Gavop shows you how to buy homeowners insurance in Independence charter, 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 | $57,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $156,000 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $181,500 | $150,000 | $200,000-$250,000 |
| 4 Bedroom | $208,500 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $153,000 | $140,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $653 |
| Superior Protection Discount | -$77 | $692 |
| Fire & Security Discount | -$54 | $715 |
| Hail Resistant Roof Discount | -$23 | $746 |
| Newly Constructed Home Discount | -$154 | $615 |
| 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 |
| Oakland County | $1,500 | $837 | $2,337 | $608 | $2,108 | $229 |
| Independence charter, MI | $2,500 | $759 | $3,259 | $552 | $3,052 | $208 |
| Grand Blanc, MI | $100 | $656 | $756 | $477 | $577 | $179 |
| Fenton charter, MI | $1,500 | $713 | $2,213 | $518 | $2,018 | $195 |
| Ray, MI | $500 | $838 | $1,338 | $609 | $1,109 | $229 |
| Livingston County, MI | $1,500 | $849 | $2,349 | $617 | $2,117 | $232 |
| Dearborn Heights, MI | $400 | $680 | $1,080 | $494 | $894 | $186 |
| Emmett, MI | $1,500 | $789 | $2,289 | $574 | $2,074 | $216 |
| Millington, MI | $200 | $762 | $962 | $554 | $754 | $208 |
| Flat Rock, MI | $700 | $638 | $1,338 | $464 | $1,164 | $174 |
| Juniata, MI | $500 | $727 | $1,227 | $528 | $1,028 | $199 |
| Waterloo, MI | $1,500 | $816 | $2,316 | $593 | $2,093 | $223 |
| Home Insurance Company Independence charter, MI | Homeowners Insurance Agency Independence charter, MI | Address | Popularity Score | Distance from Independence charter (miles) |
|---|---|---|---|---|
| State Farm | Dawn Pullis | 89 W South Blvd Ste 300, Troy, MI, 48085-1600 | 15.8 | |
| Allstate | Sara Tyranski | 2012 S Wayne Rd, Westland, MI, 48186 | 31.3 | |
| Allstate | Scott Cunningham | 17405 Fort St, Riverview, MI, 48193 | 40.4 | |
| Allstate | Marty Knollenberg | 198 E Big Beaver Rd, Troy, MI, 48083 | 18.0 | |
| State Farm | Sandy Meador | 19587 Mack Avenue, Grosse Pointe Woods, MI, 48236-2838 | 33.1 | |
| Liberty Mutual Independent | Complete Insurance Services Inc | 1717 Cass Lake Rd, Keego Harbor, MI, 48320 | 9.5 | |
| Farmers | Ronald Storm | 23965 Novi Rd Ste 130, Novi, MI, 48375 | 19.9 | |
| Allstate | Michael Barrett | 2649 Plymouth Rd, Ann Arbor, MI, 48105 | 34.7 | |
| Liberty Mutual Independent | Guy Hurley Blaser & Heuer Llc | 1080 Kirts Blvd, Ste 500, Troy, MI, 48084 | 17.6 | |
| State Farm | Ken Wagner | 11764 Newburgh Rd, Livonia, MI, 48150-1061 | 26.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,060 | $500 |
| Oakland County, MI | $209,800 | $847 | $570 | $1,180 | $610 |
| Independence charter, MI | $237,700 | $769 | $510 | $1,070 | $560 |
| Grand Blanc, MI | $148,000 | $664 | $450 | $940 | $490 |
| Fenton charter, MI | $200,000 | $722 | $480 | $990 | $510 |
| Ray, MI | $191,200 | $848 | $580 | $1,170 | $590 |
| Livingston County, MI | $218,700 | $859 | $630 | $1,220 | $590 |
| Dearborn Heights, MI | $93,600 | $689 | $470 | $970 | $500 |
| Emmett, MI | $154,100 | $799 | $540 | $1,100 | $560 |
| Millington, MI | $133,000 | $771 | $530 | $1,060 | $530 |
| Flat Rock, MI | $131,900 | $646 | $450 | $880 | $430 |
| Juniata, MI | $109,400 | $736 | $530 | $1,020 | $490 |
| Waterloo, MI | $174,600 | $826 | $590 | $1,130 | $540 |