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

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Otsego County 4 Beds, 2 Baths, 2430 sqft $168,000 $84
Echo 4 Beds, 2 Baths, 2,920 sqft $292,000 $50
Vienna 3 Beds, 2 Baths, 1,700 sqft $89,000 $51
Levering 3 Beds, 2 Baths, 2,110 sqft $178,000 $90
Livingston 2 Beds, 1 Bath, 940 sqft $53,000 $21
Lyon 3 Beds, 2 Baths, 2,170 sqft $199,000 $79
Posen 4 Beds, 2 Baths, 3,110 sqft $279,000 $49
Wellington 2 Beds, 1 Bath, 1,120 sqft $98,000 $27
Foster 4 Beds, 1 Bath, 3,290 sqft $318,000 $77
Maple Forest 2 Beds, 1 Bath, 910 sqft $77,000 $30
Aloha 3 Beds, 1 Bath, 2,030 sqft $131,000 $69
Carp Lake 2 Beds, 1 Bath, 1,550 sqft $166,000 $48
Bear Creek 2 Beds, 1 Bath, 910 sqft $79,000 $16
Petoskey 2 Beds, 1 Bath, 1,640 sqft $95,000 $34
Little Traverse 4 Beds, 3 Baths, 3,130 sqft $254,000 $48
Briley 4 Beds, 3 Baths, 2,060 sqft $159,000 $56
Allis 4 Beds, 1 Bath, 1,640 sqft $156,000 $49
Lovells 3 Beds, 2 Baths, 1,540 sqft $110,000 $28
Mio 3 Beds, 2 Baths, 2,020 sqft $143,000 $50
Lewiston 3 Beds, 1 Bath, 2,330 sqft $138,000 $75
Koehler 3 Beds, 1 Bath, 1,420 sqft $124,000 $30

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

Here are some typical claims filed in Otsego County:

Claim Typical Claim Amount
THEFT SCHEDULED PROPERTY $24,000
PHYSICAL DAMAGE $5,500
FREEZING WATER (INCLUDES BURSTING PIPES) $12,000

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

  • State Farm: Jason Goodale, 621 w 2nd st, Gaylord, MI, 49735-1732 989-748-4031
  • Farmers: Paula Carter, 103 w main st, Gaylord, MI, 49735 (989) 748-4840

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job 500-549 Credit Score $100 to $150,000 3 Pets, Non-Smoker $70
Retired 700-749 Credit Score $25 to 50,000 2 Pets, Non-Smoker $190
Freelancer 750-799 Credit Score $25 to 50,000 1 Pet, Non-Smoker $410