12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (2024)

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Our Recommended Top 12 We did the research for you! Providers Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Compare our Top Homeowners Insurance Agencies FAQs Introduction Does your homeowners' insurance cover renovations in Detroit? When should you update your Detroit homeowners' insurance? What is not covered in homeowners' insurance in Detroit? How is homeowners' insurance paid in Detroit? What are some homeowners insurance discounts you may eligible for in Detroit? What determines the price of homeowners insurance premium? What is the difference between home warranty and homeowners insurance? Does Geico offer homeowners insurance? How long does homeowners warranty insurance last? Does homeowners insurance cover water heaters? Are RVs covered under homeowners insurance? Do new buyers need owner\'s title insurance on a new home? Do owner builders need home warranty insurance? Are dogs deaths covered in homeowners insurance? Are earthquakes covered in standard homeowners insurance policies? Are homeowners insurance and car insurance deductible? Are homeowners insurance payouts taxable income? How frequent should one change auto or homeowners insurance to another provider? What should a homeowners insurance include/cover? How much homeowners insurance should someone carry? Related Articles 7 Best Homeowners Insurance Companies of 2024 State Farm Home Insurance Review 2024 Find top Homeowners Insurance Agencies nearby Other top picks in your area References

12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (1)

2024

12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (2)

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Our goal is to connect people with the best local professionals. We scored Detroit Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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Providers

12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (6)

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Featured Provider

7125 Orchard Lake Rd Ste 302, West Bloomfield, MI48322

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5.0 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (7)(602)
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4.9 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (8)(71)
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5.0 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (9)(10)

Why choose this provider?

Phil Klein Insurance Group is an independent agency assisting clients throughout the Detroit, Michigan, metro area with home insurance policies by educating them on available and desirable coverage options and helping them to determine affordable policies agreements using rates offered by associated providers. The agency works with home owners, renters, and landlords, offering consultation for a variety of coverage areas concerning both single family homes and condominiums. Auto insurance services are also available.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

40950 Woodward Ave Ste 340, Bloomfield Hills, MI48304

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5.0 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (10)(2)

Why choose this provider?

Hudson & Muma Insurance Services is an independent insurance agency located in Bloomfield Hills that has served the Detroit, Michigan, area since 1958. Licensed in 31 other states, the agency offers homeowners, condo, renters, boat, and yacht coverage from trusted insurance carriers. Online claim-filing and payments are available as well as other personal and commercial coverage options. With a philosophy rooted in God, country, and family, Hudson & Muma believes that insurance agents should have honesty, sincerity, and integrity.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

Expertise.com Rating

Review Sources

Google
4.8 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (11)(26)
Yelp
5.0 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (12)(22)

Why choose this provider?

Located in Waterford, Michigan, The Huttenlocher Group has provided home insurance solutions since 1918. As an independent agency, Huttenlocher determines clients' needs and creates comprehensive packages with competitive pricing from its select group of underwriters. Home insurance coverage includes protection of the structure itself as well as the items in the home and accidents that occur on the property. Huttenlocher offers other personal insurance services including auto and renters policies.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

1904 11 Mile Rd, Berkley, MI48072

Expertise.com Rating

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4.9 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (13)(14)
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5.0 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (14)(2)

Why choose this provider?

The Eagle Rock Insurance Agency is an independent home insurance specialist based in Berkley, Michigan. The agency has supplied home insurance solutions in the Detroit metro area since 1997, providing other insurance protection for motorcyclists, drivers, and businesses. As an independent agent, it scours the policies of its partners to find coverage that meets their client's needs and budget. Home insurance policies typically cover structural damage, including garages and sheds, personal property theft, and liability if a visitor is injured.

  • Renter's Insurance
  • Condos
  • Flood

25 N Washington St, Oxford, MI48371

Expertise.com Rating

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4.9 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (15)(43)
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4.9 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (16)(19)

Why choose this provider?

Curtis Insurance is an independent agency founded in Oxford, Michigan, over 65 years ago. It specializes in providing home insurance in the Detroit metro area. The agency works with many companies to offer solutions for homeowners and renters. Policies cover all home types and sizes, including condos, mobile, rental, and seasonal. The agency also sells auto, life, health, and pet insurance. It can provide policies for businesses and umbrella insurance to cover assets.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

3028 S Wayne Rd, Wayne, MI48184

Expertise.com Rating

Review Sources

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4.4 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (17)(11)

Why choose this provider?

Professional Insurance Associates is a Detroit, Michigan-based independent insurance agency which has been active since 1943 and serves clients throughout the entire metro area. It provides home insurance services with policies tailored to a variety of property types including new construction homes, historic properties, modular homes, and condominiums. This full-service agency is adamant about its umbrella policies, which combine home insurance policies with auto and life insurance coverage for lower rates and additional benefits.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

1535 Sixth Street, Detroit, MI48226

Expertise.com Rating

Review Sources

Google
2.3 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (18)(3)

Why choose this provider?

Diebold Insurance Agency is a family-owned independent agency based in Detroit. It offers homeowners insurance policies that financially protect their property and attached assets against covered disasters. The policies can provide compensation for the cost of rebuilding the home and replacing some lost possessions, as well as living expenses if the client needs to temporarily reside in another accommodation. Liability protection is also covered in cases of injury or property damage to other people caused by the policyholder's household. Diebold Insurance Agency also offers condo insurance.

  • Multiple Policy Types

7227 N Genesee Rd, Genesee, MI48437

Expertise.com Rating

Review Sources

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4.3 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (19)(38)

Why choose this provider?

K.A. Sutton Insurance Agency is an independent insurance agency located in Genesee, Michigan, and serving renters and homeowners in the Detroit, Michigan metro area. The agency offers homeowners insurance policies that cover the physical structure and contents of homes and other structures on a property, as well as additional expenses incurred due to a covered loss. K.A. Sutton Insurance Agency also offers renters, condo, auto, farm, life, and business insurance.

  • Condos
  • Multiple Carriers
  • Personal Property Insurance

19203 Grand River Avenue, Detroit, MI48223

Expertise.com Rating

Review Sources

Google
4.2 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (20)(28)

Why choose this provider?

John Cash operates a State Farm-affiliated insurance agency located in Detroit. He safeguards families in the community through a comprehensive homeowners' insurance policy that may cover damages from lightning, wind, fire, theft, and vandalism. It can also protect personal items and valuables such as jewelry and instruments. The firm helps policyholders maximize their savings through home and auto policy bundles. Cash and his team prioritize treating their customers like a family.

  • Multiple Policy Types

2200 Hunt St Suite 471, Detroit, MI48207

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5.0 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (21)(10)
Google
5.0 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (22)(2)

Why choose this provider?

EMI Agency is a risk management specialist that has been serving Detroit and nearby locations for more than a decade. It offers various products, including home, car, life, and health insurance. Its team also furnishes plans for businesses and provides financial and retirement planning services. EMI Agency also serves individuals and businesses in Maryland, Kansas, Missouri, and North Carolina. Its managing broker, Ernie McClellan, has more than 20 years of experience in the insurance industry.

  • Multiple Policy Types

14227 Greenfield Road, Detroit, MI48227
Website

License: 0128695

Expertise.com Rating

Why choose this provider?

Alpha One Agency helps Detroit area residents ensure financial security for their properties in the event of a disaster. The agency guides homeowners in securing coverage for their assets—including dwellings and other structures such as garages—that are vulnerable to fire, vandalism, wind, and hail damage. Alpha One Agency also helps obtain coverage for personal belongings such as clothing and furniture, as well as liabilities and specialty items. The agency additionally offers coverage assistance for mobile homes.

  • Homeowners
  • Flood
  • Condos

48801 Romeo Plank Rd Ste 105, Macomb, MI48044

Expertise.com Rating

Review Sources

Google
4.9 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (23)(76)
Yelp
4.5 12 Best Detroit, MI Homeowners Insurance Agencies | Expertise.com (24)(7)

Why choose this provider?

Brian Lane Agency/Farm Bureau Insurance is an independent home insurance agency that has been serving the residents of Detroit, Michigan, since 1998. The company represents insurance carriers to offer policies for covering homes and condos that are customized to clients' needs. These plans cover damage to the home due to fire; storms; and floods, cost of temporary relocation, and bodily harm liability. The agency also sells auto, health, and life insurance.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Phil Klein Insurance Group7125 Orchard Lake Rd Ste 302, West Bloomfield, MI48322

View More

Hudson & Muma, Inc.40950 Woodward Ave Ste 340, Bloomfield Hills, MI48304

View More

The Huttenlocher Group1007 W Huron St, Waterford, MI48328

View More

Eagle Rock Insurance Agency1904 11 Mile Rd, Berkley, MI48072

View More

Curtis Insurance25 N Washington St, Oxford, MI48371

View More

Professional Insurance Associates3028 S Wayne Rd, Wayne, MI48184

View More

Diebold Insurance Agency1535 Sixth Street, Detroit, MI48226

View More

K.A. Sutton Insurance Agency7227 N Genesee Rd, Genesee, MI48437

View More

John Cash - State Farm Insurance Agent19203 Grand River Avenue, Detroit, MI48223

View More

EMI Agency2200 Hunt St Suite 471, Detroit, MI48207

View More

Alpha One Agency14227 Greenfield Road, Detroit, MI48227

View More

Brian Lane Agency/Farm Bureau Insurance48801 Romeo Plank Rd Ste 105, Macomb, MI48044

View More

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FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

  • Does your homeowners' insurance cover renovations in Detroit?

    Standard homeowners insurance does not provide sufficient coverage for Detroit properties undergoing renovation, and you may need to obtain additional coverage, such as dwellings under construction insurance. This endorsem*nt covers potential risks associated with the construction of your house, such as structural damage, supply theft, soft costs, and premises liabilities. When planning a home renovation, you should review your policy both before and after the project to adjust your protection coverage as needed.

  • When should you update your Detroit homeowners' insurance?

    After making significant changes to your home, update your Detroit homeowners'insurance policy to ensure sufficient coverage for the increased value. Renovations, for example, increase the value of your home and may lower your premiums, whereas a new pet may raise your premiums to cover liability if your pet harms others. Failure to update your policy may result in you being underinsured and having to pay for costly repairs out of pocket.

  • What is not covered in homeowners' insurance in Detroit?

    Earth movement and flood damage are generally not covered by standard homeowner policies and necessitate specialized insurance in Detroit. Destruction caused by pest infestations, mold growth, sewer overflows or backups, wear and tear, and intentional loss are all examples of intentional loss. Acts of war and nuclear disasters are also excluded from coverage.

  • How is homeowners' insurance paid in Detroit?

    The majority of Detroit homeowners pay their home insurance through an escrow account. Purchasers' earnest money deposits at real estate closings are frequently held in escrow until the time comes to surrender yearly premium payments in small installments. Without an escrow account, the homebuyer must pay the policy in full for the first year and the remaining balance through the transaction methods supervised by their insurers.

  • What are some homeowners insurance discounts you may eligible for in Detroit?

    Policy-related discounts are available from Detroit homeowners insurance providers, such as when the applicant paid the policy in full, has multiple premiums with the same agency, or has paid higher deductibles. The house itself has qualities that can be used to obtain discounts, such as whether it was purchased for the first time, if it has been owned for less than 10years, or if it is equipped with protective devices. Other discounts are homeowner profile-based, and clients 55 and older, non-smokers, with a claims-free history, and a good credit rating may qualify.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

  • Do new buyers need owner\'s title insurance on a new home?

    There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

  • Do owner builders need home warranty insurance?

    In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

  • Are dogs deaths covered in homeowners insurance?

    Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

  • Are earthquakes covered in standard homeowners insurance policies?

    Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

  • Are homeowners insurance and car insurance deductible?

    Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

  • Are homeowners insurance payouts taxable income?

    If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

  • How frequent should one change auto or homeowners insurance to another provider?

    If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

  • What should a homeowners insurance include/cover?

    A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

  • How much homeowners insurance should someone carry?

    How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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