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Stephenson, MI Home Insurance Rates - What Drives It?

The variables explained here drive your Stephenson, MI Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Stephenson 2 Beds, 1 Bath, 1660 sqft $107,000 $34
Clay Banks, WI 2 Beds, 1 Bath, 1,490 sqft $105,000 $37
Bay de Noc 4 Beds, 2 Baths, 1,640 sqft $120,000 $52
Waucedah 4 Beds, 2 Baths, 3,290 sqft $273,000 $56
Breed, WI 2 Beds, 1 Bath, 1,790 sqft $120,000 $39
Beaver, WI 2 Beds, 1 Bath, 1,130 sqft $44,000 $17
Wausaukee, WI 2 Beds, 1 Bath, 1,220 sqft $71,000 $30
Fence, WI 3 Beds, 2 Baths, 1,870 sqft $142,000 $48
Sevastopol, WI 2 Beds, 1 Bath, 960 sqft $75,000 $29
Bagley, WI 3 Beds, 2 Baths, 2,210 sqft $121,000 $59
Mellen 3 Beds, 2 Baths, 1,320 sqft $89,000 $28
Ephraim, WI 4 Beds, 2 Baths, 2,520 sqft $151,000 $43
Nasewaupee, WI 4 Beds, 2 Baths, 3,260 sqft $251,000 $56
Brussels, WI 4 Beds, 3 Baths, 2,100 sqft $155,000 $40
Stiles, WI 4 Beds, 2 Baths, 1,870 sqft $135,000 $37
Riverview, WI 4 Beds, 2 Baths, 2,480 sqft $131,000 $41
Daggett 3 Beds, 2 Baths, 1,720 sqft $121,000 $39
Ingallston 4 Beds, 2 Baths, 2,090 sqft $90,000 $27
Dunbar, WI 4 Beds, 3 Baths, 2,020 sqft $166,000 $44
Gibraltar, WI 4 Beds, 3 Baths, 2,880 sqft $213,000 $62
Pembine, WI 2 Beds, 1 Bath, 910 sqft $43,000 $22

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

Here are some typical claims filed in Stephenson:

Claim Typical Claim Amount
DAMAGE TO PROPERTY OF OTHERS $10,000
FIRE $33,500
THEFT SCHEDULED PROPERTY $18,500

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

  • State Farm: Tony Furton, 3840 10th st, Menominee, MI, 49858-1304 906-863-4464
  • Allstate: Amberg Division, n14690 wontor rd, Amberg, WI, 54102 (715) 759-5892

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 600-649 Credit Score >$150,000 2 Pets, Smoker $180
Full Time Job 650-699 Credit Score $50 to $75,000 No Pets, Smoker $950
Part Time Job Up to 499 Credit Score <$25,000 More than 3 Pets at home, Non-Smoker $110