Gavop's guide to buying homeowners insurance in Sturgis, MI covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $34,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $104,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $103,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $146,500 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $123,500 | $100,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$89 | $549 |
| Superior Protection Discount | -$58 | $581 |
| Fire & Security Discount | -$64 | $575 |
| Hail Resistant Roof Discount | -$13 | $626 |
| Newly Constructed Home Discount | -$185 | $454 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,156 |
| Physical Damage | $2,513 |
| Hail Damage | $4,853 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $17,556 |
| Home Insurance Company Sturgis, MI | Homeowners Insurance Agency Sturgis, MI | Address | Popularity Score | Distance from Sturgis (miles) |
|---|---|---|---|---|
| State Farm | Jeremy Weitting | 911 Dix St Ste A, Otsego, MI, 49078-1609 | 47.1 | |
| State Farm | Lyn Nash | 118 N Centerville Rd, Sturgis, MI, 49091-1308 | 0.5 | |
| State Farm | Mike May | 2275 S 11th St, Kalamazoo, MI, 49009-1902 | 34.6 | |
| Allstate | Melissa Kleinert | 310 S Us Highway 131, Three Rivers, MI, 49093 | 15.4 | |
| State Farm | Greg Hoover | 186 S Wshgton St Ste 1, Constantine, MI, 49042-1048 | 13.2 | |
| Liberty Mutual Independent | Denbrock Insurance Agency | 455 W Chicago St Ste B, Coldwater, MI, 49036 | 22.8 | |
| State Farm | Ernie Lahusky | 19915 Capital Ave Ne Ste 204, Battle Creek, MI, 49017-8124 | 41.1 | |
| Farmers | Leslie Nabozny | 9100 E D Ave, Richland, MI, 49083 | 39.8 | |
| State Farm | Sandy Woods | 215 E Green St, Marshall, MI, 49068-1534 | 40.2 | |
| Allstate | Jeffery Cope | 812 Capital Ave Sw, Battle Creek, MI, 49015 | 36.2 |
| 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 |
| St. Joseph County, MI | $111,200 | $717 | $490 | $1,010 | $520 |
| Sturgis, MI | $80,500 | $639 | $450 | $900 | $450 |
| Coldwater, MI | $82,000 | $641 | $460 | $890 | $430 |
| Steuben County, IN | $136,300 | $838 | $600 | $1,200 | $600 |
| Volinia, MI | $140,100 | $780 | $570 | $1,080 | $510 |
| Eel River, IN | $190,100 | $989 | $680 | $1,400 | $720 |
| Huntertown, IN | $154,500 | $911 | $670 | $1,280 | $610 |
| Winona Lake, IN | $165,400 | $937 | $670 | $1,320 | $650 |
| Arlington, MI | $106,300 | $731 | $530 | $1,050 | $520 |
| Hartford, MI | $85,800 | $696 | $470 | $970 | $500 |
| Concord, MI | $128,100 | $764 | $540 | $1,080 | $540 |