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

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Girard 2 Beds, 1 Bath, 1070 sqft $59,000 $16
Pennfield charter 4 Beds, 3 Baths, 3,000 sqft $318,000 $84
Brooklyn 4 Beds, 3 Baths, 2,820 sqft $244,000 $85
Amboy 4 Beds, 2 Baths, 1,990 sqft $157,000 $50
Coldwater 3 Beds, 2 Baths, 1,330 sqft $92,000 $52
Reading 4 Beds, 2 Baths, 1,990 sqft $112,000 $60
Hanover 3 Beds, 1 Bath, 1,750 sqft $193,000 $71
Prairie Ronde 2 Beds, 1 Bath, 1,070 sqft $91,000 $24
Bryan, OH 3 Beds, 2 Baths, 2,360 sqft $261,000 $47
Otsego, IN 3 Beds, 2 Baths, 1,650 sqft $147,000 $53
Clarendon 3 Beds, 1 Bath, 2,180 sqft $146,000 $49
Emmett charter 3 Beds, 1 Bath, 1,610 sqft $96,000 $48
Topeka, IN 3 Beds, 1 Bath, 2,140 sqft $256,000 $45
Grass Lake 2 Beds, 1 Bath, 1,220 sqft $95,000 $39
Allen 2 Beds, 1 Bath, 1,330 sqft $139,000 $61
Clearspring, IN 2 Beds, 1 Bath, 1,070 sqft $79,000 $29
Battle Creek 4 Beds, 3 Baths, 3,040 sqft $160,000 $75
Johnstown 2 Beds, 1 Bath, 1,680 sqft $171,000 $39
Baltimore 3 Beds, 2 Baths, 1,940 sqft $170,000 $52
Stryker, OH 4 Beds, 3 Baths, 3,130 sqft $236,000 $50
Galesburg 3 Beds, 1 Bath, 2,110 sqft $265,000 $56

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

Here are some typical claims filed in Girard:

Claim Typical Claim Amount
APPLIANCE RELATED WATER $16,500
WIND $8,000
THEFT/BURGLARY $3,000

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

  • Farmers: Chuck Newton, 203 s main st, Reading, MI, 49274 (517) 283-1510
  • State Farm: Lisa Sands, 103 greenfield blvd, Marshall, MI, 49068-1067 269-781-8668
  • Allstate: Brian Hodson, 403 marshall st, Coldwater, MI, 49036 (517) 278-2236
  • Liberty Mutual Independent: Denbrock Insurance Agency, 455 w chicago st ste b, Coldwater, MI, 49036 (517) 227-5871
  • Farmers: Aaron Pietila, 122 s grand st, Marshall, MI, 49068 (269) 789-2900

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 650-699 Credit Score $100 to $150,000 More than 3 Pets at home, Smoker $250
Unemployed Up to 499 Credit Score <$25,000 3 Pets, Non-Smoker $200
Part Time Job 700-749 Credit Score <$25,000 No Pets, Non-Smoker $530