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Read how home insurance experts are helping Hay, MI homeowners save money & get cheap home insurance.

Get Quotes From The Best & Compare

Each home insurance policy is distinct & we show how few needs influence rates in Hay

Makes your home insurance higher Makes your home insurance lower

$170 is your homeowners insurance for a property near Cherokee St, Westfield Rd, Center St, St Arthur, Clement Dr

Home value$75,500Cheaper by $8,300 compared to a median property in Hay
Credit ScoreExcellentYour great credit rating makes it less expensive for you by $70
No of claims2Your 2 past claims make your premium more expensive by $40
Replacement Value$90,600Cheaper by $33,627 compared to the average replacement cost of a property in Hay
Nearby agents : John Drzewicki, 1104 S Madison Ave, Bay City, MI

$220 is your homeowners insurance for a property near E Pointe Dr, Burling Dr, White Star Dr, E Mc Kimmey Dr, E Knox Rd

No of claims1Your 1 past claim makes your premium more expensive by $30
Deductible$500 DeductibleGoing for a higher deductible of ($500-$1000) could save you $30
Marital StatusNever married"Never married" status is similar to that of 720 (61.0%) folks in Hay
Home value$83,500Cheaper by $300 compared to a usual house in Hay
Nearby agents : Durussel Insurance Agency, 10 East Munger Munger, Merritt Township, MI

$360 is your homeowners insurance for a property near Clement Dr, Westfield Rd, St Arthur, Center St, Cherokee St

Credit ScorePoor$90 higher because your credit grade is not excellent
Replacement Value$115,910$2,539 less than average home replacement value in Hay
No of Bedrooms2582 (43.8%) properties in Hay have 2 bedrooms
No of Vehicles Available0Not eligible for discount
Nearby agents : Larry Boon, 815 Columbus Ave, Bay City, MI

$270 is your homeowners insurance for a property near Burling Dr, E Pointe Dr, E Knox Rd, E Mc Kimmey Dr, White Star Dr

Credit ScorePoor$70 more expensive because your credit score is not great
Home value$56,000$27,800 below the typical house cost in Hay
Deductible$2500-$5000 Deductible$2500-$5000 Deductible reduces your rate by $90
Marital StatusNow marriedIn Hay, 670 (57.1%) individuals have the status of "Now married"
Nearby agents : Randy Boyer, 315 Prospect Ave, Alma, MI

$350 is your homeowners insurance for a property near Clement Dr, Westfield Rd, Cherokee St, St Arthur, Center St

Home Constructed Year1976259 (19.5%) houses were constructed between 1970 and 1979 in Hay
No of Bedrooms3In Hay, 519 (39.1%) houses have 3 bedrooms
Marital StatusNever married720 (61.0%) individuals have the status of "Never married" in Hay
Deductible$500 DeductibleOpting for a higher deductible of ($500-$1000) could save you $40
Nearby agents : Aaron Lang, 4713 State Street, Saginaw, MI

$210 is your homeowners insurance for a property near White Star Dr, E Pointe Dr, Burling Dr, E Mc Kimmey Dr, E Knox Rd

No of claims1$30 higher premium because of 1 previous claims
Home Constructed Year1955142 (10.7%) homes in Hay were built between 1950 and 1959
Replacement Value$67,650Cheaper by $30,750 compared to the usual replacement value of a home in Hay
Marital StatusSeparatedIn Hay, 20 (1.2%) individuals have the status of "Separated"
Nearby agents : Plum Harris Insurance, 706 South Euclid Ave , Bay City, MI

$490 is your homeowners insurance for a property near Center St, St Arthur, Cherokee St, Westfield Rd, Clement Dr

Home value$176,000$92,200 above the median home cost in Hay
No of claims0Possibility of $150 concession because of no previous claims
Replacement Value$242,880Costlier by $125,394 compared to the usual replacement value of a house in Hay
Deductible$500 DeductibleGoing for a higher deductible of ($500-$1000) will save you $50
Nearby agents : Scott Seamon, 2412 Midland Rd, Saginaw, MI

$1040 is your homeowners insurance for a property near Burling Dr, E Knox Rd, E Pointe Dr, E Mc Kimmey Dr, White Star Dr

Home value$224,500Your home is $140,700 more than the average price in Hay
Home Constructed Year2000In Hay, 152 (11.4%) houses were constructed between 2000 and 2009
Age59In Hay 127 (9.5%) folks are between 55 to 59 years
Replacement Value$289,605$182,405 above the median property replacement cost in Hay
Nearby agents : Durussel Insurance Agency, 3741-C E Wilder Bay City, City of Bay City, MI

$370 is your homeowners insurance for a property near Westfield Rd, Center St, Cherokee St, Clement Dr, St Arthur

No of Bedrooms2In Hay, 582 (43.8%) properties have 2 bedrooms
Home value$67,500Your home is $16,300 below the typical cost in Hay
Marital StatusNever married"Never married" status is similar to that of 720 (61.0%) people in Hay
No of Vehicles Available3Enquire about a car & homeowners insurance consolidation rebate of $130
Nearby agents : Moulthrop-Clift, Inc., 5100 Eastman Ave, Midland, MI

$380 is your homeowners insurance for a property near Westfield Rd, St Arthur, Clement Dr, Cherokee St, Center St

No of claims0You qualify for a no claims discount of $120
Home Constructed Year1955In Hay, 142 (10.7%) houses were built between 1950 and 1959
Credit ScoreExcellentYour superb credit score makes it cheaper for you by $150
Replacement Value$156,770Costlier by $30,617 compared to the average replacement price of a home in Hay
Nearby agents : Monte Wilder, 118 South Elm St, Hemlock, MI

$270 is your homeowners insurance for a property near Cherokee St, Westfield Rd, Clement Dr, Center St, St Arthur

No of Vehicles Available2Ask for a car & homeowners insurance bundle reduction of $100
Home Constructed Year1999In Hay, 317 (23.9%) homes were made between 1990 and 1999
Age6479 (5.9%) individuals aged between 62 and 64 in Hay
Credit ScoreFairProspective savings of $110 on your home insurance in Hay with Excellent credit
Nearby agents : General Agency Company, 525 East Broadway Mount Pleasant, Mount Pleasant, MI

$230 is your homeowners insurance for a property near Westfield Rd, Center St, Clement Dr, St Arthur, Cherokee St

Home value$89,000Costlier by $5,200 compared to an average house in Hay
Marital StatusMarried, spouse presentIn Hay, 50 (3.9%) persons have the status of "Married, spouse present"
No of claims0You qualify for a no claims concession of $70
Deductible$1000-$2500 DeductibleYou save $30 by going for a $1000-$2500 Deductible
Nearby agents : Hinkle Witbeck Agency, Inc., 233 N Main Street, Evart, MI

$280 is your homeowners insurance for a property near Westfield Rd, St Arthur, Clement Dr, Cherokee St, Center St

Home value$55,000Cheaper by $28,800 compared to an average property in Hay
No of Vehicles Available0Not eligible for discount
Credit ScorePoorA great credit grade makes your rate cheaper by $70
No of Bedrooms2In Hay, 582 (43.8%) homes have 2 bedrooms
Nearby agents : R A Monk Ins Agcy, 5347 Dixie Hwy., Bridgeport, MI

$220 is your homeowners insurance for a property near Cherokee St, Center St, Clement Dr, Westfield Rd, St Arthur

No of claims1Your 1 prior claim makes your rate more expensive by $30
Home Constructed Year1991317 (23.9%) homes in Hay were constructed between 1990 and 1999
Home value$96,000Costlier by $12,200 compared to a typical home in Hay
Credit ScoreFairSavings of $90 on your home insurance in Hay with Excellent credit
Nearby agents : Breckenridge Insurance Agency, 126 Eaton Street, Breckenridge, MI

$180 is your homeowners insurance for a property near Clement Dr, Westfield Rd, Center St, St Arthur, Cherokee St

Home value$72,500Cheaper by $11,300 compared to a usual home in Hay
No of claims1Your 1 prior claim makes your premium more expensive by $20
Replacement Value$91,350Your replacement price is $42,507 cheaper than the median property in Hay
Marital StatusSeparated20 (1.2%) individuals have the status of "Separated" in Hay
Nearby agents : Steven Pero, 1413 Center Ave, Bay City, MI

$290 is your homeowners insurance for a property near Westfield Rd, Cherokee St, Center St, St Arthur, Clement Dr

Marital StatusNever marriedIn Hay, 720 (61.0%) folks have the status of "Never married"
Home Constructed Year2009152 (11.4%) homes in Hay were constructed between 2000 and 2009
No of claims0Potential for $90 reduction because of no previous claims
Home value$130,000Your home is $46,200 costlier than the median value in Hay
Nearby agents : Mci Insurance Inc, 701 N Madison Ave Bay City, City of Bay City, MI

$270 is your homeowners insurance for a property near Cherokee St, St Arthur, Clement Dr, Center St, Westfield Rd

No of Vehicles Available0Not eligible for discount
Home value$97,000Costlier by $13,200 compared to a usual home in Hay
Age6670 (5.2%) people are between 65 - 66 years in Hay
Replacement Value$122,220Your replacement value is $2,808 above the typical house in Hay
Nearby agents : Debra Obrien, 55 Harrow Ln Ste 3, Saginaw, MI

$220 is your homeowners insurance for a property near St Arthur, Clement Dr, Westfield Rd, Cherokee St, Center St

Replacement Value$106,470$19,683 cheaper than the usual property replacement value in Hay
Age68In Hay 56 (4.2%) persons are between 67 to 69 years
Home value$84,500Your home is $700 more than the average price in Hay
No of Vehicles Available3 Due to potential auto & home policy consolidation you are eligible for a $80 reduction
Nearby agents : Ieuter Insurance Group Inc, 414 TOWNSEND ST, MIDLAND, MI

$460 is your homeowners insurance for a property near Cherokee St, Center St, Westfield Rd, Clement Dr, St Arthur

Marital StatusNever married720 (61.0%) individuals have the status of "Never married" in Hay
No of claims0Possibility of $140 reduction due to no previous claims
No of Bedrooms2582 (43.8%) homes have 2 bedrooms in Hay
Age58127 (9.5%) individuals aged between 55 and 59 in Hay
Nearby agents : Goodall Insurance Agency, 261 W Saginaw, Sanford, MI

$530 is your homeowners insurance for a property near Clement Dr, Westfield Rd, Center St, St Arthur, Cherokee St

Home value$125,000$41,200 more than the average house cost in Hay
No of Vehicles Available2You qualify for a car & home bundle insurance rebate of $190
Credit ScorePoor$130 higher because your credit score is not superb
Marital StatusNever marriedIn Hay, 720 (61.0%) persons have the status of "Never married"
Nearby agents : Lisa Jankoska, 2135 N Center Rd, Saginaw, MI

$200 is your homeowners insurance for a property near Clement Dr, St Arthur, Westfield Rd, Center St, Cherokee St

Home value$73,000Cheaper by $10,800 compared to a usual home in Hay
Credit ScoreExcellent Request for a rebate of $80 because of your excellent credit grade
Age6756 (4.2%) folks are between 67 - 69 years in Hay
Home Constructed Year1976259 (19.5%) properties in Hay were built between 1970 and 1979
Nearby agents : Michael Love, 4585 E Pickard St Ste J, Mount Pleasant, MI

$200 is your homeowners insurance for a property near Westfield Rd, Center St, Clement Dr, Cherokee St, St Arthur

Credit ScoreExcellentYour great credit grade makes it less expensive for you by $80
No of Bedrooms2582 (43.8%) houses in Hay have 2 bedrooms
Home Constructed Year1959142 (10.7%) homes in Hay were constructed between 1950 and 1959
Home value$75,500$8,300 less than the typical property value in Hay
Nearby agents : Dave Russell, 3923 Bay Rd, Saginaw, MI

$210 is your homeowners insurance for a property near Center St, St Arthur, Westfield Rd, Cherokee St, Clement Dr

No of Bedrooms2In Hay, 582 (43.8%) properties have 2 bedrooms
Replacement Value$137,335Costlier by $6,367 compared to the average replacement value of a home in Hay
Deductible$2500-$5000 Deductible$2500-$5000 Deductible lowers your rate by $90
Home Constructed Year1953In Hay, 142 (10.7%) houses were made between 1950 and 1959
Nearby agents : Howard Szaroletta, 3741 Tittabawassee Rd Ste B, Saginaw, MI

$470 is your homeowners insurance for a property near Center St, St Arthur, Cherokee St, Clement Dr, Westfield Rd

No of claims0Possibility of $150 reduction because of no past claims
No of Bedrooms2In Hay, 582 (43.8%) properties have 2 bedrooms
Replacement Value$120,650$2,201 more than median property replacement value in Hay
Credit ScorePoorNot having a superb credit rating makes your rate by $110
Nearby agents : Al Clemons, 1411 Woodside Ave, Essexville, MI

$240 is your homeowners insurance for a property near St Arthur, Center St, Clement Dr, Westfield Rd, Cherokee St

No of Bedrooms2582 (43.8%) properties have 2 bedrooms in Hay
Credit ScoreFairSavings of $100 on your home insurance in Hay with Excellent credit
No of claims1Your premiums will increase by $30 due to 1 past claims
No of Vehicles Available3 Due to possible auto & home policy bundle you qualify for a $90 reduction
Nearby agents : Jerry Chapin, 7680 Gratiot Rd Ste 3, Saginaw, MI

$510 is your homeowners insurance for a property near St Arthur, Cherokee St, Westfield Rd, Clement Dr, Center St

Age6670 (5.2%) people are between 65 - 66 years in Hay
Marital StatusMarried, spouse absent40 (2.7%) people have the status of "Married, spouse absent" in Hay
No of Vehicles Available4 Because of potential car & homeowners insurance bundle you qualify for a $180 rebate
Home value$98,000Your property is $14,200 more than the median price in Hay
Nearby agents : Thomas C Campbell, 902 S Euclid Ave, Bay City, MI

$190 is your homeowners insurance for a property near St Arthur, Cherokee St, Clement Dr, Center St, Westfield Rd

Replacement Value$68,310Your replacement price is $47,250 below the typical home in Hay
Home value$49,500$34,300 less than the typical house value in Hay
Age6756 (4.2%) persons aged between 67 and 69 in Hay
No of Bedrooms2582 (43.8%) homes in Hay have 2 bedrooms
Nearby agents : Heritage Wise Group, 6660 GRATIOT RD, SAGINAW, MI

$540 is your homeowners insurance for a property near Clement Dr, Cherokee St, Center St, St Arthur, Westfield Rd

No of claims2$110 higher rate because of 2 previous claims
Home value$99,500$15,700 costlier than usual house price in Hay
Home Constructed Year2003152 (11.4%) homes were constructed between 2000 and 2009 in Hay
Credit ScorePoorNot having a superb credit score makes your rate by $130
Nearby agents : June Fisk, 600 W 7th St, Evart, MI

$220 is your homeowners insurance for a property near Westfield Rd, Cherokee St, St Arthur, Center St, Clement Dr

No of Bedrooms2582 (43.8%) houses in Hay have 2 bedrooms
Replacement Value$116,510Your replacement value is $10,606 below the usual property in Hay
No of claims0Potential for $70 rebate because of no prior claims
Deductible$1000-$2500 Deductible$50 savings by going for a $1000-$2500 Deductible
Nearby agents : Jim Kruszynski, 6173 Dixie Hwy, Bridgeport, MI

$280 is your homeowners insurance for a property near St Arthur, Clement Dr, Westfield Rd, Cherokee St, Center St

No of claims3$90 higher rate because of 3 previous claims
Home value$83,000Cheaper by $800 compared to an average home in Hay
Age4581 (6.0%) individuals are between 45 - 49 years in Hay
Marital StatusWidowed150 (12.4%) persons have the status of "Widowed" in Hay
Nearby agents : Duclos Insurance Agency, Inc., 7531 Gratiot, Saginaw, MI