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Read about what causes changes in your Hartwick, MI Home Insurance Rates & get great deals with that insight when you compare quotes.

Replacement Value of your home in Hartwick, MI is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Hartwick, MI & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Hartwick 2 Beds, 1 Bath, 1270 sqft $137,000 $41
Newaygo 2 Beds, 1 Bath, 1,750 sqft $172,000 $45
Custer 2 Beds, 1 Bath, 970 sqft $55,000 $20
Cedar 3 Beds, 2 Baths, 1,690 sqft $174,000 $60
Belvidere 2 Beds, 1 Bath, 940 sqft $85,000 $21
Sage 3 Beds, 1 Bath, 1,820 sqft $124,000 $85
Frost 2 Beds, 1 Bath, 980 sqft $71,000 $21
Roscommon 3 Beds, 2 Baths, 1,760 sqft $164,000 $43
Springdale 3 Beds, 1 Bath, 1,640 sqft $148,000 $44
Boon 3 Beds, 2 Baths, 1,820 sqft $120,000 $56
Mount Pleasant 2 Beds, 1 Bath, 1,480 sqft $96,000 $47
Broomfield 2 Beds, 1 Bath, 1,460 sqft $111,000 $21
White Cloud 3 Beds, 2 Baths, 1,440 sqft $112,000 $48
Manton 3 Beds, 1 Bath, 1,440 sqft $104,000 $34
Clam Lake 2 Beds, 1 Bath, 1,550 sqft $135,000 $40
Cadillac 2 Beds, 1 Bath, 1,180 sqft $84,000 $33
Butman 2 Beds, 1 Bath, 1,120 sqft $98,000 $23
Martiny 3 Beds, 2 Baths, 1,440 sqft $146,000 $58
Croton 2 Beds, 1 Bath, 1,430 sqft $130,000 $46
Barton 3 Beds, 2 Baths, 1,490 sqft $148,000 $73
Aetna 2 Beds, 1 Bath, 1,030 sqft $94,000 $26

If your Hartwick, MI home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Hartwick:

Claim Typical Claim Amount
FREEZING WATER (INCLUDES BURSTING PIPES) $9,000
APPLIANCE RELATED WATER $16,500
PHYSICAL DAMAGE $6,000

Your Hartwick, MI insurance agent (see examples below) can help with your claims.

  • State Farm: June Fisk, 600 w 7th st, Evart, MI, 49631-9408 231-734-2735
  • Farmers: James Jim Frizzell, 856 n mitchell st, Cadillac, MI, 49601 (231) 775-7778
  • Liberty Mutual Independent: Coffey Insurance Agency, 207 n mitchell st, Cadillac, MI, 49601
  • Liberty Mutual Independent: Coffey Insurance Agency, 207 n mitchell st, Cadillac, MI, 49601 (231) 775-3421
  • State Farm: Rich Sheldon, 217 e todd ave, Reed City, MI, 49677-1251 231-832-5801

Your Background Impacts Your Home Insurance Quotes

Here is a list of Hartwick, MI homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 650-699 Credit Score <$25,000 2 Pets, Smoker $590
Full Time Job 600-649 Credit Score $100 to $150,000 3 Pets, Smoker $380
Part Time Job 800-850 Credit Score <$25,000 No Pets, Non-Smoker $570