Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Grand Rapids

Our Recommended Top 14

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 Grand Rapids 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.

123

Reviewed

79

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3140 3 Mile Rd NE, Grand Rapids, MI 49525
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Thum Insurance is a family-operated agency that serves clients in Grand Rapids. Since its establishment in 1990, the firm has been offering a range of personal and commercial lines of insurance products. These include coverage for homeowners to protect their homes and belongings from unexpected damages. The homeowners' insurance also covers the policyholder and their family from lawsuits filed against them. In addition, the agency insures rental spaces, vacant dwellings, seasonal residences, and manufactured homes.

License Verified:

License: 7144034

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.
4.3
Google
4.3 / 5 (57)
Facebook
4.4 / 5 (10)
Yelp
1.0 / 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
2180 44th St Se #203, Kentwood, MI 49508
  • Multiple Policy Types

Why choose this provider?

Averson Insurance Agency serves individuals and families in Grand Rapids and the nearby communities. The independent agency specializes in auto and home insurance, offering multiple plan options to clients seeking to protect their properties against various risks. The company is affiliated with Safeco Insurance, Foremost Insurance Group, Progressive, AAA: Independent Insurance Agent, Encompass, and Nationwide. It aims to make shopping for auto and home insurance easy by reaching out to customers through different channels, such as online, by phone, or in-person appointments.

License Verified:

License: 11159498

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.
4.8
Google
4.8 / 5 (20)

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
1025 Spaulding Avenue Southeast, Grand Rapids, MI 49546
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Weadock & Associates LLC serves clients throughout the Wyoming metro area and provides homeowners insurance services. Its agents consult clients to find out their needs and guide them through the insurance purchase process while assessing their assets to provide price estimates. Weadock & Associates LLC typically sells coverage to protect homeowners from losing money when properties are damaged or destroyed, or when sued because of guest injuries. This agency sells health insurance and disability plans as well.

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

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
5075 Cascade Rd SE 2A, Grand Rapids, MI 49546
  • Homeowners

Why choose this provider?

Draft Aspen Insurance Group provides service to clients in Grand Rapids and the surrounding areas. It specializes in helping individuals apply for homeowners' insurance products to protect their personal belongings and loved ones from damages and injuries inside their homes. It also offers homeowners' insurance policies that allow clients to reimburse their expenses from theft, vandalism, or repairs. The company is also available for automobile, business, and commercial insurance services. Aspen Insurance Group is an independently owned insurance company.

License Verified:

License: 8997357

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.
4.9
Google
4.9 / 5 (56)
Facebook
5.0 / 5 (36)
Yelp
3.0 / 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
7472 Main Street, Jenison, MI 49429
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Ottawa Kent is a risk management company serving the Grand Rapids area. It has been protecting clients for over 40 years. The company offers homeowners' insurance to protect clients against property damage from theft and other catastrophic incidents. Defamation is also covered. The agency provides coverage and risk management services for automobiles and businesses of different kinds. It takes a consultative approach, aiming to engage closely with clients in order to assist them in making crucial and well-informed decisions about their protection needs and future.

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 (20)
Facebook
5.0 / 5 (20)

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
225 Hastings St NE, Suite D, Grand Rapids, MI 49503
  • Multiple Policy Types

Why choose this provider?

Cassidy Cvanciger is a State Farm insurance agent that has been serving Grand Rapids for more than a decade. She educates individuals and families about a wide range of homeowners' insurance coverage options to help them in making well-informed decisions. The customizable solutions include protection from financial losses caused by circumstances like theft, fire, and liability. In addition to providing assistance with banking and annuities, Cvanciger offers life, business, and pet insurance. Her team includes two furry members that clients can meet in the office.

License Verified:

License: 16822820

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.
4.8
Google
4.8 / 5 (88)
Facebook
5.0 / 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

Website
6983 S Division Avenue, Grand Rapids, MI 49548
  • Multiple Policy Types

Why choose this provider?

The Dan Charles Agency Inc. has been offering insurance to clients in Grand Rapids since 1982. Homeowners can get protection for their properties from damage caused by fire, flooding, and natural disasters. The firm's policy also provides compensation for theft and vandalism, along with injuries inside the home. In addition, clients can get policies for rental properties, businesses, and vehicles like cars, boats, and RVs. Chief executive officer Dan Charles Sr. has more than three decades of industry experience.

License Verified:

License: 2761844

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.
4.6
Google
4.4 / 5 (20)
Facebook
5.0 / 5 (8)
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
2032 Lake Michigan Drive N.W., Grand Rapids, MI 49501
  • Homeowners

Why choose this provider?

Mapes Insurance Agency is an independent business that has been serving Grand Rapids since 1918. It educates homeowners about insurance options and coverage available depending on their needs and circumstances. A homeowners' insurance policy can cover damages from water or sewage backups and replacement costs. In addition to handling surety bonds, the agency also provides businesses an analysis of their insurance needs, design of a protection program, and periodic reviews of the insurance coverage.

License Verified:

License: 958351

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.
4.8
Google
4.8 / 5 (18)

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
1626 Leonard Street NW, Grand Rapids, MI 49504
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Doug Zuidema has been a State Farm insurance agent since 2011. He provides a varied range of policies to the residents of Grand Rapids and the surrounding areas. He offers an array of life and non-life policies, including home, condominium, and renters' insurance. Automobile insurance products are also offered. In addition, he assists with obtaining banking and mutual fund investment contracts. The agent is also bilingual and can converse with both English and Spanish speakers.

License Verified:

License: 0521869

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.
4.6
Google
4.7 / 5 (60)
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1971 E. Beltline Ave NE, Suite 222, Grand Rapids, MI 49525

Why choose this provider?

Compass Insurance Agency Knapps Corner offers home insurance products to residents of Grand Rapids. The firm's policies protect clients against contingencies such as fires, natural calamities, and thefts. Homeowners are also protected in cases of injury suits arising from accidents on their property. In addition, the business provides bundled home and automobile insurance contracts. The business is partnered with 20 of its trusted insurance providers in the state and across the country. It also provides life insurance coverage.

License Verified:

License: 16611037

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.
5.0
Google
5.0 / 5 (14)

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
3351 Claystone SE Suite G-19, Grand Rapids, MI 49546
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Burr & Company is a full-service agency that offers customized insurance solutions to clients in the Grand Rapids metro. It helps clients protect their homes by providing homeowners' insurance coverage. The agency partners with different companies to give clients products that fit their needs. It also assists homeowners with high-value houses, art collections, and jewelry and provides coverage for their valuables. The firm provides other personal insurance products, such as auto, boat, motorcycle, and umbrella insurance. The firm has been helping clients for more than five decades.

License Verified:

License: 959204

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.
4.6
Facebook
4.8 / 5 (32)
Google
4.2 / 5 (20)

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
2000 Oak Industrial Dr. NE Ste. B, Grand Rapids, MI 49505
  • Renter's Insurance
  • Condos

Why choose this provider?

Coldbrook Insurance Group LLC is an agency that offers homeowners' insurance policies in the Grand Rapids metro. The insurance plans cover condominiums, rental dwellings, vacant homes, high-end luxury houses, and farms. It also provides insurance policies for classic and antique vehicles, motorcycles, and utility trailers. Currently, the firm handles $4 Billion worth of condominium property insurance. Coldbrook Insurance Group provides niche-specific programs for community associations, physician's practice, tool and die shop industries, and auto dealerships.

License Verified:

License: 0102358

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.
4.8
Google
4.6 / 5 (9)
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
1700 E Beltline Ave NE Suite 120, Grand Rapids, MI 49525
  • Multiple Policy Types

Why choose this provider?

Blackwell Insurance Services offers coverage to individuals in the Grand Rapids metro who are homeowners. The insurance company helps cover losses and damages done upon residential properties, including the homeowner's assets. Damages covered by homeowners' insurance include those resulting from fire, theft, vandalism, and weather conditions. The firm's agents work with homeowners to determine the appropriate insurance needed, collaborating with companies to provide these insurance products. Blackwell insurance Services' agents also offer business, life, and health policies.

License Verified:

License: 3414646

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.
4.8
Google
4.8 / 5 (45)
Facebook
4.8 / 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.
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.
  • Can you add extra coverage to your homeowners' insurance policy in Grand Rapids during the term?

    Yes. You have the option to enhance your homeowners' insurance coverage in Grand Rapids by purchasing additional coverage through your insurance provider. However, these changes might result in adjusted premiums. To explore these options and make additions to your policy during its term, it is highly advisable to communicate with your insurance agent.

  • Can your insurance company cancel your policy in the middle of the term in Grand Rapids?

    Yes. Your homeowners' insurance policy in Grand Rapids could be terminated or not renewed during its term due to various factors. These factors might involve missed payments, shifts in underwriting standards, or alterations in the property's condition. If you are facing cancellation or nonrenewal, you may have the option to challenge the cancellation by modifying aspects of your home or policy to meet the insurer's requirements and maintain your coverage.

  • What should you do to file a homeowners' insurance claim in Grand Rapids?

    When you experience a loss and need to make a homeowners' insurance claim in Grand Rapids, it is important to quickly reach out to your insurance company. You should provide this notification in writing or by making a phone call to your insurer. This action starts the claims process and gets things started. Your insurance company will then assign a claim representative to handle the case.

  • Can you negotiate a claim settlement with your insurance company in Grand Rapids?

    Yes, you can negotiate a claim settlement in Grand Rapids. However, strong evidence is essential to validate your claim, as the insurer often aims to minimize payouts. Obtaining the services of a lawyer enhances the chances of attaining a more substantial settlement. Typically, the process concludes either with an agreement or the possibility of a trial.

  • How can you lower your homeowners' insurance premiums in Grand Rapids?

    To lower your homeowners' insurance premiums in Grand Rapids, you may compare available options from different providers, regularly review and adjust your policy's coverage, and consider bundling home and auto policies to potentially save five to 15%. You should also strengthen your home against disasters and enhance security with measures such as reinforced structures and advanced alarms.

  • 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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