Gavop shows you how to buy homeowners insurance in Otsego, 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 | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $89,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $108,000 | $100,000 | $75,000-$100,000 |
| 4 Bedroom | $126,500 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $313,500 | $290,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $528 |
| Superior Protection Discount | -$64 | $579 |
| Fire & Security Discount | -$51 | $592 |
| Hail Resistant Roof Discount | -$13 | $631 |
| Newly Constructed Home Discount | -$142 | $502 |
| 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 |
| Allegan County | $1,000 | $762 | $1,762 | $554 | $1,554 | $208 |
| Otsego, MI | $2,000 | $636 | $2,636 | $462 | $2,462 | $174 |
| Oshtemo charter, MI | $400 | $697 | $1,097 | $507 | $907 | $191 |
| Heath, MI | $1,500 | $822 | $2,322 | $597 | $2,097 | $225 |
| Cutlerville, MI | $100 | $634 | $734 | $461 | $561 | $173 |
| Bowne, MI | $2,000 | $871 | $2,871 | $633 | $2,633 | $238 |
| Cascade charter, MI | $100 | $842 | $942 | $612 | $712 | $230 |
| Keeler, MI | $2,000 | $794 | $2,794 | $577 | $2,577 | $217 |
| Mulliken, MI | $500 | $708 | $1,208 | $515 | $1,015 | $194 |
| Eaton, MI | $2,500 | $780 | $3,280 | $567 | $3,067 | $213 |
| Belding, MI | $400 | $638 | $1,038 | $463 | $863 | $174 |
| Home Insurance Company Otsego, MI | Homeowners Insurance Agency Otsego, MI | Address | Popularity Score | Distance from Otsego (miles) |
|---|---|---|---|---|
| State Farm | Jeremy Weitting | 911 Dix St Ste A, Otsego, MI, 49078-1609 | 2.8 | |
| State Farm | Dan Chilla | 424 Western Ave Ste B, Allegan, MI, 49010-1086 | 7.8 | |
| State Farm | Mike Folkert | 7653 Riverview Dr, Jenison, MI, 49428-6900 | 30.2 | |
| State Farm | Sterling Massey | 5384 Division Ave S, Kentwood, MI, 49548-5631 | 27.4 | |
| Farmers | Bob Strobel | 5945 W Main St Ste 104, Kalamazoo, MI, 49009 | 12.7 | |
| Allstate | Brian Johnson | 6216 Stadium Dr, Kalamazoo, MI, 49009 | 14.9 | |
| State Farm | Rich Dubois | 3415 W Main St, Kalamazoo, MI, 49006-6060 | 13.2 | |
| Farmers | Leslie Nabozny | 9100 E D Ave, Richland, MI, 49083 | 15.8 | |
| State Farm | Tom Mikel | 3430 Hollywood Rd, Saint Joseph, MI, 49085-9551 | 46.9 | |
| State Farm | Gary Younce | 221 E Chicago St, Bronson, MI, 49028-1316 | 49.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $570 | $1,070 | $500 |
| Allegan County, MI | $150,600 | $771 | $560 | $1,100 | $540 |
| Otsego, MI | $129,700 | $643 | $430 | $910 | $480 |
| Oshtemo charter, MI | $185,700 | $706 | $520 | $980 | $460 |
| Heath, MI | $179,300 | $832 | $600 | $1,190 | $590 |
| Cutlerville, MI | $128,100 | $642 | $470 | $900 | $430 |
| Bowne, MI | $216,500 | $882 | $600 | $1,260 | $660 |
| Cascade charter, MI | $290,100 | $852 | $600 | $1,220 | $620 |
| Keeler, MI | $157,800 | $804 | $570 | $1,110 | $540 |
| Mulliken, MI | $98,000 | $717 | $490 | $1,010 | $520 |
| Eaton, MI | $146,600 | $789 | $540 | $1,090 | $550 |
| Belding, MI | $84,500 | $645 | $440 | $880 | $440 |