Gavop tells you how to get the best homeowners insurance in Otsego County, MI by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Otsego County, MI - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Northstar Rd, Calkin Lake Rd, Big Lake Rd, Borden Rd, Grim Ct, Manuka Lake Rd, Glen Woods Trl, Silver Spring St, Cynthia Ln, W Dixon Lake Rd | $128,000 | $100,000 | $125,000-$150,000 | $116,000 | $100,000 | $75,000-$100,000 |
| Yogacharya Way, Roberts Ave, E Alexander Rd, Harrington Rd, Rockyshore, Hemlock St, Beech St, Old 27 Hwy N, Heatherton Rd, Jewell Rd | $115,500 | $100,000 | $100,000-$125,000 | $84,000 | $80,000 | $100,000-$125,000 |
| Wm H Kelly Rd, Lewis Rd, Woodin Rd, E 5th St, Mad Crow Trl, Wequas Lake Rd, Highland Ave, Aranac Trl, Michaywe Dr, Steep Hollow | $93,000 | $80,000 | $75,000-$100,000 | $86,000 | $70,000 | $75,000-$100,000 |
| Ridgewood Ct, Groveland Ave, Porcupine Path, White Clouds Trl, Winterland Dr, Kosiara Rd, Juneberry Trl, Sunrose Trl, Wah Wah Soo Rd, Duck Pond Trl | $212,500 | $180,000 | $175,000-$200,000 | $140,000 | $120,000 | $125,000-$150,000 |
| Nowak Rd, Saddleback Rd, Oak Cliff Ct, Sandpiper Trl, Acorn Dr, Kingfisher Ct, E Ashley Rd, Co Rd F 38, Pawnee Trl, Tonawanda Trl | $201,500 | $190,000 | $200,000-$250,000 | $84,000 | $70,000 | $75,000-$100,000 |
| Gas Co Trl, Douglas Lake Rd, Shaggy Bark Ct, Division St, W Martin Lake Rd, Lakeside Ct, Kimball Ave, Arawak Pass, Cardnal Ct, W Vail Ln | $148,000 | $140,000 | $125,000-$150,000 | $107,000 | $90,000 | $100,000-$125,000 |
| Estelle Rd, Nottingham Rd W, Eagles Nest Ln, William H Kelly Rd, Leino Rd, Old 27 Hwy N, Shell Rd, Golden Ridge Ln, Alpine Rd, Page Trl | $105,000 | $90,000 | $100,000-$125,000 | $83,500 | $80,000 | $75,000-$100,000 |
| Deer Trl, W McCoy Rd, Corey Cove, N Estates Dr, White Mountain Ln, Gingell Rd, Kubacki Rd, Woodridge, Leelanau Trl, Loshaw Dr | $92,500 | $90,000 | $75,000-$100,000 | $104,000 | $90,000 | $100,000-$125,000 |
| Dora St, Flott Rd, Joan St, Honeydew Ln, Fazio Dr, Alba Hwy, S Borden Dr, Shallow Shores Dr, Lynx Trl, Co Rd F-44 | $164,500 | $150,000 | $125,000-$150,000 | $146,000 | $140,000 | $100,000-$125,000 |
| Softwood Trl, Ranger Lake Rd Trl, Meecher Rd, Woodview Trl, Mount Vernon Hills Dr, Lippard Rd, Log Cabin Ln, Dennis Ln, Fallen Timbers Trl, Bay Shore Ln | $103,000 | $90,000 | $75,000-$100,000 | $71,500 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $599 |
| Superior Protection Discount | -$70 | $634 |
| Fire & Security Discount | -$63 | $641 |
| Hail Resistant Roof Discount | -$14 | $691 |
| Newly Constructed Home Discount | -$148 | $557 |
| 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 |
| Otsego County | $2,500 | $696 | $3,196 | $506 | $3,006 | $190 |
| Otsego County, MI | $1,000 | $696 | $1,696 | $506 | $1,506 | $190 |
| Otsego Lake, MI | $300 | $790 | $1,090 | $574 | $874 | $216 |
| Canada Creek Ranch, MI | $700 | $753 | $1,453 | $547 | $1,247 | $206 |
| Grayling charter, MI | $200 | $649 | $849 | $471 | $671 | $177 |
| Rust, MI | $1,500 | $703 | $2,203 | $511 | $2,011 | $192 |
| Ocqueoc, MI | $500 | $763 | $1,263 | $554 | $1,054 | $208 |
| Inverness, MI | $1,000 | $718 | $1,718 | $522 | $1,522 | $196 |
| Mitchell, MI | $300 | $736 | $1,036 | $535 | $835 | $201 |
| Whitewater, MI | $2,500 | $875 | $3,375 | $636 | $3,136 | $239 |
| Pulawski, MI | $400 | $693 | $1,093 | $503 | $903 | $189 |
| Prudenville, MI | $1,000 | $736 | $1,736 | $535 | $1,535 | $201 |
| Home Insurance Company Otsego County, MI | Homeowners Insurance Agency Otsego County, MI | Address | Popularity Score | Distance from Otsego County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Gaylor Insurance Agency | 308 Lake St, Roscommon, MI, 48653 | 36.4 | |
| Farmers | Paula Carter | 103 W Main St, Gaylord, MI, 49735 | 4.8 | |
| State Farm | Christi Neubecker | 305 Bennett St, Rose City, MI, 48654-9587 | 47.3 | |
| Travelers | Kirtland Agency | 401 Morenci, Mio, MI, 48647 | 33.5 | |
| Travelers | Kirtland Agency | 401 Morenci St, Mio, MI, 48647 | 33.8 | |
| State Farm | Jeff Halstead | 5728 W M 72 Hwy Ste A, Grayling, MI, 49738-7461 | 25.8 | |
| Allstate | John Weber | 2384 S I 75 Business Loop, Grayling, MI, 49738 | 26.3 | |
| State Farm | Elizabeth Fortino | 531 S. Fifth Street, Roscommon, MI, 48653 | 36.5 | |
| State Farm | Sue Schoenith | 844 S Main St, Cheboygan, MI, 49721-2283 | 42.3 | |
| State Farm | Jason Goodale | 621 W 2nd St, Gaylord, MI, 49735-1732 | 5.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,090 | $560 |
| Otsego County, MI | $124,100 | $705 | $480 | $980 | $500 |
| Otsego County, MI | $124,100 | $705 | $470 | $1,000 | $530 |
| Otsego Lake, MI | $154,900 | $800 | $540 | $1,100 | $560 |
| Canada Creek Ranch, MI | $126,600 | $762 | $510 | $1,070 | $560 |
| Grayling charter, MI | $91,200 | $657 | $480 | $940 | $460 |
| Rust, MI | $95,000 | $712 | $510 | $990 | $480 |
| Ocqueoc, MI | $133,800 | $772 | $520 | $1,100 | $580 |
| Inverness, MI | $103,800 | $727 | $520 | $1,040 | $520 |
| Mitchell, MI | $115,100 | $745 | $500 | $1,040 | $540 |
| Whitewater, MI | $218,900 | $886 | $640 | $1,250 | $610 |
| Pulawski, MI | $88,600 | $701 | $500 | $970 | $470 |
| Prudenville, MI | $115,700 | $745 | $510 | $1,060 | $550 |