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Best Homeowners Insurance Agencies in Farmington Hills

2024

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Providers

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Website
36524 Grand River Ave Ste B-3, Farmington Hills, MI 48335
  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Why choose this provider?

Eric Steffes is a State Farm insurance agent offering property damage coverage for homeowners in Farmington Hills. Beyond the repairs and replacement cost for a client's dwelling, the company's home insurance program also secures select personal belongings, such as keepsakes, hobby items, and housing or gardening equipment. It covers common natural hazards such as lightning, wind, and hail; sudden instances of fire, theft, and vandalism; and damages from faulty plumbing or HVAC systems. An agent since 1996, Eric services other communities such as Novi, Livonia, and Redford.

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 (16)

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
32781 Middlebelt Road, Farmington Hills, MI 48334
  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

All Forms Insurance is an independent agency that provides homeowners' coverage for clients living in Farmington Hills and nearby counties. Its agents can help clients file claims to cover damages from weather, accidents, or theft. The agency can also review existing policies and add new coverages for medical liabilities and jewelry reimbursement. As added service, it compares the prices and coverages of policy plans from insurance carriers and forwards the information to clients. All Forms Insurance also provides policies for car owners, condominium tenants, and business owners.

License Verified:

License: 0114869

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.
4.2
Google
4.0 / 5 (11)
Yelp
5.0 / 5 (2)

Website
1717 Cass Lake Road, Keego Harbor, MI 48320
  • Renter's Insurance

Why choose this provider?

Complete Insurance Services Inc. was formed by merging two well-established agencies in 1999. It's an independent agency that specializes in finding the best policies for owners of mobile homes. The agency's people have particular experience understanding the unique coverage needs of its clients, such as how their policies cover them across states. Their services also include fully explaining the ins and outs of each policy, what it covers, and what it doesn't.

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
5.0 / 5 (12)
Yelp
4.0 / 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
Friendliness
Helpfulness
Detail

Website
2532 Old US 23, Hartland, MI 48353
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Condos

Why choose this provider?

Hartland Insurance Agency is a local company that offers independent advice to people looking for home insurance that will provide coverage in the event of a disaster, such as a fire or flooding. The agency can find a choice of policies by major insurance companies, such as The Hartford and Travelers. It can also advise clients on their options when insuring valuable personal items, such as jewelry, art, and antiques.

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
Facebook
4.3 / 5 (12)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
30701 West 10 Mile Road, Farmington Hills, MI 48336
  • Fire
  • Multiple Policy Types

Why choose this provider?

Bergstrom Insurance Agency is a family-owned insurance agency based in Farmington Hills that has been serving the metropolitan Detroit area since 1958. It offers dozens of optional coverages for homeowners insurance, and the basic policy provides coverage for owner-occupied homes. Common coverage also includes personal property, other structures, and additional living expenses. Bergstrom Insurance Agency is a member of the Independent Insurance Agents of America. It also offers other personal and commercial lines insurance and church insurance 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.
4.0
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

Website
37000 Grand River Avenue, Farmington Hills, MI 48335
  • Multiple Policy Types

Why choose this provider?

VTC Insurance Group - Farmington Hills is an insurance broker that carries all personal, business, and employees' insurance lines. Its founder, Alan Chandler, possesses 42 years of industry experience. Chandler and his team of professional agents represent reputable carriers such as American Interantional Group, Inc. and Safeco Insurance to provide high-quality policies. They are dedicated to helping families and individuals manage the risks of owning a home through comprehensive insurance coverage. The company also offers umbrella insurance for liability coverage.

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.
4.6
Google
4.4 / 5 (5)
Facebook
5.0 / 5 (1)
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

Website
31600 W 13 Mile Rd #130, Farmington Hills, MI 48334
  • Flood
  • Multiple Policy Types

Why choose this provider?

Conner Insurance Group, Inc., is a full-service insurance company that has been serving Farmington Hills and nearby areas for more than 25 years. Established in 1994, the firm assists homeowners, home buyers, and insurance seekers to protect their homes and personal investments with a homeowners insurance policy. Its independent agents provide several coverage options, including the dwelling, other structures, personal property, liability, medical costs, and additional living expenses. The company also offers property, vehicle, recreation, and business insurance 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 (19)
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
Friendliness
Helpfulness
Detail

Website
33215 Grand River Avenue, Farmington, MI 48336
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Since 1868, Farmington Insurance Agency has been servicing clients in Farmington Hills for their insurance needs. Its homeowners' insurance policies can cover the primary home and additional structures, the home's contents including personal belongings, living expenses and medical costs, and legal liability costs. They also offer coverage for other properties including renters, condos, secondary and seasonal homes, and rental fire insurance. Auto insurance can also be incorporated into the policy which can help clients save money while getting additional protection. The agency represents multiple local and national insurance carriers including Safeco, Progressive, and St. Paul Travelers.

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.
4.5
Google
4.5 / 5 (23)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7011 Orchard Lake Rd Ste 104, West Bloomfield, MI 48322
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Agency Advantage Insurance is an independent agency that can provide its clients with a choice of policies offered by some of the industry's biggest insurers, such as Bristol West and Progressive. The agents routinely assist clients in need of home insurance policies that provide the coverage they need at a price they can afford. They also talk clients through their policies so they can be confident that they're getting the coverage they need.

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 (177)
Facebook
5.0 / 5 (4)
Yelp
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 North Williams Lake Road, Waterford Township, MI 48327
  • Multiple Policy Types

Why choose this provider?

Select Underwriters is an independent agency that focuses on helping clients looking for home insurance get the policies they want and understand what their policies cover and what isn't covered. Based near Farmington Hills, the agency's agents assist clients throughout Michigan. They can offer clients a choice of policies from various carriers, such as Travelers, Foremost, and Hagerty. Additionally, they can help clients find the best life, health, and auto 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
Facebook
5.0 / 5 (8)

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
28003 Center Oaks Court, Wixom, MI 48393
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Allchoice Insurance has been helping clients in Michigan and Ohio find the right insurance policies since the agency started in 1996. The agency can provide competitive quotes for homeowners looking for insurance that protects them against the repair and replacement costs of fires, flooding, and natural disasters, such as storms. Additionally, the agency's agents help clients understand their policies and know what is covered and what isn't. Allchoice Insurance also specializes in condo 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.
5.0
Google
5.0 / 5 (8)

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

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 personal items are excluded from homeowners' insurance in Farmington Hills?

    While a standard homeowners' insurance policy in Farmington Hills covers personal belongings damaged by fire or theft, it excludes items such as jewelry, guns, and silverware. These valuables have separate insurance coverage options. Furthermore, items that pose a risk, such as diving boards, pools, and trampolines, are typically excluded from personal property coverage under homeowners' insurance.

  • Are you required to have your property inspected before obtaining homeowners' insurance in Farmington Hills?

    Yes, many insurance companies require homeowners to have their property assessed before purchasing a new policy. This step aids in identifying issues with the house that may not have been discovered during the home-buying process, such as unstable foundations, roofing issues, or faulty decks. While there are no specific criteria requiring an inspection, insurance companies may insist on inspecting older homes that have not been assessed in the last decade.

  • Are views in your Farmington Hills property covered by homeowners' insurance?

    No, homeowners' insurance in Farmington Hills only covers your home and some of your personal belongings. This includes both the inside and outside of your home. There are times when view ordinances protect homeowners' views. However, these ordinances usually protect views from trees that block them, not from new buildings.

  • What are ways for you to reduce your homeowners' insurance premium in Farmington Hills?

    You can look into ways to reduce your Farmington Hills homeowners insurance premium. Certain insurers provide discounts to homes that have improved security systems and exterior deadbolt locks on all doors. Another option is to combine your homeowners' and auto insurance with a single provider. Alternatively, increasing your deductible can help reduce your premium. Increasing your deductible by $250 to $500 can result in a 5% to 10% reduction in your homeowners' insurance premium.

  • Does homeowners' insurance in Farmington Hills provide coverage for subsidence caused by melted snow?

    No, standard homeowners' insurance in Farmington Hills does not cover subsidence. The abrupt sinking of the Earth's surface caused by the shifting or removal of materials beneath the surface is referred to as subsidence. Earth movement exclusions are common in homeowners' insurance policies. If you have subsidence caused by melted snow, you will need to obtain a separate insurance policy to cover it.

  • 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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