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Gilford, MI Home Insurance Rates - What Affects It?

The issues listed mainly affect Gilford, MI Home Insurance Rates & getting on top of them can keep your costs really cheap.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Gilford 3 Beds, 2 Baths, 2080 sqft $161,000 $48
Prescott 2 Beds, 1 Bath, 1,660 sqft $90,000 $42
Bentley 2 Beds, 1 Bath, 1,450 sqft $90,000 $43
Melvin 3 Beds, 1 Bath, 1,360 sqft $99,000 $32
Bridgeport 3 Beds, 1 Bath, 2,070 sqft $128,000 $51
Grim 2 Beds, 1 Bath, 1,220 sqft $82,000 $32
Mount Morris 3 Beds, 2 Baths, 2,160 sqft $160,000 $63
Clayton charter 3 Beds, 1 Bath, 1,960 sqft $204,000 $84
Clio 3 Beds, 1 Bath, 1,690 sqft $159,000 $37
Lynn 3 Beds, 2 Baths, 1,490 sqft $114,000 $35
Barnes Lake-Millers Lake 2 Beds, 1 Bath, 1,630 sqft $130,000 $61
Swartz Creek 2 Beds, 1 Bath, 1,520 sqft $122,000 $45
Gilford 3 Beds, 1 Bath, 1,500 sqft $132,000 $35
Birch Run 4 Beds, 3 Baths, 1,890 sqft $134,000 $57
Ubly 4 Beds, 2 Baths, 2,150 sqft $118,000 $46
Elkton 2 Beds, 1 Bath, 1,280 sqft $95,000 $33
Billings 4 Beds, 1 Bath, 1,890 sqft $162,000 $48
Forest 3 Beds, 1 Bath, 1,470 sqft $101,000 $28
Delaware 3 Beds, 1 Bath, 2,370 sqft $125,000 $37
Arcadia 3 Beds, 2 Baths, 1,940 sqft $138,000 $43
Elkland 4 Beds, 2 Baths, 2,820 sqft $228,000 $67

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

Here are some typical claims filed in Gilford:

Claim Typical Claim Amount
PHYSICAL DAMAGE $6,000
THEFT/BURGLARY $3,000
WIND $8,000

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

  • Travelers: R A Monk Insurance Agency, 5347 dixie highway, Saginaw, MI, 48601 517-777-0470
  • State Farm: Al Clemons, 1411 woodside ave, Essexville, MI, 48732-1243 989-893-6586
  • Allstate: Max Mcgee, 3212 tittabawassee rd, Saginaw, MI, 48604 (989) 249-0110
  • Liberty Mutual Independent: Saginaw Bay Underwriters, 1258 s washington ave, Saginaw, MI, 48601 (989) 752-8600
  • Farmers: Ace Castle, 1800 s euclid ave, Bay City, MI, 48706 (989) 667-2188

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 550-599 Credit Score <$25,000 No Pets, Non-Smoker $370
Part Time Job 700-749 Credit Score $25 to 50,000 2 Pets, Smoker $50
Unemployed 800-850 Credit Score <$25,000 3 Pets, Non-Smoker $50