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Bay County, MI Home Insurance - How Can I Get it Cheap

Here are some techniques one should use to buy Bay County, MI home insurance & get cheap rates.

1) Insure Personal Belongings In Your Bay County, MI Homeowners Insurance Coverage

Example Personal Belongings Category Price
Cuisinart CPO-600 Alfrescamore Portable Outdoor Pizza Oven Lawn & Patio $299.99
Safavieh Lighting Collection Amy Gourd Glass Table Lamp, Red, Set of 2 Home $414.00
Denon DM40SBK D-M40 Ultimate Micro System Music System $499.99
LG Electronics 55EG9600 55-inch 4K Ultra HD 3D Curved Smart OLED TV (2015 Model) Home Theater $5,499.99
Acer Aspire E 15 E5-573G-79JP 15.6-inch Full HD Notebook - Charcoal Gray (Windows 10) Personal Computer $699.99
Audio-Technica System 10 Pro Digital Wireless - Dual Handheld System Musical Instruments $1,119.00
Sony HAPZ1ES 1TB Hi-Res Music Player System Speakers $1,999.99
LG LMV1683ST Over-The-Range Microwave Oven with 300 CFM Venting System, 1.6 Cubic Feet Major Appliances $279.00
Mack 5 Year Warranty Certificate for TVs Priced up to $7500 (1412) Refrigerator $520.00
Coaster 100224 Rolled Arm Bench with Cushioned Seat Furniture $546.00

2) Home Security Systems Lowers Your Bay County, MI Home Insurance

Example Home Security Systems Price
GW Security GW4CH2CM2061 4 CH 1080P 1 TB NVR and 2 x HD 1080P 2.8-12 mm Varifocal 180-Feet IR Distance PoE IP Security Camera System $569.00
GW Security VDG16CH-CVI-PK-4TB 16 Channel 1080p Preview 720p Realtime HD-CVI Security Camera System with 1.0MP Outdoor/Indoor Wide Angle Cameras $1,599.00
GW Security VD12CHC7 16 Channel HDCVI DVR Camera System 10 x 1/2.9 HDCVI Color IR CCTV Security Camera, 1 Megapixel Color CMOS, 2.8-12 mm Lens (Colorful) $2,100.00
GW Security 8 Channel Realtime NVR Kit (1TB HD): 8 X HD-IP Camera. 1/2.5" 5 Megapixel CMOS Sensor. 2.8-12mm Manual Varifocal Megapixel Lens, 64PCs IR LED, 180 feet IR Distance. *** High Definition Video Surveillance For Your Home or Business $2,200.00
ANRAN 8ch Channel HDMI NVR Real-time Video Recorder Motion Detection 2.0MP 1080P POE IP Outdoor Security Cameras System 3TB HDD $1,800.00
AAS-V700 Wireless Home Security Alarm System Kit DIY $499.99
GW Security VD16CH16C50WD 16 Channel 960H DVR Surveillance Camera System with Varifocal 196-Feet IR Day Night Outdoor Security Camera (Grey) $1,699.00
Watchguard XTM 330 Firewall Appliance (WG330061) $1,220.00
GW Security VD8CHIP9 8 CH NVR 8 x HD-IP 1/3-Inch CMOS 3.6mm Camera $935.00
Defender Sentinel Pro 8CH H.264 Smart Security DVR with 1TB Storage Including 8 Ultra Hi-Res Outdoor Surveillance Cameras,21113 $1,189.99

3) Stop Smoking to Reduce Your Bay County, MI Home Insurance

County Percentage of smokers
Alpena county including Maple Ridge, Ossineke, Long Rapids, Alpena County, Alpena 22%
Saginaw county including Freeland, Taymouth, Spaulding, Oakley, Maple Grove 19%
Eaton county including Charlotte, Kalamo, Roxand, Olivet, Dimondale 21%
Bay county including Mount Forest, Frankenlust, Essexville, Williams charter, Bay City 23%
Ionia county including Ionia, Clarksville, Muir, Boston, Keene 19%
Lenawee county including Adrian, Morenci, Tecumseh, Rome, Madison charter 17%
Shiawassee county including Perry, Woodhull, Owosso charter, Durand, Morrice 21%
Benzie county including Crystal Lake, Bendon, Thompsonville, Elberta, Almira 12%
Mason county including Hamlin, Mason County, Victory, Pere Marquette charter, Free Soil 23%
Calhoun county including Springfield, Battle Creek, Clarence, Calhoun County, Albion 26%

4) Seniors Get More Home Insurance Discounts in Bay County, MI

Senior Population in Bay County, MI compared to similar areas eligible for home insurance
Place 55-60 Years 60-70 Years >70 Years
Bay County 8032 12074 12466
Henderson 19 38 36
Beaverton 106 187 171
Gilford 67 59 87
Koylton 96 198 125
Kochville 341 451 307
Frankenlust 254 526 433
Freeland 410 349 461
Corunna 162 289 463
Baldwin 167 347 293
Caro 218 455 557