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This startling study about Shepherd, MI Home Insurance Rates will give you a different perspective & keep your homeowners insurance really low.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Shepherd 3 Beds, 2 Baths, 1630 sqft $102,000 $36
Shepherd 2 Beds, 1 Bath, 1,680 sqft $111,000 $39
Lafayette 3 Beds, 1 Bath, 1,370 sqft $105,000 $26
Watertown charter 3 Beds, 2 Baths, 1,810 sqft $143,000 $37
Emerson 4 Beds, 3 Baths, 3,000 sqft $271,000 $54
Bentley 4 Beds, 1 Bath, 2,060 sqft $171,000 $58
Sidney 3 Beds, 2 Baths, 1,460 sqft $96,000 $52
Loomis 3 Beds, 2 Baths, 1,480 sqft $108,000 $42
Owosso charter 2 Beds, 1 Bath, 1,470 sqft $63,000 $29
Broomfield 3 Beds, 1 Bath, 2,160 sqft $186,000 $38
Edmore 4 Beds, 2 Baths, 3,210 sqft $190,000 $62
Lyons 2 Beds, 1 Bath, 1,000 sqft $87,000 $22
Robin Glen-Indiantown 2 Beds, 1 Bath, 1,380 sqft $103,000 $25
Albee 3 Beds, 1 Bath, 1,710 sqft $108,000 $45
Billings 2 Beds, 1 Bath, 1,800 sqft $186,000 $59
Grout 2 Beds, 1 Bath, 1,250 sqft $124,000 $47
Chapin 4 Beds, 3 Baths, 2,670 sqft $183,000 $67
Crystal 4 Beds, 3 Baths, 2,950 sqft $245,000 $94
Douglass 3 Beds, 1 Bath, 1,600 sqft $81,000 $38
Victor 4 Beds, 3 Baths, 1,810 sqft $113,000 $49
Eagle 2 Beds, 1 Bath, 1,420 sqft $97,000 $33

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

Here are some typical claims filed in Shepherd:

Claim Typical Claim Amount
APPLIANCE RELATED WATER $16,500
WATER DAMAGE $10,500
FREEZING WATER (INCLUDES BURSTING PIPES) $9,000

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

  • State Farm: Peggy Pickler, 2264 e remus road, Mt Pleasant, MI, 48858-9001 989-772-4042
  • Allstate: Michael Love, 4585 e pickard st ste j, Mount Pleasant, MI, 48858 (989) 773-7300
  • Liberty Mutual Independent: Crapo Agy Of Mt Pleasant Dba, 206 n franklin st, Mt Pleasant, MI, 48858 (989) 773-7353
  • Farmers: Julie Gronda, 102 e broadway st, Mt Pleasant, MI, 48858 (989) 330-1983
  • State Farm: Randy Boyer, 315 prospect ave, Alma, MI, 48801-1669 989-463-6297

Your Background Impacts Your Home Insurance Quotes

Here is a list of Shepherd, 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 $75 to $100,000 No Pets, Non-Smoker $480
Freelancer 750-799 Credit Score $100 to $150,000 More than 3 Pets at home, Smoker $540
Part Time Job Up to 499 Credit Score <$25,000 2 Pets, Non-Smoker $340