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2024

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Best Homeowners Insurance Agencies in Southfield, MI

Our Recommended Top 6

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 Southfield 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.

47Reviewed

30Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

20245 W 12 Mile Rd Suite 130, Southfield, MI 48076

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Insurance by Anderson is an independent insurance company that has been serving the Southfield metro area and nearby localities since 1950. The firm provides professional guidance to homeowners in choosing the right insurance policy among different carriers that best suits their needs. Its licensed agents work with several insurance companies to create a customized policy that can cover the interior and exterior features of the home. Other offerings include auto, watercraft, retirement, life, and business insurance policies. The company is a member of the Michigan Association of Insurance Agents.

  • Multiple Policy Types

19203 Grand River Avenue, Detroit, MI 48223

Expertise.com Rating

Review Sources

Google
4.2 (29)
Facebook
5.0 (3)

Why choose this provider?

John Cash is an insurance agent working with State Farm Insurance near Southfield. The agent has been working in the insurance industry for more than 30 years, and he sells insurance plans to cover clients' homes in the event of natural disasters, such as fires, large storms, and floods. His policies also cover the contents and visitors of the home. Additionally, Cash offers life, business, health care, and automobile insurance.

  • Personal Property Insurance

25140 Lahser Rd., Suite 282, Southfield, MI 48033

Expertise.com Rating

Review Sources

Google
4.5 (12)

Why choose this provider?

Cagwin Agency - Meemic Insurance Agent has been offering insurance solutions for residents in Southfield and surrounding areas for more than two decades. The team of insurance specialists at this agency provides tailored homeowners' insurance plans that cover the dwelling or other structures, personal property, and liability protection. Its homeowners' insurance also includes liability coverage for school administrators, professors, and teachers as well as coverage of up to US$2,500 for loaned computers.

  • Renter's Insurance
  • Condos

30200 Telegraph Road, Bingham Farms, MI 48025

Expertise.com Rating

Review Sources

Google
4.6 (71)
Facebook
5.0 (19)

Why choose this provider?

Provision Insurance Group is an independently owned and operated insurance company working with the residents of Southfield. The company builds and maintains relationships with a variety of insurance providers to allow clients to choose personalized homeowners insurance packages that fit their specific needs. Its policies cover the client's home and belongings in the event of natural disasters and theft. Provision Insurance Group represents Allied Insurance, Liberty Mutual, and National General.

  • Multiple Carriers
  • Multiple Policy Types

850 Stephenson Highway, Troy, MI 48083

Expertise.com Rating

Review Sources

Google
4.6 (11)
Facebook
5.0 (11)

Why choose this provider?

Haugk Insurance Agency is an independent insurance agency working with the residents of Southfield and the surrounding areas. The company offers coverage that pays for repair costs for homes that have been damaged by fire and rain. It also sells plans that cover the client's belongings inside the home that have been stolen or vandalized. Additionally, the agency sells umbrella liability plans to cover excess costs that are not covered by standard packages.

  • Condos
  • Fire

16250 Northland Drive, Southfield, MI 48075

Expertise.com Rating

Review Sources

Google
4.6 (12)

Why choose this provider?

Peoples Insurance Agency, LTD., is a homeowners' insurance agency that services residents in Southfield and the surrounding areas. Its team of home insurance agents provides quotes that range from basic homeowner's insurance to a full replacement HO-3 policy, which covers losses caused by explosions, fire, hail, lightning, tornadoes, and typhoons. They can also offer the homeowners protection against thieves and vandals. Other than homeowners' insurance, Peoples Insurance Agency, LTD., also offers renters' policies.

  • Renter's Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Insurance By Anderson
20245 W 12 Mile Rd Suite 130, Southfield, MI 48076
John Cash - State Farm Insurance Agent
19203 Grand River Avenue, Detroit, MI 48223
Cagwin Agency - Meemic Insurance Agent
25140 Lahser Rd., Suite 282, Southfield, MI 48033
Provision Insurance Group
30200 Telegraph Road, Bingham Farms, MI 48025
Haugk Insurance Agency
850 Stephenson Highway, Troy, MI 48083
Peoples Insurance Agency, LTD.
16250 Northland Drive, Southfield, MI 48075

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.
  • Do Southfield fire protection efforts affect homeowners’ insurance costs?

    Depending on the rating assigned to the Southfield Fire Department by the Insurance Services Office, homeowners’ insurance costs in the metro may increase. Because the department’s most recent rating is 3, with 1 being the highest, homeowners in the area do not experience the same insurance rate increases that lower-rated areas such as Detroit, Warren, Livonia, and Sterling Heights do.

  • Does Southfield homeowners’ insurance cover flood damage?

    Most homeowners’ insurance policies in Southfield do not cover damage caused by flooding, which is why residents turn to the Federal Emergency Management Agency’s National Flood Insurance Program. In fact, Oakland County has more than 1,300 active policyholders with a combined $350 million in flood insurance coverage. The program is partnered with a network of 60 insurance companies.

  • Does Southfield homeowners’ insurance help with burst pipes?

    Standard homeowners’ insurance policies in Southfield, or HO3 policies, cover the costs of burst pipes by default. However, most of them do not cover water backup, which is when the house is flooded through a sewer line, septic line, or sump pump overflow. Because of this, homeowners are advised to add protections to their existing policy by making a special endorsement.

  • Does Michigan offer Southfield homeowners’ insurance assistance?

    Homeowners in Southfield may be able to obtain financial assistance for their homeowners’ insurance costs, mortgage payments, and property taxes through the Michigan Homeowners Assistance Fund. Launched in February 2022, the program offers up to $25,000 to qualifying households with incomes less than 150% of the area’s median income.

  • Where can Southfield residents report their homeowners’ insurance provider?

    Residents of Southfield who wish to report their homeowners’ insurance provider may file a complaint through the official website of Michigan’s Department of Insurance and Financial Services. Policyholders may also relay their concerns by calling the department’s hotline at 877-999-6442, which is open Monday through Friday, from 8 a.m. to 5 p.m.

  • 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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