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2024

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Best Homeowners Insurance Agencies in Ann Arbor, MI

Our Recommended Top 13

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Ann Arbor 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.

77Reviewed

51Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2072 S. Custer Rd., Ann Arbor, MI 48161

Expertise.com Rating

Why choose this provider?

Located in Ann Arbor, the Meemic Insurance Company was founded by teachers to help others in the educational community. It's since grown to offer additional products, such as home insurance. The agency can offer independent advice and customize home insurance products for educators that will provide them with help if the worst happens, such as a fire. The agents can also append additional coverage to meet other needs, such as broken sump pumps and stolen high-value personal items.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

2755 Carpenter Road, Ann Arbor, MI 48108

Expertise.com Rating

Review Sources

Google
4.9 (66)
Facebook
3.7 (3)
Yelp
5.0 (1)

Why choose this provider?

The insurance agents at Ann Arbor Insurance Centre have provided homeowners, renters, and businesses with dependable insurance services and products in Ann Arbor for over 30 years. It has various home insurance options to protect a client's home and personal belongings in the event of losses due to a disaster. For apartment, condo, and home renters, the agency offers rental insurance to cover their belongings against fire, theft, and vandalism. Ann Arbor Insurance also insures autos, boats, and boats.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

1201 Briarwood Circle, Ann Arbor, MI 48108

Expertise.com Rating

Review Sources

Google
3.9 (16)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Kapnick Insurance Group offers a wide array of insurance products to individuals and families in Ann Arbor. One of the company's insurance solutions is homeowners' insurance, which covers compensation for losses and damages to the homes and belongings of homeowners in case of problems such as natural disasters. The company provides coverage for flood, guests' injuries, loss of use, off-premises theft, and fire. It has also policies for secondary homes to help protect homeowners from additional liabilities.

  • Renter's Insurance
  • Multiple Policy Types

2500 Packard Street, Ann Arbor, MI 48104

Expertise.com Rating

Review Sources

Facebook
5.0 (34)
Google
4.5 (12)
Yelp
1.0 (1)

Why choose this provider?

Ryan McCreight is a State Farm insurance agent who has extensive knowledge of the agency's wide range of products, such as home insurance. He can help homeowners analyze their coverage requirements, consider coverage they may not have considered, such as extra coverage for high-value items, and append products into one policy that may allow for discounts to premiums. These can include life, health, and auto insurance. The agent also specializes in business insurance.

  • Multiple Policy Types

2533 Spring Arbor Road, Jackson, MI 49204

Expertise.com Rating

Review Sources

Facebook
4.5 (31)
Google
5.0 (20)

Why choose this provider?

The Craft Agency Inc. can trace its history back to 1921. The independent insurance agency specializes in a wide range of products, including home insurance. Its licensed agents' services include analyzing the unique needs of each client, providing unbiased advice on the pros and cons of each product and its carrier, and tailoring one or more products to build a unique policy. The agents also specialize in life, health, and business insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Ann Arbor, MI

Expertise.com Rating

Review Sources

Google
4.9 (33)

Why choose this provider?

Gwen Mitchell is a State Farm insurance agent in Ann Arbor who has more than a quarter of a century of experience helping her personal and business clients get the coverage they need within their budgets. Ms. Mitchell can tailor State Farm home insurance products for homeowners, discuss additional coverage, such as the costs of temporarily relocating after a major disaster, and append additional products, such as auto, life, and health insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

955 W Eisenhower Cir g, Ann Arbor, MI 48103

Expertise.com Rating

Review Sources

Google
4.3 (12)
Facebook
4.3 (3)
Yelp
3.0 (2)

Why choose this provider?

Kemner Iott Benz is an independent insurance agency serving the Ann Arbor area. Its team of insurance professionals helps secure their clients' single-family homes, multi-family homes, condominiums, mobile and modular homes, rental properties, and personal belongings. They work with different insurance carriers, allowing them to offer a wide range of options to provide the best amount of coverage for their clients. They also offer annuities, life insurance, disability benefits, Medicare supplement, and umbrella policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

2723 South State Street, Ann Arbor, MI 48104

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Preferred Insurance Network discusses insurance policy options to residents and business property owners in Ann Arbor and the surrounding communities. Its agents advise clients on the various factors in determining the homeowners' insurance policy cost. They also come up with a customized policy that includes the coverage clients need at a rate that fits their budget. The homeowners' insurance policy provides financial protection for customers' homes and their contents in the unfortunate event of a disaster.

  • Condos
  • Multiple Policy Types
  • Flood

25800 Northwestern Highway, Southfield, MI 48075

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Insurance One Agency offers homeowners coverage for clients in Ann Arbor. The company meets with different clients, from landlords to tenants, to discuss their preferences and plan options. Its homeowners' insurance policy covers property damage caused by fires, storms, or theft of belongings. It also includes the medical fees of those injured within the property. The company is affiliated with tenured businesses like Capital Title, Johnstone & Johnstone, and Reinhart. It also offers insurance plans for commercial clients and their offices.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Ann Arbor, MI

Expertise.com Rating

Why choose this provider?

Stapleton Insurance Group is a family-owned and operated insurance agency based in Ann Arbor that was founded in 1927. Its areas of expertise include forming home insurance policies for its clients' primary, secondary, and investment properties. Its agents can tailor policies to cover common needs, such as damage repair costs, as well as less common needs, such as replacing high-value personal items. Additionally, the agency specializes in life, health, liability, and auto insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

15510 South Telegraph Road, Monroe, MI 48161

Expertise.com Rating

Review Sources

Google
4.9 (41)
Facebook
5.0 (2)

Why choose this provider?

The Cuccia Insurance Agency was founded in 1999 to offer personal and business clients in the Ann Arbor metro area with policies tailored to their needs and within their budgets. One of the agency's most common services is home insurance, where its agents can analyze the needs of each client and design a policy around those needs. Additionally, they can include extra coverage for higher risks, such as liability and replacing high-value personal items.

  • Renter's Insurance
  • Multiple Policy Types

3074 Baker Road, Dexter, MI 48130

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Palmer Insurance is a family-owned and operated agency with more than 50 years of experience assisting personal and business clients throughout Michigan. It has significant experience in home insurance, helping its clients get the coverage they need by blending products from one or more carriers to create a policy tailored for them. Policies typically cover the costs of structural damage, loss of personal items, and protection from liability claims. The agency also specializes in life and auto insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

510 West Grand River Road, Brighton, MI 48116

Expertise.com Rating

Why choose this provider?

Shawn Pipoly is a Farm Bureau insurance agent who has been providing clients throughout Michigan since 1988 with a range of products that can protect them from various risks. Much of his experience is in home insurance, where he can provide his clients with the coverage they're looking for and discuss coverage they may not have considered, such as increased coverage for high-value personal items. He can also discuss additional products, including auto, health, and life.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Meemic Insurance Company
2072 S. Custer Rd., Ann Arbor, MI 48161
Ann Arbor Insurance Centre
2755 Carpenter Road, Ann Arbor, MI 48108
Kapnick Insurance Group
1201 Briarwood Circle, Ann Arbor, MI 48108
Ryan McCreight - State Farm Insurance Agent
2500 Packard Street, Ann Arbor, MI 48104
The Craft Agency, Inc.
2533 Spring Arbor Road, Jackson, MI 49204
Gwen Mitchell - State Farm Insurance Agent
Ann Arbor, MI
Kemner Iott Benz
955 W Eisenhower Cir g, Ann Arbor, MI 48103
Preferred Insurance Network
2723 South State Street, Ann Arbor, MI 48104
Insurance One Agency
25800 Northwestern Highway, Southfield, MI 48075
Stapleton Insurance Group
Ann Arbor, MI
Cuccia Insurance Agency
15510 South Telegraph Road, Monroe, MI 48161
Palmer Insurance
3074 Baker Road, Dexter, MI 48130
Shawn Pipoly - Farm Bureau Insurance Agent
510 West Grand River Road, Brighton, MI 48116

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.
  • How should an Ann Arbor homeowner determine the right level of insurance coverage for their property?

    An Ann Arbor homeowner should tailor their home insurance to both their property and financial situation. Some opt for full dwelling coverage to ensure complete rebuilding after significant damage. However, those with features like pools, swing sets, or frequent visitors might contemplate increasing their liability coverage. Consulting with an insurance agent can provide clarity on suitable options, including considering an additional personal umbrella policy for enhanced liability protection.

  • Are there any other options for an Ann Arbor resident struggling to obtain homeowners insurance?

    In Ann Arbor, residents unable to secure standard home or renters insurance should consider approaching their agent about the Michigan Basic Property Insurance Association (MBPIA). Established by state lawmakers, the MBPIA offers property insurance to those struggling to find coverage in the conventional market. Any agent with a license can guide residents in obtaining insurance through this association.

  • Is water and sewer backup covered under your homeowner's insurance in Ann Arbor?

    Residents in Ann Arbor should verify their homeowners insurance, as it often doesn't include water and sewer backup coverage. Especially crucial for homes with finished basements, this coverage safeguards against sewer backups, sump overflows, and pump breakdowns. Coverage limits vary and some insurers set specific limits, while others base them on a percentage of dwelling coverage. If unsatisfied with the offered protection, considering a different insurance provider is advisable.

  • How does high-value homeowners insurance differ from traditional policies for residents in Ann Arbor with significant assets?

    In Ann Arbor, high-value homeowners insurance offers more extensive protection than standard policies. While both cover standard risks, high-value insurance ensures home reconstruction to its original state or without a capped value following major damage. Traditional policies may limit coverage for items like art, jewelry, and furs. Instead of adding separate endorsements, high-value insurance comprehensively covers these assets, streamlining protection.

  • What flood insurance options are available for Ann Arbor residents, particularly those living outside high-risk flood zones?

    Ann Arbor residents have diverse flood insurance choices. Homeowners can obtain structure and belongings coverage separately, with individual deductibles for each. Structures have coverage up to $250,000, while belongings can be insured to $100,000. Those outside high-risk areas might qualify for discounted rates. Furthermore, the National Flood Insurance Program's Preferred Risk Policy (PRP) amalgamates structure and belongings coverage for those outside high-risk zones, yet maintains separate deductibles.

  • 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.

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