507-4732 | 32.2 | |
| Farmers | Sharon Pauley | 3983 S Ortonville Rd Ste B, Clarkston, MI, 48348 | 48.9 | |
| State Farm | Keith Jones | 2425 Owen Rd, Fenton, MI, 48430-1790 | 40.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $550 | $1,070 | $520 |
| Saginaw County, MI | $94,900 | $691 | $470 | $960 | $490 |
| Saginaw County, MI | $94,900 | $691 | $500 | $990 | $490 |
| Buena Vista, MI | $43,000 | $762 | $530 | $1,080 | $550 |
| Freeland, MI | $158,200 | $676 | $490 | $930 | $440 |
| Montrose charter, MI | $103,800 | $727 | $490 | $1,040 | $550 |
| Merritt, MI | $121,200 | $754 | $540 | $1,060 | $520 |
| St. Louis, MI | $77,100 | $632 | $420 | $870 | $450 |
| Richfield, MI | $130,300 | $644 | $440 | $910 | $470 |
| Lake Fenton, MI | $188,500 | $709 | $490 | $980 | $490 |
| Fenton, MI | $116,900 | $747 | $530 | $1,060 | $530 |
| Cohoctah, MI | $187,500 | $843 | $570 | $1,170 | $600 |
| Fairhaven, MI | $82,800 | $691 | $480 | $980 | $500 |