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2024

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Best Homeowners Insurance Agencies in Troy, MI

Our Recommended Top 12

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 Troy 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.

57Reviewed

39Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

888 West Big Beaver Road, Troy, MI 48084

Expertise.com Rating

Review Sources

Google
5.0 (254)
Yelp
5.0 (6)

Why choose this provider?

E&Y Agency, LLC., offers insurance products and services to residents and business property owners in Troy and the rest of the region. Its independent insurance agents help clients survey multiple insurance carriers for the most suitable homeowners' insurance policy—according to the clients' coverage needs and their desired rates. The policy is available for a range of private residences including detached houses, apartments, and condominiums. Some of the insurance companies the agency collaborates with are Liberty Mutual, Progressive, Safeco Insurance, and Travelers Insurance Group.

  • Multiple Policy Types
  • Personal Property Insurance

13854 Lakeside Circle, Sterling Heights, MI 48313

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Uniforce Insurance Agency does business in the Troy metro area and sells homeowners insurance packages to protect clients from financial loss if their properties are destroyed by natural disasters, fires, or other issues. Agents are available to provide clients with help throughout the process as they look for insurance plans that fit their needs at rates they can afford. Policies typically cover dwellings, personal items, and liabilities as well as temporary living expenses and medical bills.

  • Fire
  • Multiple Policy Types

2095 East Big Beaver Road, Troy, MI 48083

Expertise.com Rating

Review Sources

Google
4.6 (9)
Facebook
4.5 (3)
Yelp
4.5 (3)

Why choose this provider?

InPro Insurance Group is an independent agency located in Troy. The business has been helping customers craft insurance solutions since 1973. Its team of professionals offers homeowners' insurance to help clients recover from liability and property losses. The home insurance coverage includes claims, such as vandalism, theft, windstorm, and fire. The insurance agents also provide life and health, umbrella, toys, and auto insurance programs. Some of the company's insurance carriers include Accident Fund, American Modern, and Berkshire Hathaway.

  • Multiple Policy Types

305 West Big Beaver Road, Troy, MI 48084

Expertise.com Rating

Review Sources

Google
4.9 (39)

Why choose this provider?

Doeren Mayhew Insurance Group is a firm that caters to residents around Troy that seek assistance in safeguarding their homes and properties in cases of unpredictable situations. The agency works to secure coverage for homes impacted by damages or losses driven by incidents such as fire, water damage, hail, or vandalism. Doeren Mayhew Insurance Group also helps clients identify suitable insurance policies for medical expenses, injury liabilities, and temporary living expenses. The firm has been in operation since 1884.

  • Multiple Policy Types

30100 Telegraph Road, Bingham Farms, MI 48025

Expertise.com Rating

Review Sources

Google
4.2 (5)
Facebook
5.0 (4)

Why choose this provider?

Sweet Insurance Agency sells homeowners insurance policies near Troy to clients that need various levels of coverage for their homes and furnishings. Its agents explain the types of coverage offered in these package policies and evaluate each client's circumstances to make recommendations about the amount and type of coverage they need. Sweet Insurance Agency also responds to any needs that clients have pertaining to making claims or resolving issues with their insurance carriers.

  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance

23333 Gratiot Avenue, Eastpointe, MI 48021

Expertise.com Rating

Review Sources

Google
4.8 (17)
Facebook
5.0 (12)

Why choose this provider?

K. Mathes Insurance is an agency offering homeowners insurance policies to clients in the Troy metro area. This agency can assist those looking for comprehensive policies and help them to purchase said policies from a variety of carriers after comparing available rates. It helps clients to ensure that they're covered for repair or replacement costs of their properties and that their personal belongings will be replaced if destroyed. K. Mathes Insurance can insure cars as well.

  • Condos
  • Renter's Insurance
  • Personal Property Insurance

2032 E Square Lake Rd Ste 300, Troy, MI 48085

Expertise.com Rating

Review Sources

Google
4.5 (38)
Facebook
5.0 (26)

Why choose this provider?

Troy Metro Agency sells homeowners insurance and enables clients to select from quotes offered by a variety of carriers. Its agents can help clients solve any problems they have while shopping for insurance and they provide information on the meanings of terms as well as coverage options for properties and personal items. Troy Metro Agency also sells condo insurance and offers renters insurance coverage as well. Other insurance focus areas include auto insurance and boat insurance.

  • Multiple Policy Types

3155 W Big Beaver Rd Suite 125, Troy, MI 48084

Expertise.com Rating

Review Sources

Google
3.7 (3)
Facebook
5.0 (1)

Why choose this provider?

Mason-McBride Inc. offers a full range of insurance services from its Troy office. Included in its line of policies is home insurance. The agents assist homeowners in acquiring various homeowners' insurance coverages including scheduled personal property coverage, personal property coverage, personal liability coverage, and dwelling coverage. Another coverage type protects structures that are detached from a homeowner's property such as sidewalks, driveways, garages, and sheds. Mason-McBride Inc. is licensed in 26 other states including New York, Arizona, California, and Colorado.

  • Personal Property Insurance
  • Multiple Policy Types

1111 West Long Lake Road Suite 201, Troy, MI 48098

Expertise.com Rating

Review Sources

Google
4.5 (15)
Facebook
4.0 (4)

Why choose this provider?

JPS Insurance Agency is an independent insurance agency from Troy. They write customized homeowners insurance policies that are tailored to meet the specific needs of clients. The insurance covers the payment for losses to the home and belongings inside due to fire, storm, theft, or another event specified in the policy. If a non-resident gets injured while on the property, the policy will also protect the homeowner from personal liability. JPS Insurance Agency also provides solutions for business insurance, auto insurance, and life insurance.

  • Personal Property Insurance
  • Multiple Policy Types

2855 Coolidge Highway, Troy, MI 48084

Expertise.com Rating

Review Sources

Google
4.9 (70)

Why choose this provider?

Members Home and Auto sells homeowners insurance coverage to clients throughout the Troy metro area. This company can help clients to deal with a multitude of issues as they shop for and attempt to purchase homeowners insurance policies. It offers full coverage for a variety of scenarios such as storms, fires, vandalism, or utility issues. Members Home and Auto also accepts claims and submits them to insurance carriers. Auto insurance is offered here too.

  • Fire
  • Flood

38853 Harper Avenue, Clinton Township, MI 48036

Expertise.com Rating

Review Sources

Google
4.0 (2)

Why choose this provider?

Phil Thomas Jr., State Farm Insurance Agent, is a branch office of State Farm offering homeowners insurance coverage. Agent Phil Thomas Jr. advises clients on their coverage options and works on behalf of them as they shop through and purchase plans that protect them from financial loss if their homes or connected assets are damaged. This agency also sells coverage to clients who are renters and need personal property coverage. Life and auto insurance policies are available here.

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

3250 West Big Beaver Road, Troy, MI 48084

Expertise.com Rating

Review Sources

Google
5.0 (87)
Facebook
4.7 (38)

Why choose this provider?

Signature Insurance, an independent agency with offices in Warren and Troy, has provided services since 2006. Signature partners with insurance companies like AAA, Progressive, Westfield, and Nationwide, to help clients obtain coverages most suitable for their needs. It offers assistance in getting home, auto, rental, and boat insurance, as well as life and liability protection plans. Signature agents look for ways to meet customers’ needs and serve them in a friendly and professional manner.

  • Multiple Carriers
  • Multiple Policy Types
  • Bundling Option

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
E&Y Agency, LLC
888 West Big Beaver Road, Troy, MI 48084
Uniforce Insurance Agency
13854 Lakeside Circle, Sterling Heights, MI 48313
InPro Insurance Group
2095 East Big Beaver Road, Troy, MI 48083
Doeren Mayhew Insurance Group
305 West Big Beaver Road, Troy, MI 48084
Sweet Insurance Agency
30100 Telegraph Road, Bingham Farms, MI 48025
K Mathes Insurance
23333 Gratiot Avenue, Eastpointe, MI 48021
Troy - Metro Agency
2032 E Square Lake Rd Ste 300, Troy, MI 48085
Mason-McBride Inc.
3155 W Big Beaver Rd Suite 125, Troy, MI 48084
JPS Insurance Agency
1111 West Long Lake Road Suite 201, Troy, MI 48098
Members Home and Auto
2855 Coolidge Highway, Troy, MI 48084
Phil Thomas Jr - State Farm Insurance Agent
38853 Harper Avenue, Clinton Township, MI 48036
Signature Insurance
3250 West Big Beaver Road, Troy, MI 48084

Troy, MI Homeowners Insurance Agency FAQs

  • Are the residents of Troy required to be covered by homeowners' insurance?

    No, the residents of Troy are not required to be covered by homeowners' insurance. No legislation requires that houses be insured, though it is practical to be so. The area is prone to adverse weather conditions like heavy rainfall, and every house will inevitably need repairs, making insurance useful.

  • When should residents of Troy start shopping around for homeowners' insurance?

    Residents of Troy should start shopping around for homeowners' insurance when the contract to buy the house is signed. This is the time to collect and select quotes and weigh the pros, cons, coverages, and exclusions of several assurance products to come to an informed decision as to which one to choose.

  • How are homeowners' insurance costs determined in Troy?

    Homeowners' insurance costs are determined in Troy by collating external data and personal information. Insurers look at the insured party's past history for making claims and paying debts on time. The local crime rates in the surrounding area and the proneness to natural disasters are examined to gauge how risky insuring the property would be.

  • In Troy, what is the correlation between deductibles and premium payments in homeowners' insurance policies?

    In Troy, having more deductibles lowers the amount the homeowner has to pay to have a house insured. Deductibles refer to the costs an insured has to pay out-of-pocket, so the more of these there are, the less the insurer has to pay. As a result, the insurer will also demand less in premiums.

  • Do standard homeowners' policies in Troy fully extend coverage to valuables like jewelry, collectibles, and fine art?

    No, standard homeowners' policies in Troy do not fully extend coverage to valuables like jewelry, collectibles, and fine art. Usually, these would be excluded outright or the insurable limit is lower than the full value of the asset. There are options to fully cover these personal properties through optional plans.

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