Gavop's guide to buying homeowners insurance in Alpena, 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 | $27,500 | $20,000 | $25,000-$50,000 |
| 2 Bedroom | $75,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $91,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $118,000 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $124,500 | $110,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$50 | $579 |
| Home and Two Car | -$107 | $523 |
| Home and Three Car | -$157 | $472 |
| 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 |
| Alpena County | $700 | $653 | $1,353 | $475 | $1,175 | $179 |
| Alpena, MI | $1,000 | $622 | $1,622 | $452 | $1,452 | $170 |
| Long Rapids, MI | $300 | $721 | $1,021 | $524 | $824 | $197 |
| Presque Isle Harbor, MI | $2,000 | $815 | $2,815 | $592 | $2,592 | $223 |
| Alcona, MI | $200 | $778 | $978 | $565 | $765 | $212 |
| Pulawski, MI | $1,500 | $693 | $2,193 | $503 | $2,003 | $189 |
| Moltke, MI | $300 | $730 | $1,030 | $531 | $831 | $200 |
| Case, MI | $2,500 | $690 | $3,190 | $501 | $3,001 | $188 |
| Mentor, MI | $500 | $669 | $1,169 | $486 | $986 | $183 |
| Oscoda County, MI | $1,000 | $636 | $1,636 | $462 | $1,462 | $174 |
| North Allis, MI | $400 | $735 | $1,135 | $534 | $934 | $201 |
| Wilber, MI | $2,000 | $729 | $2,729 | $530 | $2,530 | $199 |
| Home Insurance Company Alpena, MI | Homeowners Insurance Agency Alpena, MI | Address | Popularity Score | Distance from Alpena (miles) |
|---|---|---|---|---|
| State Farm | Sean Clarke | 120 S State St, Oscoda, MI, 48750-1633 | 45.5 | |
| State Farm | Cory Budnick | 176 N 3rd St, Rogers City, MI, 49779-1609 | 30.0 | |
| Travelers | Lappan Agency Inc | 180 South Ripley Blvd, Alpena, MI, 49707 | 1.7 | |
| Allstate | Lois Ann Gibbs | 712 S Brook St, Alpena, MI, 49707 | 2.4 | |
| State Farm | Roger Lemons | 201 E Main St, Harrisville, MI, 48740-9218 | 29.8 | |
| Travelers | Kirtland Agency | 401 Morenci, Mio, MI, 48647 | 44.5 | |
| Travelers | Kirtland Agency | 401 Morenci St, Mio, MI, 48647 | 44.7 | |
| State Farm | Neil Seabase | 1013 S State Ave Ste A, Alpena, MI, 49707-3677 | 1.7 | |
| Liberty Mutual Independent | Top Omichigan Ins Agcy Inc | 514 N Ripley Blvd, Alpena, MI, 49707 | 1.2 | |
| Farmers | Sharon Elwell | 21090 M 68 Ste C, Onaway, MI, 49765 | 43.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $570 | $1,090 | $520 |
| Alpena County, MI | $94,000 | $661 | $480 | $910 | $430 |
| Alpena, MI | $75,200 | $630 | $430 | $880 | $450 |
| Long Rapids, MI | $106,000 | $730 | $520 | $1,040 | $520 |
| Presque Isle Harbor, MI | $173,900 | $825 | $590 | $1,140 | $550 |
| Alcona, MI | $145,100 | $787 | $540 | $1,110 | $570 |
| Pulawski, MI | $88,600 | $701 | $470 | $970 | $500 |
| Moltke, MI | $111,700 | $739 | $510 | $1,040 | $530 |
| Case, MI | $86,600 | $698 | $500 | $960 | $460 |
| Mentor, MI | $75,500 | $677 | $490 | $950 | $460 |
| Oscoda County, MI | $83,400 | $644 | $470 | $910 | $440 |
| North Allis, MI | $114,800 | $744 | $540 | $1,060 | $520 |
| Wilber, MI | $110,500 | $738 | $530 | $1,040 | $510 |