Gavop's guide to buying homeowners insurance in Shiawassee County, 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 | $54,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $137,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $138,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $249,500 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $381,000 | $330,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $594 |
| Superior Protection Discount | -$64 | $651 |
| Fire & Security Discount | -$57 | $659 |
| Hail Resistant Roof Discount | -$21 | $694 |
| Newly Constructed Home Discount | -$179 | $537 |
| 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 |
| Shiawassee County | $1,500 | $707 | $2,207 | $514 | $2,014 | $193 |
| Shiawassee County, MI | $700 | $707 | $1,407 | $514 | $1,214 | $193 |
| Durand, MI | $300 | $646 | $946 | $470 | $770 | $177 |
| Gaines, MI | $1,500 | $769 | $2,269 | $559 | $2,059 | $210 |
| Greenbush, MI | $100 | $784 | $884 | $570 | $670 | $214 |
| DeWitt charter, MI | $700 | $671 | $1,371 | $488 | $1,188 | $183 |
| Atlas, MI | $400 | $705 | $1,105 | $512 | $912 | $193 |
| Hubbardston, MI | $2,000 | $674 | $2,674 | $490 | $2,490 | $184 |
| Arcada, MI | $100 | $763 | $863 | $554 | $654 | $208 |
| Muir, MI | $2,500 | $645 | $3,145 | $469 | $2,969 | $176 |
| Evergreen, MI | $300 | $706 | $1,006 | $513 | $813 | $193 |
| Rich, MI | $2,500 | $738 | $3,238 | $536 | $3,036 | $202 |
| Home Insurance Company Shiawassee County, MI | Homeowners Insurance Agency Shiawassee County, MI | Address | Popularity Score | Distance from Shiawassee County (miles) |
|---|---|---|---|---|
| State Farm | Tim Boychuck | 967 S Saginaw Rd, Midland, MI, 48640-4665 | 46.3 | |
| State Farm | Jeff Flowers | 45477 Woodward Ave, Pontiac, MI, 48341-5008 | 49.4 | |
| Liberty Mutual Independent | Complete Insurance Services Inc | 1717 Cass Lake Rd, Keego Harbor, MI, 48320 | 46.9 | |
| Liberty Mutual Independent | Griffin Smalley & Wilkerson | 37000 Grand River Ave, Farmington Hills, MI, 48335 | 50.1 | |
| State Farm | Larry Brandon | 1350 E West Maple Rd, Walled Lake, MI, 48390-3727 | 44.5 | |
| State Farm | Michael Mitchell | 1268 E Grand River Rd Ste 2, Williamston, MI, 48895-8300 | 19.9 | |
| Farmers | John Johnson | 335 N Center St, Northville, MI, 48167 | 49.5 | |
| Farmers | Joseph Oconnor | 5852 S Main St, Clarkston, MI, 48346 | 40.2 | |
| Farmers | Jim Lounsbery | 1640 Haslett Rd, Haslett, MI, 48840 | 19.4 | |
| State Farm | Veronica Murff | 24360 Novi Rd Ste C, Novi, MI, 48375-2462 | 47.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $550 | $1,060 | $510 |
| Shiawassee County, MI | $111,000 | $716 | $490 | $1,020 | $530 |
| Shiawassee County, MI | $111,000 | $716 | $520 | $1,020 | $500 |
| Durand, MI | $63,800 | $654 | $450 | $900 | $450 |
| Gaines, MI | $138,600 | $778 | $520 | $1,070 | $550 |
| Greenbush, MI | $150,400 | $794 | $550 | $1,140 | $590 |
| DeWitt charter, MI | $161,700 | $680 | $460 | $930 | $470 |
| Atlas, MI | $192,100 | $713 | $510 | $1,010 | $500 |
| Hubbardston, MI | $77,900 | $682 | $470 | $940 | $470 |
| Arcada, MI | $133,700 | $772 | $520 | $1,070 | $550 |
| Muir, MI | $63,600 | $653 | $460 | $930 | $470 |
| Evergreen, MI | $96,300 | $715 | $520 | $1,020 | $500 |
| Rich, MI | $116,500 | $747 | $540 | $1,030 | $490 |