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2024

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Best Homeowners Insurance Agencies in Dearborn, MI

Our Recommended Top 10

We did the research for you!

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

65Reviewed

43Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

10619 West Warren Avenue, Dearborn, MI 48126
WebsiteLicense: 9565491

Expertise.com Rating

Why choose this provider?

The Mustapha Family Agency is a homeowners insurance agency serving clients in Dearborn. Its team lives where it works, making the agency a local insurance expert. The agency offers insurance coverage against damage from fire, flood, theft, and hailstorms, creating personalized home insurance plans by getting to know the clients, their family, and their needs. The agency also creates an inventory of items in the client's home to ensure the proper coverage of their belongings.

  • Renter's Insurance
  • Condos
  • Flood

24623 Ford Road, Dearborn, MI 48128

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Marlin Insurance Agency is located in Dearborn. Homeowners seeking to protect their homes can expect a wide range of options to choose from, whether they need a basic policy or a comprehensive one. The company offers coverage for the dwelling, personal property, loss of use, liability, and medical payments. Depending on the client's needs, it also provides coverage for theft and natural disasters. It also offers landlord insurance, covering accidents, property repairs, and natural disasters.

  • Multiple Policy Types

24626 Ford Road, Dearborn Heights, MI 48127
WebsiteLicense: 18672758

Expertise.com Rating

Review Sources

Google
5.0 (77)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Nahid Hammad Insurance Agency-GlobalGreen Insurance is a Dearborn-based agency that keeps families and their homes protected with the right coverages. It offers homeowners' insurance policies that pay for damages caused to residential properties by covered events. The independent agency shops for quotes from more than 40 insurance carriers in order to allow clients to compare rates. It treats customers as individuals and serves them with integrity and professionalism. Other products of the company are personal auto and commercial insurance.

  • Homeowners

12850 Eureka Road, Southgate, MI 48195

Expertise.com Rating

Review Sources

Google
4.6 (8)
Facebook
5.0 (4)

Why choose this provider?

Grendel-Wittbold Insurance is an independent insurance agency that's been helping clients find the best policies for their needs since 1952. The company's agents have years of experience assisting homeowners looking for policies that protect their properties and assets while also being affordable. Its agents have provided policies that have covered clients whose homes were destroyed by fire, who were sued by guests injured while in the home, and those that were burgled.

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

14319 Michigan Avenue, Dearborn, MI 48126

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (2)

Why choose this provider?

Najjar Insurance Agency is located in Dearborn, Michigan. The company helps homeowners create an insurance plan that fits their properties and its features. It examines important factors, like the addition of a fireplace, the material of the walls, and the year the home was built. The company also checks for detached structures and previous claims filed. It helps clients review and change existing policies online 24/7. Najjar Insurance Agency also provides for businesses, landlords, automobile, and liability insurance.

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

14405 Northline Road, Southgate, MI 48195
WebsiteLicense: 17233946

Expertise.com Rating

Review Sources

Google
4.0 (43)

Why choose this provider?

Gary K. Smith Agency is an insurance agency that serves Dearborn and the surrounding areas. It offers homeowners insurance policies, including rental property and dwelling fire insurance. Auto and motorcycle insurance policies are also available. In addition, the company is partnered with various carriers across the state, allowing clients to choose a plan that best suits their needs. Gary K. Smith Agency also assists commercial clients looking to get coverage for general liability, workers' compensation, commercial auto, and liquor liability policies.

  • Life Insurance

7011 Orchard Lake Road, West Bloomfield Township, MI 48322

Expertise.com Rating

Review Sources

Google
4.0 (2)

Why choose this provider?

Located in West Bloomfield, Premier Insurance Agency is an insurance firm serving clients in the Dearborn area. It has been providing homeowners' insurance solutions to Michanganders for over 15 years. Clients may obtain personalized home insurance quotes through the agency website by submitting the information sheet with their basic information and dwelling description. One of its expert agents will then get in touch with the client and assist them in finding their ideal coverage. Premier Insurance Agency maintains 35 offices throughout the state of Michigan.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

22691 Michigan Avenue, Dearborn, MI 48124

Expertise.com Rating

Review Sources

Google
4.1 (32)
Facebook
4.8 (24)
Yelp
1.0 (1)

Why choose this provider?

The Dearborn Agency offers insurance products for individuals, families, and businesses. Its home insurance plans apply to homeowners, condominium owners, and renters, providing comprehensive solutions to diverse client needs. Its insurance specialists help homeowners protect their investments through coverage options for property or home damage or loss due to random acts or natural disasters. They aid clients in assessing potential risks and determining whether additional coverage is applicable, including identity theft and water and flood damage.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

812 South Main Street, Royal Oak, MI 48067

Expertise.com Rating

Review Sources

Google
4.1 (63)

Why choose this provider?

L.A. Insurance is an insurance agency serving clients in the Dearborn metro. The company offers comprehensive insurance coverage for various needs, including auto, health, and home. It offers clients financial protection in the form of its homeowners' insurance policies that cover expenses for common damages, natural disasters, and losses. The policies also include liability coverage for accidents within the home, covering injuries caused by home defects, slips and falls, and even pets.

  • Multiple Policy Types

20943 Mack Avenue, Grosse Pointe Woods, MI 48236

Expertise.com Rating

Review Sources

Google
4.8 (82)
Facebook
4.3 (6)
Yelp
5.0 (1)

Why choose this provider?

Janet Coates is a State Farm insurance agent who serves clients throughout The Pointes and the surrounding communities. Ms. Coates can help homeowners find a State Farm policy that covers their needs, ensuring their homes and personal valuables are covered should the worst happen. The agent can also offer policies that protect the homeowner's home contents while they are in storage. Additionally, she can offer insurance policies to drivers, pet owners, and businesses.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
The Mustapha Family Agency
10619 West Warren Avenue, Dearborn, MI 48126
Marlin Insurance Agency
24623 Ford Road, Dearborn, MI 48128
Nahid Hammad Insurance Agency-GlobalGreen Insurance
24626 Ford Road, Dearborn Heights, MI 48127
Grendel-Wittbold Insurance
12850 Eureka Road, Southgate, MI 48195
Najjar Insurance Agency
14319 Michigan Avenue, Dearborn, MI 48126
Gary K. Smith Agency
14405 Northline Road, Southgate, MI 48195
Premier Insurance Agency
7011 Orchard Lake Road, West Bloomfield Township, MI 48322
The Dearborn Agency
22691 Michigan Avenue, Dearborn, MI 48124
L.A. Insurance
812 South Main Street, Royal Oak, MI 48067
Janet Coates - State Farm Insurance Agent
20943 Mack Avenue, Grosse Pointe Woods, MI 48236

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 you start looking for homeowner's insurance in Dearborn?

    Look for licensed insurance companies, brokers, and agents in Dearborn on the Department of Insurance and Financial Services (DIFS) website. You can also conduct research on the Internet, but always work with licensed professionals. If you have a problem with an insurance professional, contact DIFS at 877-999-6442 or send an email to DIFScomplaints@michigan.gov.

  • What can you do if you cannot get regular homeowner's insurance in Dearborn?

    Homeowners who are having difficulty getting regular carriers to insure their homes can find policies through The Michigan Basic Property Insurance Association. To qualify, your Dearborn home must meet building code standards and not be used for illegal activities. As part of the application process, the MBPIA will conduct an inspection at no cost to you. If you do not qualify, the MBPIA will notify you in writing as to why and provide instructions on how to become qualified.

  • How can additional replacement cost coverage be beneficial to a homeowner in Dearborn?

    Additional replacement cost coverage provides some assurance that the insurance company will pay the full replacement cost of the home, even if it exceeds the policy limit. This coverage is available to Dearborn residents in addition to certain types of homeowner's insurance. If the repair costs exceed the policy limit, the coverage can also be used.

  • Is it expensive to buy homeowner's insurance in Dearborn?

    Dearborn's homeowner's insurance costs $1,700, which is less than the national average of $1,820. However, the actual price would be determined by several factors, including the crime rate and risk of natural disasters in the area, as well as the home's square footage and construction type. Insurance rates in Dearborn are higher on streets like Littlefield Blvd., Federal Dr., and Cromwell St. than on Heather Dr., Whitmore St., and Marvin Ave.

  • Why should you consider insuring your home in Dearborn up to its replacement value?

    Insuring your Dearborn home up to its replacement value ensures that you will have the financial means to rebuild it beyond the policy's limits. This can help you avoid a significant loss of savings if you have to pay some of your expenses out of pocket. It can also be useful if you want your home's original quality materials, design, or unique features restored.

  • 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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