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2024

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Best Homeowners Insurance Agencies in Flint, MI

Our Recommended Top 16

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Flint 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.

71Reviewed

49Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8469 South Saginaw Street, Grand Blanc, MI 48439

Expertise.com Rating

Review Sources

Google
4.9 (54)
Facebook
5.0 (23)

Why choose this provider?

Michigan Insurance and Financial Services is a fully independent insurance agency that serves clients throughout the Flint metro area. Its services include finding a choice of home insurance products for clients and talking them through the levels of coverage. Its agents can tailor policies so that clients only pay for the coverage they need. This can be to repairs to properties after a disaster and include the repair and replacement costs of home contents.

  • Personal Property Insurance
  • Multiple Policy Types

G-6235 Corunna Road, Flint, MI 48532

Expertise.com Rating

Review Sources

Facebook
4.7 (21)
Google
4.3 (16)

Why choose this provider?

Blackmore Rowe Insurance is a Michigan-based insurance agency offering insurance products and services to residents of Flint. It specializes in extensive homeowners' insurance plans with options for homeowners' liability coverage, dwelling replacement, flood or earthquake insurance, personal property and scheduled personal property insurance, in-home business insurance, and builders' risk coverage. It also offers home and auto insurance bundle policies. Blackmore Rowe Insurance is an active sponsor of Whaley's Children Center, Toys for Tots, and Old Newsboys.

  • Multiple Carriers
  • Multiple Policy Types

4508 Beecher Road, Flint Township, MI 48532

Expertise.com Rating

Review Sources

Facebook
4.6 (10)
Google
4.8 (5)

Why choose this provider?

Eve Insurance has been providing insurance options to residents and business property owners in Flint and the surrounding areas since 1973. The homeowners insurance policies protect clients from financial losses due to damages to their properties and their contents caused by disasters such as fires, theft, and equipment malfunctions. The coverages include additional living expenses or loss of use coverage, medical expenses, personal liability, personal injury, and umbrella insurance. Additional coverages for secondary homes or high-value items, such as cars or jewelry, are also available.

  • Multiple Policy Types

1456 East Pierson Road, Flushing, MI 48433

Expertise.com Rating

Review Sources

Google
4.9 (175)
Facebook
4.9 (66)

Why choose this provider?

Bois Insurance can trace its history back to 1919. The independent agency specializes in helping its clients find insurance policies within their budgets that give them the coverage they need, such as home insurance that pays out for structural damage and covers relocation costs while the home gets repaired. Additionally, its agents can discuss other coverage clients might not have considered, such as protection against liability claims from visitors. Bois Insurance also serves business customers.

  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance

3526 Miller Road, Flint, MI 48507

Expertise.com Rating

Review Sources

Google
4.6 (124)
Facebook
4.9 (100)
Yelp
1.0 (1)

Why choose this provider?

Security First Insurance Agency caters to the insurance needs of homeowners and business property owners in Flint and the surrounding areas. The company offers homeowners' insurance policies to clients with private residences, such as houses and condominium units, and to renters. The insurance policy includes dwelling coverage, protection of personal items and valuables, personal umbrella liability, and coverages for recreational vehicles such as golf carts, snowmobiles, and jet skis. The company has been in the insurance industry since 1924.

  • Multiple Policy Types

3033 North Linden Road, Flint, MI 48504

Expertise.com Rating

Review Sources

Google
4.3 (18)
Yelp
5.0 (1)

Why choose this provider?

Irving Insurance Agency has been providing insurance options to residents and business property owners in Flint and the surrounding areas since 1963. Its homeowners' insurance policies include protection of the residence or dwelling and coverage of detached structures such as garages, workshops, sheds, fences, and dog kennels. The policy also covers personal belongings protection, loss of use or additional expenses, personal liability, and medical expenses. Clients can also opt for additional coverage for high-value items such as jewelry.

  • Personal Property Insurance
  • Multiple Policy Types

3835 Davison Road, Flint, MI 48506

Expertise.com Rating

Review Sources

Google
4.4 (65)
Facebook
4.8 (10)
Yelp
5.0 (2)

Why choose this provider?

Al Bourdeau Insurance Agency has been representing multiple insurance carriers to provide insurance solutions in Flint for more than eight decades. Its home insurance products apply to renters, condominiums, mobile homes, and homeowners. Homeowners receive financial compensation for losses or damages due to disasters and obtain financial protection in liability lawsuits, including claims from play injuries, slip and fall, and dog bites. Al Bourdeau Insurance Agency maintains office locations in Waterford, Williamston, Port Huron, and East Lansing.

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

7499 Cherry Street, New Lothrop, MI 48460

Expertise.com Rating

Review Sources

Google
3.6 (9)
Facebook
5.0 (3)

Why choose this provider?

New Lothrop Insurance is a locally owned insurance agency that's been serving personal and business customers in the Flint metro area for more than three decades. The independent agency has access to a wide choice of home insurance policies offered by leading insurers, enabling its agents to give customers a choice of policies with various levels of coverage and premiums. The agency also specializes in auto, life, health, commercial, and farm insurance.

  • Multiple Policy Types

4918 Clio Road, Flint, MI 48504

Expertise.com Rating

Review Sources

Google
4.0 (31)

Why choose this provider?

Premier Insurance Agency has been providing homeowners' insurance to clients in Flint and nearby counties of Michigan for over a decade. Its coverage helps homeowners who have lost items to theft or suffered natural disasters like hail and fire. The company covers repair and replacement expenses, along with injuries to guests within the premises. It covers different types of houses including condos and motor homes. The company believes in building long-term relationships with its policyholders.

  • Multiple Policy Types
  • Multiple Carriers
  • Flood

503 Saginaw Street, Flint, MI 48502

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Potter & Roose Insurance is a Flint-based agency with many years of experience helping personal customers find the best home insurance policies for their needs. The agents' services include fully discussing customers' coverage needs, finding policies from multiple carriers that satisfy those needs without incurring costs for unnecessary coverage, and explaining each policy fully. Additionally, they can make customers aware of add-ons that may be suitable, such as coverage for valuable items.

  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

G4100 S Saginaw Street, Burton, MI 48529

Expertise.com Rating

Review Sources

Google
4.4 (34)

Why choose this provider?

Thomas Spence Agency Inc. is a family-owned and operated business that serves clients within the Flint metro area from its two locations. For more than two decades the agency's advisors have been helping clients acquire home insurance policies that give them the coverage they need, such as the repair costs of storm damage and the replacement costs of theft. The agency can also help clients find auto and fire insurance.

  • Condos
  • Fire

8313 Holly Road, Grand Blanc, MI 48439

Expertise.com Rating

Review Sources

Google
5.0 (43)
Facebook
4.2 (10)

Why choose this provider?

Francis Family Insurance Agency provides insurance options to residents and business property owners in Flint and the surrounding areas. Its homeowners insurance policies protect clients financially in the cases of damages to private residences and personal belongings due to disasters such as fires. The company caters to both owners and renters and covers houses and apartments. Its policies can also include personal liability coverage, which provides protection against legal responsibility due to someone being injured at a client's home.

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

5454 Gateway Center, Flint, MI 48507

Expertise.com Rating

Review Sources

Google
4.3 (7)

Why choose this provider?

The McCredie Insurance Agency is a family-owned company that serves clients in Flint, Michigan. The company provides protection for fire and water damage to the property including frozen plumbing and fireplace issues. It caters to different properties like condos, mobile homes, and motor homes. It also covers medical fees for tenants or guests who get injured. The company has operated since 1919 and believes in consistent and professional conduct. It also covers aviation needs like flight schools and clubs.

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

2433 East Hill Road, Grand Blanc, MI 48439

Expertise.com Rating

Review Sources

Google
4.3 (12)

Why choose this provider?

Wagner Insurance Agency covers clients in Flint. The company provides insurance plans to help homeowners prepare for any damages to the structure. It also covers the client's personal belongings like firearms and jewelry. Its agents provide additional coverage for those worried about replacing or reimbursing loss of property. The company started back in 1925 and has helped customers with automobiles, businesses, and life insurance. Each member of the staff has handled insurance concerns for over two decades.

  • Multiple Carriers
  • Multiple Policy Types

4386 Lennon Road, Flint, MI 48507

Expertise.com Rating

Review Sources

Google
4.8 (33)
Facebook
5.0 (1)

Why choose this provider?

Mark Owen Agency offers homeowners' insurance and other insurance products to Flint through Meemic Insurance, a company that has been serving the academic community for over 60 years. The agency provides home insurance with financial protection and customized coverage that addresses its clients' individual needs. Its home insurance policy has added benefits exclusive to teachers and school staff. Agency principal Mark Owen has been in the insurance industry since 1996 and served as a teacher for over 25 years.

  • Multiple Policy Types

11436 North Linden Road, Clio, MI 48420

Expertise.com Rating

Review Sources

Google
4.8 (82)
Facebook
4.7 (34)

Why choose this provider?

Since 1970, the agents at Eaton Insurance Services have been providing independent advice and services to clients looking for home insurance policies that provide the coverage they need. This can include repairs to storm-damaged properties, repair of items accidentally damaged, and replacement of stolen goods. The agency partners with some of the industry's biggest players, including The Hartford and Safeco. It also helps clients find the right life, health, and auto insurance for their needs.

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

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Michigan Insurance and Financial Services - Grand Blanc
8469 South Saginaw Street, Grand Blanc, MI 48439
Blackmore Rowe Insurance
G-6235 Corunna Road, Flint, MI 48532
Eve Insurance
4508 Beecher Road, Flint Township, MI 48532
Bois Insurance
1456 East Pierson Road, Flushing, MI 48433
Security First Insurance Agency
3526 Miller Road, Flint, MI 48507
Irving Insurance Agency
3033 North Linden Road, Flint, MI 48504
Al Bourdeau Insurance Agency
3835 Davison Road, Flint, MI 48506
New Lothrop Insurance
7499 Cherry Street, New Lothrop, MI 48460
Premier Insurance Agency
4918 Clio Road, Flint, MI 48504
Potter & Roose Insurance
503 Saginaw Street, Flint, MI 48502
Thomas Spence Agency, Inc
G4100 S Saginaw Street, Burton, MI 48529
Francis Family Insurance Agency
8313 Holly Road, Grand Blanc, MI 48439
McCredie Insurance Agency
5454 Gateway Center, Flint, MI 48507
Wagner Insurance Agency
2433 East Hill Road, Grand Blanc, MI 48439
Mark Owen Agency - Meemic Insurance Agent
4386 Lennon Road, Flint, MI 48507
Eaton Insurance Services
11436 North Linden Road, Clio, MI 48420

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.
  • Where can you file a complaint for an unresolved homeowners' insurance claim in Flint?

    In Flint, you can file a complaint against your insurance company to the Michigan Department of Insurance and Financial Services. The Office of Consumer Services can help you investigate your homeowners' insurance claim, provide your options, and try to resolve the issue. However, the department may advise you to address the complaint with your insurer first.

  • What is the average homeowners' insurance rate in Flint?

    Individuals and families who want to obtain homeowners' insurance in Flint may pay $211 a month or $2,365 a year. This is way below the national average of $2,777 a year. Policyholders can still reduce their insurance rates through loyalty discounts. If their homes have smoke detectors, deadbolt locks, and sprinkler systems, they can have their insurance rates reduced.

  • If your dog bites your friend, can your homeowners' insurance in Flint cover the person's injuries?

    Yes. Your homeowners' insurance in Flint can cover your friend's injuries due to a dog attack. You can use your policy's liability protection coverage to pay for your friend's medical expenses. You must call and inform your insurance agent and provide the information regarding the incident, including the victim's name and phone number.

  • Can property owners acquire dwelling insurance for their second homes in Flint?

    Yes. Property owners in Flint can acquire dwelling insurance for their apartments and condominiums. The dwelling insurance rate depends on the type of the second home. Most of the time, apartments and condominiums have master insurance plans, which include the amount of the property a policyholder owns. Additionally, home insurance protects individuals financially if their second property is damaged.

  • Are residents in Flint required to obtain homeowners' insurance?

    No. Individuals and families in Flint are not required to have homeowners' insurance. However, if they want to apply for a mortgage loan to purchase a house, their lenders will require them to have homeowners' insurance. They need policy proof before they fund applicants' home loans. Aside from home loan requirements, individuals are encouraged to obtain this type of insurance to protect them from monetary losses in the event of theft or natural disasters.

  • 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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