Gavop shows you how to buy homeowners insurance in Dowagiac, 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 | $28,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $76,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $77,000 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $105,000 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $88,000 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$86 | $529 |
| Superior Protection Discount | -$55 | $559 |
| Fire & Security Discount | -$49 | $566 |
| Hail Resistant Roof Discount | -$12 | $602 |
| Newly Constructed Home Discount | -$148 | $467 |
| 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 |
| Cass County | $2,000 | $731 | $2,731 | $531 | $2,531 | $200 |
| Dowagiac, MI | $2,000 | $607 | $2,607 | $441 | $2,441 | $166 |
| Cleveland, IN | $300 | $705 | $1,005 | $512 | $812 | $193 |
| Prairie Ronde, MI | $2,000 | $856 | $2,856 | $622 | $2,622 | $234 |
| Sherman, MI | $100 | $804 | $904 | $584 | $684 | $220 |
| New Buffalo, MI | $2,000 | $877 | $2,877 | $638 | $2,638 | $240 |
| Valley, MI | $400 | $755 | $1,155 | $549 | $949 | $206 |
| Gun Plain, MI | $700 | $667 | $1,367 | $485 | $1,185 | $182 |
| Lagrange, IN | $300 | $679 | $979 | $493 | $793 | $185 |
| Saugatuck, MI | $1,000 | $913 | $1,913 | $663 | $1,663 | $249 |
| Hamlet, IN | $200 | $620 | $820 | $451 | $651 | $170 |
| Wolcottville, IN | $700 | $661 | $1,361 | $480 | $1,180 | $181 |
| Home Insurance Company Dowagiac, MI | Homeowners Insurance Agency Dowagiac, MI | Address | Popularity Score | Distance from Dowagiac (miles) |
|---|---|---|---|---|
| Allstate | Melissa Kleinert | 531 N Grand St # B, Schoolcraft, MI, 49087 | 26.2 | |
| State Farm | Dondi Squires | 249 E Michigan Ave, Paw Paw, MI, 49079-1427 | 19.8 | |
| State Farm | Dan Chilla | 424 Western Ave Ste B, Allegan, MI, 49010-1086 | 39.7 | |
| State Farm | Lorie Bowers | 68935 Gateway Dr, Edwardsburg, MI, 49112-9491 | 13.0 | |
| Liberty Mutual Independent | Mahar Insurance Agency | 210 W Division St, Dowagiac, MI, 49047 | 0.2 | |
| Liberty Mutual Independent | Mahar Insurance Agency | 210 W Division St, Dowagiac, MI, 49047 | 0.2 | |
| Allstate | Melissa Kleinert | 310 S Us Highway 131, Three Rivers, MI, 49093 | 24.0 | |
| State Farm | Jason Vadney | 4078 Red Arrow Hwy, Saint Joseph, MI, 49085-9209 | 21.1 | |
| Farmers | Bob Strobel | 5945 W Main St Ste 104, Kalamazoo, MI, 49009 | 31.5 | |
| State Farm | Scott Stewart | 2429 S 11th St, Niles, MI, 49120-4413 | 15.6 |
| 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 |
| Cass County, MI | $127,600 | $740 | $530 | $1,030 | $500 |
| Dowagiac, MI | $67,300 | $615 | $450 | $840 | $390 |
| Cleveland, IN | $130,900 | $713 | $520 | $1,010 | $490 |
| Prairie Ronde, MI | $204,500 | $866 | $600 | $1,190 | $590 |
| Sherman, MI | $165,200 | $814 | $580 | $1,160 | $580 |
| New Buffalo, MI | $220,100 | $888 | $630 | $1,250 | $620 |
| Valley, MI | $128,500 | $764 | $530 | $1,050 | $520 |
| Gun Plain, MI | $157,900 | $675 | $480 | $970 | $490 |
| Lagrange, IN | $83,600 | $687 | $490 | $980 | $490 |
| Saugatuck, MI | $243,700 | $924 | $630 | $1,310 | $680 |
| Hamlet, IN | $69,600 | $628 | $450 | $860 | $410 |
| Wolcottville, IN | $79,100 | $669 | $450 | $950 | $500 |