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Best Homeowners Insurance Agencies in Dearborn

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Gary K. Smith Agency logo
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License Verified:

License: 17233946

Michigan Department of Insurance and Financial Services

Gary K. Smith Agency

14405 Northline Road, Southgate, MI 48195
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  • Life Insurance

Business Description

Gary K. Smith Agency is an insurance agency that serves Dearborn and the surrounding areas. It offers homeowners insurance policies, including rental property and dwelling fire insurance. Auto and motorcycle insurance policies are also available. In addition, the company is partnered with various carriers across the state, allowing clients to choose a plan that best suits their needs. Gary K. Smith Agency also assists commercial clients looking to get coverage for general liability, workers' compensation, commercial auto, and liquor liability policies.

License Verified:

License: 17233946

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (43)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Grendel-Wittbold Insurance logo
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Grendel-Wittbold Insurance

12850 Eureka Road, Southgate, MI 48195
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Business Description

Grendel-Wittbold Insurance is an independent insurance agency that's been helping clients find the best policies for their needs since 1952. The company's agents have years of experience assisting homeowners looking for policies that protect their properties and assets while also being affordable. Its agents have provided policies that have covered clients whose homes were destroyed by fire, who were sued by guests injured while in the home, and those that were burgled.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Janet Coates - State Farm Insurance Agent logo
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Janet Coates - State Farm Insurance Agent

20943 Mack Avenue, Grosse Pointe Woods, MI 48236
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Janet Coates is a State Farm insurance agent who serves clients throughout The Pointes and the surrounding communities. Ms. Coates can help homeowners find a State Farm policy that covers their needs, ensuring their homes and personal valuables are covered should the worst happen. The agent can also offer policies that protect the homeowner's home contents while they are in storage. Additionally, she can offer insurance policies to drivers, pet owners, and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.3 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jim Demko - State Farm Insurance Agent logo
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Jim Demko - State Farm Insurance Agent

22073 West Road, Woodhaven, MI 48183
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Jim Demko - State Farm Insurance Agent is a licensed insurance agent who serves homeowners throughout the Dearborn metro area. Mr. Demko routinely helps clients find the most affordable policies that protect their assets. These include policies that cover the home's contents and other valuables when the homeowner is away on vacation and when those items are in storage. Mr. Denko also specializes in life insurance, auto insurance, and renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (100)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
L.A. Insurance logo
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L.A. Insurance

812 South Main Street, Royal Oak, MI 48067
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  • Multiple Policy Types

Business Description

L.A. Insurance is an insurance agency serving clients in the Dearborn metro. The company offers comprehensive insurance coverage for various needs, including auto, health, and home. It offers clients financial protection in the form of its homeowners' insurance policies that cover expenses for common damages, natural disasters, and losses. The policies also include liability coverage for accidents within the home, covering injuries caused by home defects, slips and falls, and even pets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.1 / 5 (63)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Marlin Insurance Agency logo
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Marlin Insurance Agency

24623 Ford Road, Dearborn, MI 48128
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  • Multiple Policy Types

Business Description

Marlin Insurance Agency is located in Dearborn. Homeowners seeking to protect their homes can expect a wide range of options to choose from, whether they need a basic policy or a comprehensive one. The company offers coverage for the dwelling, personal property, loss of use, liability, and medical payments. Depending on the client's needs, it also provides coverage for theft and natural disasters. It also offers landlord insurance, covering accidents, property repairs, and natural disasters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Nahid Hammad Insurance Agency-GlobalGreen Insurance logo
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License Verified:

License: 18672758

Department Of Insurance And Financial Services

Nahid Hammad Insurance Agency-GlobalGreen Insurance

24626 Ford Road, Dearborn Heights, MI 48127
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  • Homeowners

Business Description

Nahid Hammad Insurance Agency-GlobalGreen Insurance is a Dearborn-based agency that keeps families and their homes protected with the right coverages. It offers homeowners' insurance policies that pay for damages caused to residential properties by covered events. The independent agency shops for quotes from more than 40 insurance carriers in order to allow clients to compare rates. It treats customers as individuals and serves them with integrity and professionalism. Other products of the company are personal auto and commercial insurance.

License Verified:

License: 18672758

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (77)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Najjar Insurance Agency logo
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Najjar Insurance Agency

14319 Michigan Avenue, Dearborn, MI 48126
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Business Description

Najjar Insurance Agency is located in Dearborn, Michigan. The company helps homeowners create an insurance plan that fits their properties and its features. It examines important factors, like the addition of a fireplace, the material of the walls, and the year the home was built. The company also checks for detached structures and previous claims filed. It helps clients review and change existing policies online 24/7. Najjar Insurance Agency also provides for businesses, landlords, automobile, and liability insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Premier Insurance Agency logo
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Premier Insurance Agency

7011 Orchard Lake Road, West Bloomfield Township, MI 48322
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Located in West Bloomfield, Premier Insurance Agency is an insurance firm serving clients in the Dearborn area. It has been providing homeowners' insurance solutions to Michanganders for over 15 years. Clients may obtain personalized home insurance quotes through the agency website by submitting the information sheet with their basic information and dwelling description. One of its expert agents will then get in touch with the client and assist them in finding their ideal coverage. Premier Insurance Agency maintains 35 offices throughout the state of Michigan.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Dearborn Agency logo
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The Dearborn Agency

22691 Michigan Avenue, Dearborn, MI 48124
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Business Description

The Dearborn Agency offers insurance products for individuals, families, and businesses. Its home insurance plans apply to homeowners, condominium owners, and renters, providing comprehensive solutions to diverse client needs. Its insurance specialists help homeowners protect their investments through coverage options for property or home damage or loss due to random acts or natural disasters. They aid clients in assessing potential risks and determining whether additional coverage is applicable, including identity theft and water and flood damage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.1 / 5 (32)
Facebook
4.8 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Mustapha Family Agency logo
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License Verified:

License: 9565491

Department Of Insurance And Financial Services

The Mustapha Family Agency

10619 West Warren Avenue, Dearborn, MI 48126
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  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

The Mustapha Family Agency is a homeowners insurance agency serving clients in Dearborn. Its team lives where it works, making the agency a local insurance expert. The agency offers insurance coverage against damage from fire, flood, theft, and hailstorms, creating personalized home insurance plans by getting to know the clients, their family, and their needs. The agency also creates an inventory of items in the client's home to ensure the proper coverage of their belongings.

License Verified:

License: 9565491

Department Of Insurance And Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (202)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs