Burnham & Flower Insurance Group
315 S Kalamazoo Mall, Kalamazoo, MI 49007
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Kalamazoo households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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315 S Kalamazoo Mall, Kalamazoo, MI 49007
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5955 W Main St, Suite 635, Kalamazoo, MI 49009
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5071 W H Ave, Kalamazoo, MI 49009
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5579 Stadium Drive, Kalamazoo, MI 49009
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5955 W Main St, Suite 616, Kalamazoo, MI 49009
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251 N Rose St, Ste 200, Kalamazoo, MI 49007
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220 N. Drake Road, Kalamazoo, MI 49009
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Learn about insurance coverage options specific to Kalamazoo residents.
Kalamazoo home insurance costs $1,200-$1,600/year. Learn about lake-effect snow damage, river flooding, and how to get the right coverage.
Car InsuranceKalamazoo drivers pay $196/month average. Understand Michigan's no-fault system, PIP options, I-94 risks, and how to save on car insurance coverage.
General Insurance EducationComplete insurance guide for Kalamazoo residents. Learn about Michigan's no-fault auto insurance, home coverage, flood risks, and how to save on rates.
Michigan law doesn't require homeowners to carry insurance, but if you have a mortgage, your lender will require it as a condition of the loan. Even if you own your home outright, going without insurance is a massive financial risk. One major storm or fire could wipe out your life savings.
No. Standard home insurance policies specifically exclude flood damage. Given Kalamazoo's history of river flooding in 2008 and 2018, you should purchase a separate flood insurance policy through the National Flood Insurance Program. It's especially critical if you live near the river or in a designated flood zone.
Your dwelling coverage should reflect the cost to rebuild your home, not its market value. With average Kalamazoo home values around $223,841 and construction costs rising, most homes need $200,000 to $350,000 in dwelling coverage. Your insurance agent can provide a replacement cost estimate based on your home's specific features, age, and square footage.
Probably. Michigan homeowners saw renewal premiums jump 21% recently, driven by inflation, rising construction costs, and increasing weather-related claims. Even though Kalamazoo has lower baseline rates than much of Michigan, you should expect gradual increases. Shopping around every few years helps ensure you're not overpaying.
Wind and hail damage accounts for 75% of all home insurance claims across Michigan, and Kalamazoo is no exception. Lake-effect storms can bring high winds, heavy snow, and damaging hail. Make sure your policy covers these perils without excessive deductibles or coverage restrictions.
Always choose replacement cost coverage for both your dwelling and personal property. Actual cash value coverage deducts depreciation, meaning you'll get far less money to replace damaged items. Replacement cost coverage pays what it actually costs to rebuild or replace, giving you the financial resources you need to recover fully from a loss.
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