Gavop shows you how to buy homeowners insurance in Oregon, 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 | $47,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $90,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $118,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $164,500 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $363,500 | $290,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $555 |
| Superior Protection Discount | -$59 | $601 |
| Fire & Security Discount | -$59 | $601 |
| Hail Resistant Roof Discount | -$13 | $647 |
| Newly Constructed Home Discount | -$145 | $515 |
| 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 |
| Lapeer County | $1,500 | $763 | $2,263 | $554 | $2,054 | $208 |
| Oregon, MI | $1,000 | $652 | $1,652 | $474 | $1,474 | $178 |
| Otter Lake, MI | $500 | $716 | $1,216 | $521 | $1,021 | $196 |
| Grand Blanc, MI | $1,500 | $656 | $2,156 | $477 | $1,977 | $179 |
| Swartz Creek, MI | $200 | $675 | $875 | $491 | $691 | $185 |
| Lynn, MI | $700 | $790 | $1,490 | $574 | $1,274 | $216 |
| Tyrone, MI | $500 | $762 | $1,262 | $554 | $1,054 | $208 |
| Bloomfield Hills, MI | $1,000 | $2,775 | $3,775 | $2,017 | $3,017 | $758 |
| New Haven, MI | $400 | $736 | $1,136 | $535 | $935 | $201 |
| Frankenlust, MI | $700 | $796 | $1,496 | $579 | $1,279 | $218 |
| Genoa, MI | $100 | $771 | $871 | $560 | $660 | $211 |
| Port Huron, MI | $1,500 | $653 | $2,153 | $474 | $1,974 | $178 |
| Home Insurance Company Oregon, MI | Homeowners Insurance Agency Oregon, MI | Address | Popularity Score | Distance from Oregon (miles) |
|---|---|---|---|---|
| State Farm | Jeff Genaw | 46640 Gratiot Ave, Chesterfield, MI, 48051-2866 | 41.4 | |
| State Farm | John Shankool | 1200 W Jenny St, Bay City, MI, 48706-2954 | 43.8 | |
| Liberty Mutual Independent | Morris Insurance Group | 22440 Hall Road Township, Clinton, MI, 48036 | 41.1 | |
| State Farm | Vev Tripp | 24530 Gratiot Ave, Eastpointe, MI, 48021-3309 | 48.2 | |
| Allstate | James Lafranca | 29930 23 Mile Rd, Chesterfield, MI, 48047 | 41.5 | |
| Liberty Mutual Independent | Meadowbrook Insurance Group | 26255 American Dr, Southfield, MI, 48034 | 41.6 | |
| Allstate | Rebecca L. Rusak | 131 W 13 Mile Rd, Madison Heights, MI, 48071 | 42.0 | |
| State Farm | Ann Percy | 4101 John R Rd Ste 500, Troy, MI, 48085-3690 | 38.2 | |
| State Farm | Keith Byard | 947 Baldwin Rd, Lapeer, MI, 48446-3007 | 5.2 | |
| State Farm | Joan Warner | 23285 Farmington Rd, Farmington, MI, 48336-3101 | 43.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,060 | $500 |
| Lapeer County, MI | $151,400 | $772 | $520 | $1,100 | $580 |
| Oregon, MI | $144,500 | $660 | $450 | $930 | $480 |
| Otter Lake, MI | $102,900 | $725 | $510 | $990 | $480 |
| Grand Blanc, MI | $148,000 | $664 | $450 | $920 | $470 |
| Swartz Creek, MI | $108,700 | $684 | $490 | $960 | $470 |
| Lynn, MI | $154,800 | $800 | $570 | $1,130 | $560 |
| Tyrone, MI | $239,600 | $771 | $520 | $1,090 | $570 |
| Bloomfield Hills, MI | $840,300 | $2,809 | $1,990 | $3,880 | $1,890 |
| New Haven, MI | $115,400 | $745 | $540 | $1,050 | $510 |
| Frankenlust, MI | $159,500 | $806 | $590 | $1,100 | $510 |
| Genoa, MI | $246,500 | $780 | $540 | $1,110 | $570 |
| Port Huron, MI | $77,300 | $661 | $480 | $910 | $430 |