Gavop shows you how to buy homeowners insurance in Lapeer 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 | $57,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $145,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $186,000 | $170,000 | $175,000-$200,000 |
| 4 Bedroom | $273,500 | $240,000 | $200,000-$250,000 |
| 5 Bedroom | $361,000 | $300,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $633 |
| Superior Protection Discount | -$69 | $703 |
| Fire & Security Discount | -$69 | $703 |
| Hail Resistant Roof Discount | -$23 | $749 |
| Newly Constructed Home Discount | -$154 | $618 |
| 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 |
| Lapeer County | $700 | $763 | $1,463 | $554 | $1,254 | $208 |
| Lapeer County, MI | $700 | $763 | $1,463 | $554 | $1,254 | $208 |
| Brown City, MI | $400 | $671 | $1,071 | $488 | $888 | $183 |
| Leonard, MI | $700 | $745 | $1,445 | $541 | $1,241 | $204 |
| White Lake charter, MI | $400 | $724 | $1,124 | $526 | $926 | $198 |
| Gilford, MI | $2,000 | $714 | $2,714 | $519 | $2,519 | $195 |
| Mount Clemens, MI | $400 | $642 | $1,042 | $467 | $867 | $176 |
| Sanilac, MI | $1,500 | $755 | $2,255 | $549 | $2,049 | $206 |
| Gagetown, MI | $400 | $604 | $1,004 | $439 | $839 | $165 |
| Grosse Pointe Woods, MI | $2,000 | $719 | $2,719 | $522 | $2,522 | $196 |
| Northville, MI | $500 | $936 | $1,436 | $680 | $1,180 | $256 |
| Frankenlust, MI | $2,000 | $796 | $2,796 | $579 | $2,579 | $218 |
| Home Insurance Company Lapeer County, MI | Homeowners Insurance Agency Lapeer County, MI | Address | Popularity Score | Distance from Lapeer County (miles) |
|---|---|---|---|---|
| State Farm | Mimmo Vitale | 909 E Eleven Mile Rd, Royal Oak, MI, 48067 | 41.6 | |
| State Farm | Kathryn Schram | 48875 Gratiot Ave, Chesterfield, MI, 48051-2616 | 35.3 | |
| State Farm | Sandy Meador | 19587 Mack Avenue, Grosse Pointe Woods, MI, 48236-2838 | 48.5 | |
| Farmers | Ronald Storm | 23965 Novi Rd Ste 130, Novi, MI, 48375 | 44.9 | |
| Travelers | Al Bourdeau Insurance Agency | 30777 Northwestern Ste 201, Farmington Hills, MI, 48333 | 40.1 | |
| Allstate | Michael Jaboro | 43207 Woodward Ave, Bloomfield Hills, MI, 48302 | 33.4 | |
| Allstate | Carolyn Tack-West | 580 W 14 Mile Rd, Clawson, MI, 48017 | 38.5 | |
| Allstate | Shirley Nichols | 26647 Southfield Rd, Lathrup Village, MI, 48076 | 41.6 | |
| Allstate | Joel Schembri | 6606 Telegraph Rd Ste B, Bloomfield Hills, MI, 48301 | 37.8 | |
| State Farm | Ken Mazzola | 1826 E Auburn Road, Rochester Hills, MI, 48307-4884 | 31.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,090 | $530 |
| Lapeer County, MI | $151,400 | $772 | $550 | $1,060 | $510 |
| Lapeer County, MI | $151,400 | $772 | $530 | $1,070 | $540 |
| Brown City, MI | $76,300 | $679 | $490 | $960 | $470 |
| Leonard, MI | $121,100 | $754 | $510 | $1,050 | $540 |
| White Lake charter, MI | $209,300 | $732 | $530 | $1,010 | $480 |
| Gilford, MI | $101,500 | $723 | $500 | $1,030 | $530 |
| Mount Clemens, MI | $87,000 | $650 | $440 | $890 | $450 |
| Sanilac, MI | $128,500 | $764 | $510 | $1,080 | $570 |
| Gagetown, MI | $44,700 | $611 | $430 | $860 | $430 |
| Grosse Pointe Woods, MI | $205,000 | $727 | $490 | $1,010 | $520 |
| Northville, MI | $387,300 | $948 | $680 | $1,340 | $660 |
| Frankenlust, MI | $159,500 | $806 | $560 | $1,140 | $580 |