Gavop shows you how to buy homeowners insurance in Charlevoix 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.
| Charlevoix 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 | |
| Metros Rd, Fox Run, Winters St, Sawmill Ln, Pine Chip Rd, Huffman Lake Rd, Fine Out Rd, Roberts Rd, Wordsworth Ave, Spring St | $306,500 | $280,000 | $300,000-$350,000 | $152,500 | $140,000 | $150,000-$175,000 |
| Susan Shores Dr, Main St, Whitfield Vw, Crabtree Ln, Raycraft Rd, Country Club Rd, Jordan Ridge, C-48 Cr, Ferry Ave, W Dietz Rd | $138,500 | $120,000 | $125,000-$150,000 | $138,000 | $120,000 | $125,000-$150,000 |
| S Peninsula Rd, Chandler Hill Rd, Bonar Dr, Bank St, Day Rd, Oyster Bay Dr, E Lincoln Ave, Maple Hill Rd, Valley View Rd, Homestead Ln | $144,000 | $130,000 | $125,000-$150,000 | $121,500 | $110,000 | $125,000-$150,000 |
| Nettleton St, Old State Hwy 75, 5th St, White Rd, Undine Rd, Beck Rd, Shadow Trl W, Gull Island Rd, Limestone Ridge Trl, Waller Rd | $115,000 | $100,000 | $100,000-$125,000 | $120,500 | $100,000 | $100,000-$125,000 |
| Romaniak Rd, Fieldcrest Dr, Park Row, Charlevoix St, C 48 Cr, Thornsen Dr, Cedar St, E Birch Cir, Horton Bay Rd, S Ranney Rd | $126,000 | $110,000 | $100,000-$125,000 | $117,500 | $100,000 | $100,000-$125,000 |
| Carey Ave, Nig's Ln, Main St, Sunterra Trl, Bailey Rd, Driftwood Ct, Norwood St, Lee Rd, Windsor, Vedder Fisher Dr | $125,000 | $100,000 | $125,000-$150,000 | $134,000 | $110,000 | $125,000-$150,000 |
| Pa-Ba-Shan Ln, Red Pine Run, Lexa Mar Dr, Magee Rd S, Cedar Ln, S Snyder Rd, State Hwy 32, High St, Indian Trails Dr, 4th St | $177,000 | $150,000 | $150,000-$175,000 | $190,500 | $170,000 | $150,000-$175,000 |
| Hull St, N Wildwood Trl, Pearsall Rd, Bauman Rd, Woods Creek Dr, Erie St, Dear Hollow Ct, Garden Isle View Rd, Back Hwy, Buff Malloy | $173,500 | $160,000 | $200,000-$250,000 | $146,000 | $120,000 | $150,000-$175,000 |
| S Woodin Rd, Possum Lodge Trl Pt, Norwood St, Fairway Forest Dr, W Crozier Rd, Walloon Ct, Swaybury Ln, N Lake St, Marshall Rd, Brown St | $137,000 | $120,000 | $100,000-$125,000 | $175,500 | $160,000 | $150,000-$175,000 |
| Glenwood Beach Rd, Pine Blvd, Red Pine Trl, Maple Ln S, Dam Rd, Townline Rd, N Ranney Rd, Sherman St, S Waterman Rd, Bieshlag Rd | $161,000 | $130,000 | $150,000-$175,000 | $193,500 | $180,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$128 | $548 |
| Superior Protection Discount | -$68 | $609 |
| Fire & Security Discount | -$68 | $609 |
| Hail Resistant Roof Discount | -$14 | $663 |
| Newly Constructed Home Discount | -$142 | $534 |
| 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 |
| Charlevoix County | $2,000 | $668 | $2,668 | $486 | $2,486 | $183 |
| Charlevoix County, MI | $1,500 | $668 | $2,168 | $486 | $1,986 | $183 |
| Harbor Springs, MI | $400 | $913 | $1,313 | $663 | $1,063 | $249 |
| Emmet County, MI | $1,000 | $787 | $1,787 | $572 | $1,572 | $215 |
| Eveline, MI | $300 | $887 | $1,187 | $645 | $945 | $242 |
| Cross Village, MI | $2,500 | $768 | $3,268 | $558 | $3,058 | $210 |
| Horton Bay, MI | $200 | $868 | $1,068 | $631 | $831 | $237 |
| Levering, MI | $2,500 | $704 | $3,204 | $512 | $3,012 | $193 |
| Wilmot, MI | $400 | $720 | $1,120 | $523 | $923 | $197 |
| Mueller, MI | $2,000 | $678 | $2,678 | $493 | $2,493 | $185 |
| Brevort, MI | $300 | $732 | $1,032 | $532 | $832 | $200 |
| Clearwater, MI | $1,000 | $738 | $1,738 | $536 | $1,536 | $202 |
| Home Insurance Company Charlevoix County, MI | Homeowners Insurance Agency Charlevoix County, MI | Address | Popularity Score | Distance from Charlevoix County (miles) |
|---|---|---|---|---|
| Farmers | Cindy Alexander | 221 W Mitchell St, Petoskey, MI, 49770 | 25.5 | |
| State Farm | David Lord | 630 S Main St Ste 2, Cheboygan, MI, 49721-2324 | 47.7 | |
| Farmers | Jeffrey Peters | 221 W Mitchell St # 1, Petoskey, MI, 49770 | 25.5 | |
| State Farm | Craig Simmons | 1170 Bay View Rd Ste B, Petoskey, MI, 49770-9008 | 26.3 | |
| State Farm | Robb Burkee | 721 Pleasant St, Petoskey, MI, 49770-2840 | 25.3 | |
| State Farm | Sue Schoenith | 844 S Main St, Cheboygan, MI, 49721-2283 | 47.7 | |
| State Farm | Mark Riedy | 4494 S M88, Bellaire, MI, 49615-9700 | 39.6 | |
| State Farm | Craig Simmons | 1170 Bay View Road Suite B, Petoskey, MI, 49770-9008 | 26.3 | |
| State Farm | Mark Elmblad | 8 N State St, Saint Ignace, MI, 49781-1647 | 42.9 | |
| Allstate | Robert Holmes | 6 Spring St, Saint Ignace, MI, 49781 | 42.9 |
| 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 |
| Charlevoix County, MI | $158,800 | $676 | $470 | $930 | $460 |
| Charlevoix County, MI | $158,800 | $676 | $460 | $960 | $500 |
| Harbor Springs, MI | $243,400 | $924 | $670 | $1,280 | $610 |
| Emmet County, MI | $171,100 | $796 | $580 | $1,090 | $510 |
| Eveline, MI | $226,900 | $898 | $620 | $1,250 | $630 |
| Cross Village, MI | $137,500 | $777 | $530 | $1,080 | $550 |
| Horton Bay, MI | $214,200 | $879 | $610 | $1,250 | $640 |
| Levering, MI | $95,600 | $713 | $490 | $980 | $490 |
| Wilmot, MI | $104,900 | $729 | $500 | $1,030 | $530 |
| Mueller, MI | $80,000 | $686 | $490 | $970 | $480 |
| Brevort, MI | $112,500 | $741 | $500 | $1,030 | $530 |
| Clearwater, MI | $117,000 | $747 | $520 | $1,030 | $510 |