Gavop shows you how to buy homeowners insurance in Clay, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Clay, 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 | |
| Peters Rd, Zobel Ct, Narraganset, Good Rich Hwy, Dockside Ct, Cottagewood Ln, Commander Ct, Goodrich St, Cottage Ln, Sycamore St | $156,000 | $140,000 | $150,000-$175,000 | $67,500 | $50,000 | $75,000-$100,000 |
| Harbor Ln, Edward St, Marina Cir, Columbia St, Harbor Dr, Michigan St, E Park Dr, Grand Pointe Ct, Virginia Ln, W Park Dr | $106,000 | $90,000 | $75,000-$100,000 | $71,500 | $60,000 | $50,000-$75,000 |
| Folkert Rd, Meadowbrook St, Stier Rd, Edgewater Ave, Edwards St, Swartout Rd, Island Dr, McDonald St, Starville Rd, S Russell Dr | $89,500 | $80,000 | $50,000-$75,000 | $82,500 | $80,000 | $75,000-$100,000 |
| Walpole, Center St, Coney Ave, Venice Hwy, Morrow Rd, Dandron, Lagoon St, Conley Ave, Smith St, Flamingo St | $266,500 | $240,000 | $200,000-$250,000 | $203,000 | $180,000 | $200,000-$250,000 |
| Algonac, State Hwy 154, Genaw Rd, Scout Dr, la Croix Rd, Seminole, S Parkway Dr, State St, Circuit St, Bluebill Rd | $275,000 | $220,000 | $250,000-$300,000 | $129,500 | $120,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $588 |
| Superior Protection Discount | -$62 | $630 |
| Fire & Security Discount | -$55 | $637 |
| Hail Resistant Roof Discount | -$21 | $671 |
| Newly Constructed Home Discount | -$173 | $519 |
| 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 |
| St. Clair County | $700 | $741 | $1,441 | $538 | $1,238 | $202 |
| Clay, MI | $700 | $684 | $1,384 | $497 | $1,197 | $187 |
| Columbus, MI | $500 | $850 | $1,350 | $617 | $1,117 | $232 |
| Grosse Pointe Farms, MI | $2,500 | $858 | $3,358 | $624 | $3,124 | $235 |
| Berkley, MI | $400 | $684 | $1,084 | $497 | $897 | $187 |
| Lathrup Village, MI | $2,000 | $808 | $2,808 | $587 | $2,587 | $221 |
| Addison, MI | $500 | $826 | $1,326 | $600 | $1,100 | $226 |
| Oxford, MI | $1,500 | $820 | $2,320 | $596 | $2,096 | $224 |
| Oakland County, MI | $200 | $837 | $1,037 | $608 | $808 | $229 |
| Metamora, MI | $2,500 | $849 | $3,349 | $617 | $3,117 | $232 |
| Plymouth, MI | $100 | $803 | $903 | $583 | $683 | $219 |
| North Branch, MI | $1,000 | $780 | $1,780 | $567 | $1,567 | $213 |
| Home Insurance Company Clay, MI | Homeowners Insurance Agency Clay, MI | Address | Popularity Score | Distance from Clay (miles) |
|---|---|---|---|---|
| Allstate | Ray Moulden | 26013 Coolidge Hwy, Oak Park, MI, 48237 | 29.8 | |
| State Farm | Jennifer Sobier | 5276 Pte Tremble Rd, Algonac, MI, 48001-4365 | 2.4 | |
| State Farm | Glenda Mcguire | 26600 Gratiot Ave, Roseville, MI, 48066-3388 | 17.9 | |
| State Farm | Sandy Meador | 19587 Mack Avenue, Grosse Pointe Woods, MI, 48236-2838 | 19.1 | |
| Allstate | Jeff Babisz | 23123 21 Mile Rd, Macomb, MI, 48042 | 13.1 | |
| Allstate | John Kunz | 35220 23 Mile Rd, New Baltimore, MI, 48047 | 8.3 | |
| Allstate | Skip Sampson | 28345 Beck Rd Ste 110, Wixom, MI, 48393 | 46.1 | |
| Farmers | Kenneth Wesa | 42193 Ann Arbor Rd E, Plymouth, MI, 48170 | 45.9 | |
| State Farm | Sally Bruwier | 20943 Mack Ave, Grosse Pointe, MI, 48236-1314 | 18.0 | |
| State Farm | Kurt Teller | 16054 15 Mile Rd, Fraser, MI, 48026-3703 | 17.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $520 | $1,090 | $570 |
| St. Clair County, MI | $135,000 | $750 | $510 | $1,040 | $530 |
| Clay, MI | $173,400 | $692 | $510 | $980 | $470 |
| Columbus, MI | $200,700 | $860 | $620 | $1,200 | $580 |
| Grosse Pointe Farms, MI | $298,400 | $869 | $580 | $1,240 | $660 |
| Berkley, MI | $172,800 | $692 | $470 | $950 | $480 |
| Lathrup Village, MI | $168,800 | $818 | $560 | $1,170 | $610 |
| Addison, MI | $281,300 | $836 | $570 | $1,160 | $590 |
| Oxford, MI | $177,900 | $830 | $590 | $1,150 | $560 |
| Oakland County, MI | $209,800 | $847 | $580 | $1,210 | $630 |
| Metamora, MI | $199,600 | $859 | $620 | $1,220 | $600 |
| Plymouth, MI | $267,400 | $812 | $560 | $1,160 | $600 |
| North Branch, MI | $146,800 | $789 | $530 | $1,090 | $560 |