Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Michigan

Our Recommended Top 13

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 Michigan 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.

5670Reviewed

3407Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Flint

Why choose this provider?

Blackmore Rowe Insurance is a family-owned independent agency that serves clients throughout Michigan. It offers the best homeowners' insurance policies that include a wide variety of coverage, including structural damage, personal property, additional living expenses, personal liability, fire damage, and off-premises theft. It also extends its protection to high-valued possessions like art, jewelry, collectible cars, and wine collection. Its agents handle other personal insurance products, covering renters, condos, mobile homes, and vacant dwellings. The company has been in operation since 1915.

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
Facebook
4.5 / 5 (28)
Google
4.4 / 5 (27)
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
Troy

Why choose this provider?

E&Y Agency, LLC, is an independent broker providing the best insurance solutions to Michigan residents. Its agents compare quotes from various carriers and offer the most affordable homeowners' policies, protecting clients' homes and their possessions from damage or theft. In addition, the company handles other insurance products, including life, health, truck, and auto. It also caters to commercial clients, covering workers' compensation, general liability, and business vehicles. Regarded as the best insurance company in the state, E&Y Agency is a member of the Michigan Association of Insurance Agents.

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
Flushing

Why choose this provider?

Michigan's leading agency Bois Insurance is a fourth-generation family-owned business that has been delivering the best policies in the state since its establishment in 1919. It offers homeowners' insurance plans covering property damage and personal liability. It also handles other products, such as life, health, recreational vehicle, and auto coverage. Additionally, its agents cater to commercial clients, providing general liability, commercial auto, and workers' compensation insurance. As an independent agency, Bois Insurance works with various carriers like Pioneer State Mutual, Progressive, and Accident Fund.

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
Sterling Heights

Why choose this provider?

Envision Insurance is a local business that provides the best risk mitigation services throughout Michigan. Its homeowners' insurance plans include dwelling, additional living expenses, personal property, and guest medical coverage options. The company's policies for homeowners extend to high-value possessions, such as gun collections, jewelry, and expensive electronic equipment. As an independent agency, Envision partners with carriers like American Modern, Safeco, and Foremost to offer customizable personal, group, and commercial insurance programs to its clients.

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 (607)
Facebook
4.7 / 5 (48)

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
Jenison

Why choose this provider?

Ottawa Kent is the best independent agency that offers insurance and risk management solutions to individuals and businesses in Michigan. Its advisors compare homeowners' plans from various insurance carriers to provide the best coverage, protecting clients from financial costs from personal liability, property damage, personal injury, medical expenses, and loss of use. Its policies also cover renters, condominiums, mobile homes, and rental properties. The company represents more than 20 high-net-worth insurance providers. Its team has an average of 25 years of experience in the 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.
4.8

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.
4.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Mount Clemens

Why choose this provider?

Macomb-Gerlach Agency, Inc., has been providing the best insurance plans in Michigan for more than 150 years. Its policies for homeowners cover their property's physical structure, personal belongings, and additional living expenses. It offers personal liability coverage to safeguard clients against legal responsibility for injuries sustained in their homes. Macomb-Gerlach's team handles other personal and commercial insurance products and manages notary and probate bonds. The agency is a member of the Michigan Association of Insurance Agents.

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
Google
4.7 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Ann Arbor

Why choose this provider?

Preferred Insurance Network is a family-owned company that has been providing services in Michigan since 1988. It offers the best homeowners' policies and handles other personal products, such as renters', landlord, condo, individual life and health, and recreational vehicle insurance. Its agents also assist businesses in choosing various coverage options, including management liability, employee benefits, and risk solutions. Preferred Insurance Network operates as an independent agency and works with carriers like Travelers, Safeco, The Hanover, and General Casualty.

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
Facebook
4.5 / 5 (12)
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
Grand Rapids

Why choose this provider?

Doug Zuidema has been an insurance agent for State Farm since 2011. His firm operates as the best in Michigan, offering personal and commercial lines of insurance to clients in the state. He helps clients protect their dwellings by finding the best coverage options. He crafts homeowners� policies that underwrite damaged structures and stolen belongings like appliances, furniture, and clothing. In addition, the policies provide liability protection for lawsuits related to property damage and personal injuries sustained by third parties within the policyholders' premises.

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

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
Canton

Why choose this provider?

Loyalty Insurance is a local independent agency that caters to individuals in businesses throughout Michigan. It offers the best homeowners' insurance policies that protect clients from financial loss due to personal property theft, vandalism, liability, fire or smoke damage, and natural disasters like windstorms and hail. It also provides an option to extend its coverage to scheduled properties, including jewelry, fine arts, bicycles, cameras, and musical instruments. Loyalty Insurance has managed more than 10,000 accounts since its establishment in 1992.

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

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
Grand Rapids

Why choose this provider?

Aspen Insurance Group is an independent company that provides services to clients in Michigan. It offers the best home insurance policies, securing financial protection against fire or natural disasters, property damage, personal liability for injuries within the property, and loss of personal belongings. It also handles other products, such as life, boat, motorcycle, recreational vehicle, umbrella, and business insurance. Aspen Insurance Group works with different carriers to personalize coverage, including Liberty Mutual, Foremost, The Hartford, and MetLife.

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

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
Grand Rapids

Why choose this provider?

Warsen Insurance is a family-owned company that has been serving clients in Michigan since 1949. It offers the best insurance policies in the state, including homeowners', auto, boat, and motorcycle insurance. Its agents assist in choosing various coverage options for life, disability, and long-term care plans. In addition, the company provides auto, general liability, property, and workers' compensation coverage to small businesses and specific industries like manufacturing, restaurant, and brewery and distillery. Warsen Insurance works with Michigan Insurance Company and Progressive as an independent agency.

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 (42)
Facebook
5.0 / 5 (25)

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
Lansing

Why choose this provider?

The Rathbun Agency has been offering risk management services and financial solutions to clients throughout Michigan since 1956. It provides the best homeowners' policies in the state and handles other personal coverage, including renters', condo, and landlord insurance. The company worked with various insurance carriers as an independent agency. Its president, Ben Rathbun, holds the Chartered Property Casualty Underwriter and Accredited Adviser in Insurance designations. He was named the Young Agent of the Year by the Independent Insurance Agents and Brokers of America in 2020.

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

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
Meridian charter Township

Why choose this provider?

Kirk Byrens is a State Farm Insurance Agent who provides services to clients in Michigan. He offers the best homeowners' insurance coverage in the state. The policy protects clients from financial loss caused by personal liability in accidents within the property, damage from natural disasters, and loss of personal belongings like musical instruments, jewelry, and furniture. In addition, he helps select coverage options for health, life, auto, pet, and business insurance products. Byrens also addresses financial needs through State Farm's banking solutions.

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

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.
  • 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.

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