Gavop's guide to buying homeowners insurance in Macomb 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 | $54,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $129,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $130,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $188,000 | $150,000 | $200,000-$250,000 |
| 5 Bedroom | $176,000 | $150,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $658 |
| Superior Protection Discount | -$77 | $689 |
| Fire & Security Discount | -$69 | $696 |
| Hail Resistant Roof Discount | -$15 | $750 |
| Newly Constructed Home Discount | -$191 | $574 |
| 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 |
| Macomb County | $2,000 | $756 | $2,756 | $550 | $2,550 | $207 |
| Macomb County, MI | $1,000 | $756 | $1,756 | $550 | $1,550 | $207 |
| Utica, MI | $500 | $766 | $1,266 | $556 | $1,056 | $209 |
| Richmond, MI | $1,500 | $669 | $2,169 | $486 | $1,986 | $183 |
| Warren, MI | $300 | $694 | $994 | $504 | $804 | $190 |
| Cottrellville, MI | $2,500 | $834 | $3,334 | $606 | $3,106 | $228 |
| Orion charter, MI | $500 | $763 | $1,263 | $554 | $1,054 | $208 |
| Riley, MI | $2,500 | $830 | $3,330 | $603 | $3,103 | $227 |
| Marysville, MI | $500 | $696 | $1,196 | $505 | $1,005 | $190 |
| Hadley, MI | $700 | $880 | $1,580 | $640 | $1,340 | $241 |
| Commerce charter, MI | $100 | $751 | $851 | $546 | $646 | $205 |
| Southgate, MI | $1,500 | $655 | $2,155 | $476 | $1,976 | $179 |
| Home Insurance Company Macomb County, MI | Homeowners Insurance Agency Macomb County, MI | Address | Popularity Score | Distance from Macomb County (miles) |
|---|---|---|---|---|
| Allstate | John Ivkov | 42770 Van Dyke Ave, Sterling Heights, MI, 48314 | 7.6 | |
| State Farm | Cheryl Kowalczyk | 31613 Gratiot Ave, Roseville, MI, 48066-4553 | 9.8 | |
| Allstate | Terri Megge | 35409 Jefferson Ave, Harrison Township, MI, 48045 | 8.6 | |
| Allstate | Ian Henson | 4568 W Walton Blvd Ste A, Waterford, MI, 48329 | 23.9 | |
| Allstate | Steven Pake | 700 S Main St Ste 108, Lapeer, MI, 48446 | 33.0 | |
| Allstate | Thea Collins | 1984 E Auburn Rd, Rochester Hills, MI, 48307 | 9.6 | |
| Farmers | Maryann Eickmann | 33180 Groesbeck Hwy, Fraser, MI, 48026 | 9.1 | |
| State Farm | Ken Mazzola | 1826 E Auburn Road, Rochester Hills, MI, 48307-4884 | 9.7 | |
| Allstate | Stanley Hoover | 38329 Dodge Park Rd, Sterling Heights, MI, 48312 | 8.3 | |
| State Farm | Ralph Everitt | 7800 Metropolitan Pkwy, Sterling Heights, MI, 48312-1054 | 9.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,080 | $520 |
| Macomb County, MI | $146,700 | $765 | $520 | $1,060 | $540 |
| Macomb County, MI | $146,700 | $765 | $520 | $1,060 | $540 |
| Utica, MI | $136,100 | $775 | $560 | $1,060 | $500 |
| Richmond, MI | $159,200 | $677 | $450 | $940 | $490 |
| Warren, MI | $102,100 | $702 | $470 | $1,000 | $530 |
| Cottrellville, MI | $188,100 | $844 | $620 | $1,170 | $550 |
| Orion charter, MI | $240,400 | $772 | $560 | $1,070 | $510 |
| Riley, MI | $185,300 | $840 | $610 | $1,170 | $560 |
| Marysville, MI | $123,200 | $704 | $500 | $970 | $470 |
| Hadley, MI | $222,100 | $891 | $640 | $1,230 | $590 |
| Commerce charter, MI | $231,700 | $760 | $540 | $1,060 | $520 |
| Southgate, MI | $95,400 | $663 | $480 | $940 | $460 |