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2024

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Best Homeowners Insurance Agencies in Livonia, MI

Our Recommended Top 9

We did the research for you!

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

62Reviewed

40Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

29195 Plymouth Road, Livonia, MI 48150

Expertise.com Rating

Review Sources

Google
4.4 (7)

Why choose this provider?

Warrendale Insurance Agency is a Livonia-based firm that works with various insurance companies to provide custom home insurance plans. Its insurance specialists help homeowners obtain financial protection for losses, whether due to fire, theft, or non-resident injury claims. They also educate clients on coverage types, such as home or garage repairs, loss of valuables like electronics or jewelry, and living expenses for loss of use. Warrendale Insurance Agency also offers insurance solutions for rental properties, high-value homes, and secondary residences.

  • Multiple Carriers
  • Multiple Policy Types

38145 Plymouth Road, Livonia, MI 48150

Expertise.com Rating

Review Sources

Google
4.7 (21)
Facebook
5.0 (11)

Why choose this provider?

Arlington Agency, Inc., is an independent insurance agency that has been serving individuals, families, and businesses in Livonia since 1971. As an independent agency, it works with several major insurance companies to be able to provide multiple choices of coverage, benefits, and payment options to its clients. It offers homeowners' insurance that protects policyholders from financial losses caused by fire, storms, theft, and other events included in the policy. The also insurance covers structural repairs and replacements.

  • Multiple Carriers
  • Multiple Policy Types

37464 Five Mile Road, Livonia, MI 48154

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Cagwin Agency - Meemic Insurance Company is an insurance agency that specializes in auto and home insurance. It has been educating the Livonia community on different insurance coverage and options for over 60 years. The team can customize the homeowners' insurance policy to help clients obtain maximum protection coverage. Additional coverage may include guaranteed home replacement cost coverage and functional replacement costs. Cagwin Agency also offers condo, renters, flood, umbrella, and mobile home insurance policies.

  • Multiple Policy Types

19329 Farmington Road, Livonia, MI 48152

Expertise.com Rating

Review Sources

Google
4.9 (14)

Why choose this provider?

Established in 1986, Paul Lee Agency, Inc., is a Livonia-based insurance agency offering homeowners' insurance policies that provide its clients with financial protection against unexpected disasters. The policy covers damage to the properties and personal belongings of its clients. It also protects the clients from liabilities in case someone is injured while on their properties. The insurance also covers the cost of repairs for damages due to vandalism. Additionally, it covers the reimbursement for losses due to theft.

  • Earthquake
  • Renter's Insurance
  • Multiple Policy Types

32626 7 Mile, Livonia, MI 48152

Expertise.com Rating

Review Sources

Google
4.7 (15)
Yelp
5.0 (1)

Why choose this provider?

Carla McCormick is an insurance agent with State Farm Insurance who serves Livonia and its surrounding areas. Carla offers State Farm Insurance products, including home insurance policies that can protect a property owner's largest investment from losses that might otherwise lead to financial ruin. Home insurance policies can help homeowners repair or replace their homes and items contained within if disaster strikes. Carla McCormick also provides auto, renters, health, life, and business insurance policies from State Farm.

  • Multiple Policy Types

33652 Ford Rd, Westland, MI 48185

Expertise.com Rating

Review Sources

Google
4.1 (10)

Why choose this provider?

Juenemann Insurance Agency is an insurance company that offers insurance solutions to clients in the Livonia metro and its surrounding areas. The firm provides homeowners' insurance packages that financially protect homeowners from risks and damages caused by natural disasters and losses. Its basic policy covers the entire dwelling structure and its contents. Additionally, the policy can be further expanded to include other detached home structures, like garages, and high-value items, like jewelry, watches, and furs.

  • Personal Property Insurance
  • Multiple Policy Types

32646 Five Mile Road, Livonia, MI 48154

Expertise.com Rating

Review Sources

Google
4.7 (32)

Why choose this provider?

Metro Agency, Inc. is a family-owned and operated independent insurance agency that has been serving the home and business community in Livonia since 1959. This company is made up of three generations of family insurance professionals who aim to help its clients protect their largest investment in the event of a loss. Its homeowners insurance policies cover the house, other structures on the property, and personal belongings. It also offers condo owners, renters, and flood insurance.

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

15401 Farmington Road, Livonia, MI 48154

Expertise.com Rating

Review Sources

Google
4.5 (15)
Facebook
5.0 (4)

Why choose this provider?

Jared Chapman is a State Farm insurance agent providing services to homeowners and commercial clients in Livonia. His team of agents has 45 years of combined experience in serving the insurance industry. The office creates personalized homeowners' insurance coverages depending on the consumers' preferences and needs. Chapman, who has been working in the industry for over 20 years, is a member of the Livonia Chamber of Commerce. Other insurance products include auto, business, pet, life, and health.

  • Multiple Policy Types

31300 Plymouth Road, Livonia, MI 48150

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (10)

Why choose this provider?

Legacy Partners Insurance Services is an independent insurance agency in Livonia dedicated to helping families and individuals make sound financial decisions. With over 10 decades of experience in the industry, its professionals maintain relationships with more than 50 insurance providers to shop and search for comprehensive policies. They can assist homeowners who want to make sure that damage to their property will be compensated in full by their policies. The company also offers group benefit plans for employees.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Warrendale Insurance Agency
29195 Plymouth Road, Livonia, MI 48150
Arlington Agency, Inc.
38145 Plymouth Road, Livonia, MI 48150
Cagwin Agency - Meemic Insurance Company
37464 Five Mile Road, Livonia, MI 48154
Paul Lee Agency, Inc.
19329 Farmington Road, Livonia, MI 48152
Carla McCormick - State Farm Insurance Agent
32626 7 Mile, Livonia, MI 48152
Juenemann Insurance Agency
33652 Ford Rd, Westland, MI 48185
Metro Agency, Inc.
32646 Five Mile Road, Livonia, MI 48154
Jared Chapman - State Farm Insurance Agent
15401 Farmington Road, Livonia, MI 48154
Legacy Partners Insurance Services
31300 Plymouth Road, Livonia, MI 48150

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.
  • Is homeowners' insurance required for individuals who finance their properties in Livonia?

    Yes, for those opting to finance their homes in Livonia, securing homeowners' insurance is more than a recommendation—it's an imperative. Lenders enforce this policy to protect their financial commitments in real estate. If homeowners waiver in this commitment, the lender acts, deploying "force-placed insurance," ensuring that their vested interests in the property stay intact and uncompromised. Homeowners without financing can opt out of homeowners' insurance, but they bear the full risk of potential damages.

  • What options do Livonia residents have if they're declined homeowners' insurance by regular providers?

    Residents of Livonia who have been denied homeowners' insurance can turn to the Michigan Basic Property Insurance Association. Often called the "insurer of last resort," this association grants coverage to homeowners struggling to find it in the regular market. Any licensed property or casualty insurance agent can assist in the application process.

  • What is the difference between "actual cash value" and "replacement cost" for Livonia homeowner's insurance policyholders?

    For Livonia homeowner's insurance policyholders, "actual cash value" is the item's replacement cost minus depreciation. For instance, a decade-old TV might have an actual cash value of around $50 after accounting for wear and tear. Conversely, "replacement cost" is the present-day expense to replace that TV with a similar model, typically much more than the depreciated $50. In essence, the replacement cost doesn't factor in depreciation, while actual cash value does.

  • Do homeowner's insurance policies cover damage caused by pests in Livonia?

    Homeowners' insurance doesn't generally guard against pest-related damages. While these plans aim to shield residences and valuables, they aren't without exclusions. It's vital for property owners to recognize these gaps. Being informed about what's omitted lets Livonia dwellers fine-tune their coverage, ensuring a well-rounded defense for both their homes and belongings.

  • Does standard homeowners' insurance in Livonia cover musical instruments?

    Standard homeowners' insurance generally covers musical instruments but not when used for paid performances. Livonia residents can either add to their existing policy or secure a separate one for their instruments for more extensive protection. Enhanced options typically offer coverage against a broader range of hazards than the basic package. One can determine if they need extra coverage by taking an inventory of their instruments and assessing their value.

  • 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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