Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Detroit

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 Detroit 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.

528Reviewed

321Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
7125 Orchard Lake Rd Ste 302, West Bloomfield, MI 48322
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Phil Klein Insurance Group is an independent agency assisting clients throughout the Detroit, Michigan, metro area with home insurance policies by educating them on available and desirable coverage options and helping them to determine affordable policies agreements using rates offered by associated providers. The agency works with home owners, renters, and landlords, offering consultation for a variety of coverage areas concerning both single family homes and condominiums. Auto insurance services are also available.

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 (602)
Facebook
4.9 / 5 (71)
Yelp
5.0 / 5 (10)

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

Website
1904 11 Mile Rd, Berkley, MI 48072
  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

The Eagle Rock Insurance Agency is an independent home insurance specialist based in Berkley, Michigan. The agency has supplied home insurance solutions in the Detroit metro area since 1997, providing other insurance protection for motorcyclists, drivers, and businesses. As an independent agent, it scours the policies of its partners to find coverage that meets their client's needs and budget. Home insurance policies typically cover structural damage, including garages and sheds, personal property theft, and liability if a visitor is injured.

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
Google
4.9 / 5 (14)
Facebook
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

Website
48801 Romeo Plank Rd Ste 105, Macomb, MI 48044
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Brian Lane Agency/Farm Bureau Insurance is an independent home insurance agency that has been serving the residents of Detroit, Michigan, since 1998. The company represents insurance carriers to offer policies for covering homes and condos that are customized to clients' needs. These plans cover damage to the home due to fire; storms; and floods, cost of temporary relocation, and bodily harm liability. The agency also sells auto, health, and life 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
Google
4.9 / 5 (76)
Yelp
4.5 / 5 (7)

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

Website
19203 Grand River Avenue, Detroit, MI 48223
  • Multiple Policy Types

Why choose this provider?

John Cash operates a State Farm-affiliated insurance agency located in Detroit. He safeguards families in the community through a comprehensive homeowners' insurance policy that may cover damages from lightning, wind, fire, theft, and vandalism. It can also protect personal items and valuables such as jewelry and instruments. The firm helps policyholders maximize their savings through home and auto policy bundles. Cash and his team prioritize treating their customers like a family.

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.
4.2
Google
4.2 / 5 (28)

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

Website
1535 Sixth Street, Detroit, MI 48226
  • Multiple Policy Types

Why choose this provider?

Diebold Insurance Agency is a family-owned independent agency based in Detroit. It offers homeowners insurance policies that financially protect their property and attached assets against covered disasters. The policies can provide compensation for the cost of rebuilding the home and replacing some lost possessions, as well as living expenses if the client needs to temporarily reside in another accommodation. Liability protection is also covered in cases of injury or property damage to other people caused by the policyholder's household. Diebold Insurance Agency also offers condo 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.
2.3
Google
2.3 / 5 (3)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3028 S Wayne Rd, Wayne, MI 48184
  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Professional Insurance Associates is a Detroit, Michigan-based independent insurance agency which has been active since 1943 and serves clients throughout the entire metro area. It provides home insurance services with policies tailored to a variety of property types including new construction homes, historic properties, modular homes, and condominiums. This full-service agency is adamant about its umbrella policies, which combine home insurance policies with auto and life insurance coverage for lower rates and additional benefits.

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
4.4 / 5 (11)

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

Website
40950 Woodward Ave Ste 340, Bloomfield Hills, MI 48304
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Hudson & Muma Insurance Services is an independent insurance agency located in Bloomfield Hills that has served the Detroit, Michigan, area since 1958. Licensed in 31 other states, the agency offers homeowners, condo, renters, boat, and yacht coverage from trusted insurance carriers. Online claim-filing and payments are available as well as other personal and commercial coverage options. With a philosophy rooted in God, country, and family, Hudson & Muma believes that insurance agents should have honesty, sincerity, and integrity.

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

Website
1007 W Huron St, Waterford, MI 48328
  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Located in Waterford, Michigan, The Huttenlocher Group has provided home insurance solutions since 1918. As an independent agency, Huttenlocher determines clients' needs and creates comprehensive packages with competitive pricing from its select group of underwriters. Home insurance coverage includes protection of the structure itself as well as the items in the home and accidents that occur on the property. Huttenlocher offers other personal insurance services including auto and renters policies.

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
Google
4.8 / 5 (26)
Yelp
5.0 / 5 (22)

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

Website
14227 Greenfield Road, Detroit, MI 48227
  • Homeowners
  • Flood
  • Condos
  • Renter's Insurance

Why choose this provider?

Alpha One Agency helps Detroit area residents ensure financial security for their properties in the event of a disaster. The agency guides homeowners in securing coverage for their assets—including dwellings and other structures such as garages—that are vulnerable to fire, vandalism, wind, and hail damage. Alpha One Agency also helps obtain coverage for personal belongings such as clothing and furniture, as well as liabilities and specialty items. The agency additionally offers coverage assistance for mobile homes.

License Verified:

License: 0128695

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

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

Website
7227 N Genesee Rd, Genesee, MI 48437
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

K.A. Sutton Insurance Agency is an independent insurance agency located in Genesee, Michigan, and serving renters and homeowners in the Detroit, Michigan metro area. The agency offers homeowners insurance policies that cover the physical structure and contents of homes and other structures on a property, as well as additional expenses incurred due to a covered loss. K.A. Sutton Insurance Agency also offers renters, condo, auto, farm, life, and business 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.
4.3
Google
4.3 / 5 (38)

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

Website
2200 Hunt St Suite 471, Detroit, MI 48207
  • Multiple Policy Types

Why choose this provider?

EMI Agency is a risk management specialist that has been serving Detroit and nearby locations for more than a decade. It offers various products, including home, car, life, and health insurance. Its team also furnishes plans for businesses and provides financial and retirement planning services. EMI Agency also serves individuals and businesses in Maryland, Kansas, Missouri, and North Carolina. Its managing broker, Ernie McClellan, has more than 20 years of experience in the insurance industry.

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
Facebook
5.0 / 5 (10)
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

Website
25 N Washington St, Oxford, MI 48371
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Curtis Insurance is an independent agency founded in Oxford, Michigan, over 65 years ago. It specializes in providing home insurance in the Detroit metro area. The agency works with many companies to offer solutions for homeowners and renters. Policies cover all home types and sizes, including condos, mobile, rental, and seasonal. The agency also sells auto, life, health, and pet insurance. It can provide policies for businesses and umbrella insurance to cover assets.

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
Google
4.9 / 5 (43)
Facebook
4.9 / 5 (19)

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

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.
  • Does your homeowners' insurance cover renovations in Detroit?

    Standard homeowners insurance does not provide sufficient coverage for Detroit properties undergoing renovation, and you may need to obtain additional coverage, such as dwellings under construction insurance. This endorsement covers potential risks associated with the construction of your house, such as structural damage, supply theft, soft costs, and premises liabilities. When planning a home renovation, you should review your policy both before and after the project to adjust your protection coverage as needed.

  • When should you update your Detroit homeowners' insurance?

    After making significant changes to your home, update your Detroit homeowners' insurance policy to ensure sufficient coverage for the increased value. Renovations, for example, increase the value of your home and may lower your premiums, whereas a new pet may raise your premiums to cover liability if your pet harms others. Failure to update your policy may result in you being underinsured and having to pay for costly repairs out of pocket.

  • What is not covered in homeowners' insurance in Detroit?

    Earth movement and flood damage are generally not covered by standard homeowner policies and necessitate specialized insurance in Detroit. Destruction caused by pest infestations, mold growth, sewer overflows or backups, wear and tear, and intentional loss are all examples of intentional loss. Acts of war and nuclear disasters are also excluded from coverage.

  • How is homeowners' insurance paid in Detroit?

    The majority of Detroit homeowners pay their home insurance through an escrow account. Purchasers' earnest money deposits at real estate closings are frequently held in escrow until the time comes to surrender yearly premium payments in small installments. Without an escrow account, the homebuyer must pay the policy in full for the first year and the remaining balance through the transaction methods supervised by their insurers.

  • What are some homeowners insurance discounts you may eligible for in Detroit?

    Policy-related discounts are available from Detroit homeowners insurance providers, such as when the applicant paid the policy in full, has multiple premiums with the same agency, or has paid higher deductibles. The house itself has qualities that can be used to obtain discounts, such as whether it was purchased for the first time, if it has been owned for less than 10 years, or if it is equipped with protective devices. Other discounts are homeowner profile-based, and clients 55 and older, non-smokers, with a claims-free history, and a good credit rating may qualify.

  • 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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