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2024

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Best Homeowners Insurance Agencies in Lansing, MI

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

79Reviewed

53Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3323 West Saginaw Street, Lansing, MI 48917

Expertise.com Rating

Review Sources

Google
4.7 (112)
Facebook
5.0 (15)

Why choose this provider?

Greg Lemanski - State Farm Insurance Agent provides a full line of insurance products. Located in Lansing, the agency assists clients with home insurance plans. The insurance specialist offers policies that cover homeowners' properties and personal belongings such as furniture, appliances, electronics, musical instruments, and sports equipment. The company also creates home insurance plans that compensate for theft damage, fire damage, or hail damage. Greg Lemanski has been working as an insurance agent for more than 35 years.

  • Multiple Policy Types

431 North Clippert Street, Lansing, MI 48912

Expertise.com Rating

Review Sources

Google
4.6 (15)
Facebook
5.0 (5)
Yelp
2.5 (3)

Why choose this provider?

Based in Lansing, Stark Agency offers professional assistance to homeowners seeking insurance coverage for their properties. The agency helps clients determine suitable insurance policies for losses and damages caused by natural phenomena such as windstorms, floods, and earthquakes. Stark Agency also works to ensure coverage for valuable personal items including jewelry. Established in 1973, the agency serves as a member of the Michigan Association of Insurance Agents. It also provides umbrella liability and auto insurance support.

  • Multiple Carriers
  • Multiple Policy Types

3141 S Pennsylvania Ave, Lansing, MI 48910

Expertise.com Rating

Review Sources

Google
4.6 (15)

Why choose this provider?

Marc Nichols Insurance Agency started in 2012 and provides coverage for homeowners in Lansing. It helps clients pay for repairs to structural damage to the house and its attachments. It also checks and covers their personal items, compensating them in case of loss. The company's agents discuss and advise their clients on what risks to cover, like injuries or losing their property. They can also create personalized plans and offer additional coverage for automobiles and life insurance.

  • Flood
  • Multiple Policy Types
  • Multiple Carriers

529 W Saginaw St, Lansing, MI 48933

Expertise.com Rating

Review Sources

Google
4.8 (38)
Yelp
5.0 (1)

Why choose this provider?

The Rathbun Agency has provided homeowners insurance solutions in Lansing for more than 65 years. The independent agency works with multiple carriers to secure the most comprehensive policies and competitive rates for its clients. The company's licensed agents evaluate individuals' circumstances to deliver policies that cover appropriate value for the dwelling, personal possessions, and liability. The Rathburn Agency also offers protection for condo owners and renters. Its other policies include business, auto, and life.

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

2404 East Michigan Avenue, Lansing, MI 48912

Expertise.com Rating

Review Sources

Google
4.7 (19)
Yelp
1.0 (1)

Why choose this provider?

Stop 1 Insurance is an insurance company that helps homeowners in Lansing. Its agents talk with clients about their home and its features, including its size and the belongings inside, to provide a coverage plan for damages caused by natural disasters like fires and storms. It also covers lender insurance and medical injuries within the property. Stop 1 Insurance also guides clients in filing proper claims. It represents different carriers such as Dairyland Insurance and Titan Insurance.

  • Renter's Insurance
  • Multiple Carriers

1159 Trowbridge Rd, East Lansing, MI 48823

Expertise.com Rating

Review Sources

Google
4.6 (7)

Why choose this provider?

Bubolz Insurance is a homeowners' insurance agency in Lansing. Established in 1983, the professionals at this firm are knowledgeable about the current coverages on the market. They guide clients in obtaining and building insurance policies that protect their homes from unforeseen incidents such as fires and storms. The company is affiliated with reputable carriers such as Hastings Mutual and Progressive Corporation. Aside from offering coverage for homeowners and renters, Bubolz Insurance also handles auto, business, and life insurance plans.

  • Multiple Carriers
  • Multiple Policy Types

4750 Central Park Drive, Meridian charter Township, MI 48864

Expertise.com Rating

Review Sources

Google
4.6 (23)
Facebook
5.0 (14)

Why choose this provider?

Kirk Byrens is a State Farm agent providing homeowners insurance to clients in the Lansing area. Mr. Byrens evaluates individual circumstances to secure the most comprehensive coverage for dwellings and other structures, personal possessions, and liability. State Farm's standard policies offer protection in the event of such disasters as hail or theft. The company also provides separate coverage options for floods and windstorms. Mr. Byrens agency extends insurance plans to condo, manufactured home, and ranch owners as well as renters.

  • Personal Property Insurance
  • Multiple Policy Types

2163 University Park Drive, Okemos, MI 48864

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Lebuda Totte Bray Insurance Agency discusses insurance policy options with residents and business property owners in Lansing and the rest of the region. Its homeowners' insurance policy provides financial protection for the dwelling itself, other structures on the property, personal belongings, and liability to guests injured while on the property. The policy also covers temporary living expenses. As an independent insurance agency, the company can provide a wide range of policies from multiple carriers in the market.

  • Renter's Insurance
  • Multiple Policy Types

2163 University Park Drive, Okemos, MI 48864

Expertise.com Rating

Review Sources

Google
4.6 (42)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Shinberg Insurance is an Acrisure Agency partner that's provided homeowners insurance solutions near Lansing for more than 92 years. The company's licensed agents evaluate individual needs and assist clients with securing appropriate coverage for a variety of situations, including multiple, luxury, and second homes as well as rental properties. They represent multiple carriers to deliver standard and specialized policies, such as those that include swimming pools. Shinberg Insurance also covers condo and mobile home owners.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

4299 Five Oaks Drive, Lansing, MI 48911

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Capital Insurance Services has been serving the Lansing metro and its surrounding areas since 1980. It offers home, business, surety bond, and employer group insurance, and works with the client to review if their coverage still fits their needs. Its homeowners' insurance package covers house repairs, protection for their belongings and for people who get injured on their property, additional living expenses, and risks from tenant-occupied dwellings. Its senior account manager, Donna Meyers has been in the insurance industry for 33 years.

  • Fire
  • Condos
  • Multiple Policy Types

3410 Belle Chase Way 300, Lansing, MI 48911

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
4.9 (16)
Yelp
5.0 (1)

Why choose this provider?

Payne Insurance Agency is a family-owned and operated independent insurance agency that has been serving clients in the Lansing area and throughout the state since 1978. Representing a full spectrum of insurance companies, it offers a variety of personal and commercial insurance to individuals and businesses. This agency's home insurance policy covers personal property, liability, property coverage, medical expenses, and living expenses. Clients also have the option to add coverage to their home insurance like mortgage and rental dwelling.

  • Personal Property Insurance
  • Multiple Policy Types

4600 West Saginaw Highway, Lansing, MI 48917

Expertise.com Rating

Review Sources

Google
4.4 (8)

Why choose this provider?

Pohl Insurance is a family-operated and owned homeowners' insurance agency that has been helping families in Lansing with their insurance needs for more than 40 years. Since 2006, the founders' son, Mark Pricco, has been leading and managing a team of insurance agents that specializes in providing home insurance and motor home insurance policies to the firm's clients. The agency also offers other types of personal property insurance, such as auto, farm, and motorcycle insurance.

  • Multiple Policy Types

4451 Okemos Road, Meridian charter Township, MI 48864

Expertise.com Rating

Review Sources

Google
5.0 (115)

Why choose this provider?

Arnouts Insurance Agency has been representing multiple insurance carriers in Lansing since 1999. This locally owned company helps homeowners address various financial risks through comprehensive home insurance policies. Its insurance advisors seek to understand clients' needs and find applicable home insurance plans. Homeowners receive financial protection for loss or damage arising from liability exposures, home structures, and personal property. Arnouts Insurance Agency also provides insurance coverage options for renters, modular homes, landlord-dwelling fire protection, and mobile homes.

  • Multiple Policy Types

120 North Washington Square, Lansing, MI 48933
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (93)
Google
4.2 (19)

Why choose this provider?

Compass Insurance Agency is a full-service company that caters to Lansing residents. The insurance specialist assists clients in a wide range of areas including home insurance. Its team offers four standard types of home insurance namely dwelling coverage, liability coverage, guest medical coverage, and personal property coverage. The agents compare insurance options from 20 different carrier, among them are Travelers, Nationwide, and Grange Insurance. The insurance advisors also provide claims assistance.

  • Condos
  • Flood

1093 Charlevoix Drive, Grand Ledge, MI 48837

Expertise.com Rating

Review Sources

Google
5.0 (100)
Facebook
4.7 (27)
Yelp
5.0 (1)

Why choose this provider?

Bye Financial Group LLC is an independent agency that's been dedicated to providing personalized homeowners insurance solutions for more than 23 years. The company's licensed agents represent multiple carriers to deliver the coverage that best meets their clients' needs. They evaluate individual circumstances to help ensure appropriate protection for dwellings, personal possessions, and liability. Bye Financial Group also offers a wide variety of other policies, including commercial, auto, life, and health.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Greg Lemanski - State Farm Insurance Agent
3323 West Saginaw Street, Lansing, MI 48917
Stark Agency
431 North Clippert Street, Lansing, MI 48912
Marc Nichols Insurance Agency
3141 S Pennsylvania Ave, Lansing, MI 48910
The Rathbun Agency
529 W Saginaw St, Lansing, MI 48933
Stop 1 Insurance
2404 East Michigan Avenue, Lansing, MI 48912
Bubolz Insurance
1159 Trowbridge Rd, East Lansing, MI 48823
Kirk Byrens - State Farm Insurance Agent
4750 Central Park Drive, Meridian charter Township, MI 48864
Lebuda Totte Bray Insurance Agency
2163 University Park Drive, Okemos, MI 48864
Shinberg Insurance
2163 University Park Drive, Okemos, MI 48864
Capital Insurance Services
4299 Five Oaks Drive, Lansing, MI 48911
Payne Insurance Agency
3410 Belle Chase Way 300, Lansing, MI 48911
Pohl Insurance Agency Inc
4600 West Saginaw Highway, Lansing, MI 48917
Arnouts Insurance Agency
4451 Okemos Road, Meridian charter Township, MI 48864
Compass Insurance Agency
120 North Washington Square, Lansing, MI 48933
Bye Financial Group LLC
1093 Charlevoix Drive, Grand Ledge, MI 48837

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.
  • Can you use your homeowners insurance to rebuild your home in accordance with Lansing's most recent building codes?

    No, you will need ordinance or law insurance in addition to your existing homeowners insurance policy to cover the cost of bringing your home into compliance with the most recent Lansing building codes. It will be used when major home maintenance is required, such as updating the plumbing system, rewiring the electrical system, raising the foundation, and adding fire safety features. Costs for debris removal and demolition are also covered.

  • What is the minimum property value to buy homeowners insurance in Lansing?

    The minimum property value required to purchase Lansing homeowners insurance varies by policy type: Your home must be worth at least $15,000 to qualify for a repair cost policy, and you must purchase an amount of insurance equal to the market value of your home. Your property must be worth at least $35,000 to qualify for a replacement cost policy, and you must purchase insurance covering up to 80% of the replacement value of your property.

  • Does Lansing homeowners insurance provide coverage for damage to your neighbor?

    Yes. In Lansing, homeowners insurance also covers your neighbor's property damage or injuries for which you are liable. A standard policy's liability limit is $300,000, but this amount can be increased with additional premiums. Most insurers also include medical coverage with limits ranging from $1,000 to $5,000. The insurance may cover the cost of medical care for visitors injured on your property, the restoration of your neighbor's destroyed property, and the treatment of your guests injured by your pets.

  • How do homeowners insurance deductibles work in Lansing?

    When issuing payment for your claim, insurers frequently deduct your Lansing homeowners insurance deductible from the settlement amount. The deductible could be a fixed dollar amount, typically between $500 and $2,000, or a percentage of the insured value of the home. For example, if your deductible is $2,000 and the insurance adjuster estimates $7,000 in damages, you will only receive a $5,000 payout.

  • What does it mean to schedule an item in Lansing homeowners insurance?

    Because standard policies have exclusions for certain categories of assets and maximum payouts for specific losses, Lansing policyholders frequently supplement scheduled personal property coverage to their homeowners insurance for high-value items. With this endorsement, the scheduled item is covered against all perils, is replaced at its replacement cost, and is not subject to a deductible.

  • 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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