Gavop shows you how to buy homeowners insurance in Clare 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $68,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $111,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $125,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $263,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$101 | $573 |
| Superior Protection Discount | -$61 | $613 |
| Fire & Security Discount | -$67 | $607 |
| Hail Resistant Roof Discount | -$20 | $654 |
| Newly Constructed Home Discount | -$175 | $499 |
| 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 |
| Clare County | $2,000 | $666 | $2,666 | $484 | $2,484 | $182 |
| Clare County, MI | $1,000 | $666 | $1,666 | $484 | $1,484 | $182 |
| Wise, MI | $400 | $695 | $1,095 | $505 | $905 | $190 |
| Loomis, MI | $2,500 | $672 | $3,172 | $488 | $2,988 | $184 |
| Gladwin, MI | $500 | $690 | $1,190 | $501 | $1,001 | $188 |
| Jerome, MI | $1,000 | $752 | $1,752 | $546 | $1,546 | $205 |
| Selma, MI | $300 | $741 | $1,041 | $539 | $839 | $203 |
| Midland, MI | $2,000 | $753 | $2,753 | $547 | $2,547 | $206 |
| Breckenridge, MI | $400 | $659 | $1,059 | $479 | $879 | $180 |
| Day, MI | $1,500 | $685 | $2,185 | $498 | $1,998 | $187 |
| Morley, MI | $200 | $660 | $860 | $480 | $680 | $180 |
| Orange, MI | $1,500 | $720 | $2,220 | $523 | $2,023 | $197 |
| Home Insurance Company Clare County, MI | Homeowners Insurance Agency Clare County, MI | Address | Popularity Score | Distance from Clare County (miles) |
|---|---|---|---|---|
| State Farm | Brandon Sutkowi | 446 Court St, West Branch, MI, 48661-9310 | 35.2 | |
| State Farm | Tim Boychuck | 967 S Saginaw Rd, Midland, MI, 48640-4665 | 40.2 | |
| State Farm | Steve Witt | 4424 N Saginaw Rd, Midland, MI, 48640-2370 | 36.9 | |
| State Farm | Scott Vanderploeg | 400 N State St, Big Rapids, MI, 49307-1478 | 37.9 | |
| Allstate | Kenneth D. Pasanski | 227 E Superior St, Alma, MI, 48801 | 43.2 | |
| State Farm | Dave Hallada | 308 E Main Street Po Box 669, Stanton, MI, 48888 | 49.7 | |
| State Farm | Scott Macgregor | 5108 Eastman Ave Ste 2, Midland, MI, 48640-6823 | 38.1 | |
| Farmers | Russell Winter | 1454 N Mcewan St, Clare, MI, 48617 | 11.9 | |
| State Farm | Randy Boyer | 315 Prospect Ave, Alma, MI, 48801-1669 | 43.2 | |
| State Farm | John Benson | 212 W North St, Cadillac, MI, 49601-1814 | 33.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $570 | $1,060 | $490 |
| Clare County, MI | $85,000 | $674 | $470 | $920 | $450 |
| Clare County, MI | $85,000 | $674 | $480 | $960 | $480 |
| Wise, MI | $89,500 | $703 | $500 | $1,000 | $500 |
| Loomis, MI | $76,700 | $680 | $480 | $970 | $490 |
| Gladwin, MI | $86,600 | $698 | $480 | $970 | $490 |
| Jerome, MI | $126,500 | $761 | $520 | $1,060 | $540 |
| Selma, MI | $118,600 | $750 | $530 | $1,060 | $530 |
| Midland, MI | $144,000 | $762 | $550 | $1,080 | $530 |
| Breckenridge, MI | $70,400 | $667 | $450 | $930 | $480 |
| Day, MI | $84,200 | $693 | $500 | $960 | $460 |
| Morley, MI | $70,700 | $668 | $490 | $920 | $430 |
| Orange, MI | $104,900 | $729 | $520 | $1,010 | $490 |