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2025

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Best Homeowners Insurance Agencies in Rochester Hills, MI

Our Recommended Top 9

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 Rochester Hills 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.

51Reviewed

34Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Rochester Hills
6841 North Rochester Road, Rochester Hills, MI 48306

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Prysock Insurance Group covers clients living in and nearby Rochester Hills. It helps homeowners pay for any repairs or replacements caused by unexpected damages to the structure itself and the clients' belongings. The company's agents talk with each client to hear out their concerns and examine the property and existing plans. It then informs the customers of ways to reduce their spending or additional coverage to fit their long-term plans. Established in 1999, the company also offers car and life insurance. They do a full range of products and services, from Auto, Home, Flood insurance, Life, Medicare and Medicare Advantage plans, Prescription drug plans, Health insurance, All personal lines from boats, motorcycles, ATVs, Recreational vehicles and homes, etc.

  • Multiple Policy Types
  • Renter's Insurance

Best Homeowners Insurance Agencies Serving Rochester Hills
414 South Main Street, Rochester, MI 48307

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Birchfield Independent Insurance Agency is an insurance company that caters to the insurance needs of residents and business owners in Rochester Hills and surrounding areas. The firm assists individuals in purchasing the right homeowners insurance policy that can adequately protect their homes, personal belongings, and family members against unforeseen circumstances. Its licensed agents evaluate the needs of their customers and compare them with the coverage options offered by several insurance carriers. Other offerings include auto, life, business, and commercial insurance plans.

  • Multiple Carriers
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester Hills
145 South Livernois Road, Rochester Hills, MI 48307

Expertise.com Rating

Review Sources

Facebook
3.9 (7)
Google
5.0 (2)

Why choose this provider?

Rochester Hills Insurance Group is an independent insurance agency that serves the community in the area, giving clients policy options from over a dozen insurance carriers. Although it offers a full insurance product line, Rochester Hills Insurance Group also offers homeowners insurance policies to help clients protect their largest assets and investments. The agency helps homeowners tailor insurance policies to suit their needs, whether they want to switch policies/insurance carriers or get a new policy for the first time.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester Hills
403 South Broadway Street, Orion charter Township, MI 48362

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
5.0 (8)
Yelp
3.0 (2)

Why choose this provider?

Scott Ockerman, State Farm Insurance Agent, assists clients in the Rochester Hills metro area with homeowners insurance needs. Branch founder Scott Ockerman has over 20 years of experience in the insurance industry and helps clients to purchase policies that protect them from financial losses if their homes are destroyed or badly damaged. It can assess property and possessions to give clients an idea of insurance costs. This office also insures automobiles and businesses.

  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Rochester Hills
803 N Main St, Rochester, MI 48307

Expertise.com Rating

Review Sources

Google
4.9 (24)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Main Street Insurance Agency was established in 1979 and caters to clients in Rochester Hills. It talks to homeowners and assesses their house and any existing policy plans. It offers plans to fit the clients' budgets or to upgrade their existing policies. The agency informs each client about policy details like natural disasters covered, personal belongings protected, and possible liability fees. The agency works with national insurance carriers like Safeco, Progressive, and Nationwide Insurance.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester Hills
109 East 4th Street, Rochester, MI 48307

Expertise.com Rating

Why choose this provider?

Szura Insurance Services helps homeowners in Rochester Hills protect their homes and possessions. Its insurance professionals conduct evaluations to assess potential risks, determine appropriate coverage types, and offer home insurance policies that meet clients' requirements. They also review existing policies to ensure that homeowners obtain necessary financial protection for losses or damages associated with properties, whether due to natural disasters or random acts. Szura Insurance Services also provides commercial insurance solutions.

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

Best Homeowners Insurance Agencies Serving Rochester Hills
5730 Bella Rosa Boulevard, Clarkston, MI 48348

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

McNeil Agency Inc. serves the Rochester Hills metro area and provides clients with comprehensive services to assist them with homeowners insurance and related needs. This agency sells policies that cover dwelling repair and replacement costs, replace any personal items lost, and cover injuries of guests and property belongings to guests. McNeil Agency Inc. provides evaluations for potential policies based on the value of each client's assets and their unique circumstances.

  • Condos
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester Hills
48639 Hayes Road, Macomb, MI 48044

Expertise.com Rating

Why choose this provider?

Grewal Insurance Agency is a homeowners insurance provider that serves Rochester Hills, the Tri-County area, and the entire state of Michigan. Established in 2016, the company offers personalized assessments aimed to provide the right insurance products to homeowners in the community. Additionally, it offers several personal insurance products like auto, life, boat, and pet insurance. Grewal Insurance Agency also offers general liability insurance, trucking/fleet insurance, surety bonds, workers' compensation, and excess liability for commercial clients.

  • Flood
  • Condos
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester Hills
1415 Walton Boulevard, Rochester Hills, MI 48309

Expertise.com Rating

Review Sources

Google
4.7 (37)

Why choose this provider?

The Crawford Insurance Group offers custom insurance plans for homeowners residing in Rochester Hills. This company has affiliations with different insurance carriers to obtain comparative insurance quotes and help clients find appropriate insurance deals. Its insurance agents assist in the identification of potential risks and the determination of necessary coverage packages. They also work closely with homeowners to ensure sufficient protection for home and property loss or damage. The Crawford Insurance Group also handles employee benefit programs.

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

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Prysock Insurance Group
6841 North Rochester Road, Rochester Hills, MI 48306
Birchfield Independent Insurance Agency
414 South Main Street, Rochester, MI 48307
Rochester Hills Insurance Group
145 South Livernois Road, Rochester Hills, MI 48307
Scott Ockerman - State Farm Insurance Agent
403 South Broadway Street, Orion charter Township, MI 48362
Main Street Insurance Agency
803 N Main St, Rochester, MI 48307
Szura Insurance Services
109 East 4th Street, Rochester, MI 48307
McNeil Agency, Inc.
5730 Bella Rosa Boulevard, Clarkston, MI 48348
Grewal Insurance Agency
48639 Hayes Road, Macomb, MI 48044
The Crawford Insurance Group
1415 Walton Boulevard, Rochester Hills, MI 48309

Rochester Hills, MI Homeowners Insurance Agency FAQs

  • What is the liability coverage on a homeowners' insurance policy in Rochester Hills?

    In Rochester Hills, the liability portion of homeowners' insurance policies protects policyholders from emergencies and injuries caused by an accident and a claim filed against them. The liability coverage pays for property damage caused by an individual, injuries to visitors on the premises, and medical costs resulting from dog bites or attacks. It also covers any damage ordered by the Rochester Hills court to pay; however, it is limited to $300,000 for property damage and injuries and is not subject to deductible.

  • Do homeowners' insurance policies cover identity theft in Rochester Hills?

    Identity theft is not covered by the average homeowners' insurance policy in Rochester Hills; however, policyholders can obtain identity theft coverage by adding a rider to their current homeowners' insurance policy. By adding an insurance rider, you can get accidental loss coverage, lower or no deductibles, and a higher coverage limit. Individuals in Rochester Hills, on the other hand, can purchase a separate policy, such as the Michigan Civil Service Commission's IDShield Identity Theft plan, which covers malware protection, identity restoration, and password management.

  • What are the common exclusions in homeowners' insurance policies in Rochester Hills?

    Water damage from sewer backups, animal injuries, and dry rot or vermin are typically not covered by Rochester Hills homeowners insurance. Weather-related disasters, such as mudslides and floods, are also not covered by the policy. In addition, homeowners' insurance policies in Rochester Hills do not cover losses to home-based businesses, intentional losses, or losses caused by earthquakes or negligence.

  • Who is not qualified to apply for homeowners' insurance policies in Rochester Hills?

    Residents of Rochester Hills who want to insure their home that is used for illegal purposes and has a physical condition that makes a significant loss likely are ineligible for a homeowners' insurance policy. Policyholders who have been convicted of arson in the last five years or who have refused to purchase the required minimum policy coverage are not eligible for the plan. Applicants who have been unable to find an insurer may apply to the Michigan Basic Property Insurance Association.

  • How much is the minimum amount for insurers in Rochester Hills to deny a homeowners' insurance plan?

    Insurance companies in Rochester Hills are unable to cover the costs of repairing, replacing, or rebuilding a damaged home worth no more than $35,000 to its original condition using the same materials and quality. On the other hand, insurers do not finance the replacement or rebuilding expenses of a property worth less than $15,000 to a comparable condition using modern materials, such as drywall instead of plaster walls. However, agencies that refuse to provide a replacement cost policy must instead provide a repair cost policy.

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