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Best Homeowners Insurance Agencies in Livonia

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Arlington Agency, Inc. logo
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Arlington Agency, Inc.

38145 Plymouth Road, Livonia, MI 48150
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Arlington Agency, Inc., is an independent insurance agency that has been serving individuals, families, and businesses in Livonia since 1971. As an independent agency, it works with several major insurance companies to be able to provide multiple choices of coverage, benefits, and payment options to its clients. It offers homeowners' insurance that protects policyholders from financial losses caused by fire, storms, theft, and other events included in the policy. The also insurance covers structural repairs and replacements.

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 (21)
Facebook
5.0 / 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
Cagwin Agency - Meemic Insurance Company logo
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Cagwin Agency - Meemic Insurance Company

37464 Five Mile Road, Livonia, MI 48154
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  • Multiple Policy Types

Business Description

Cagwin Agency - Meemic Insurance Company is an insurance agency that specializes in auto and home insurance. It has been educating the Livonia community on different insurance coverage and options for over 60 years. The team can customize the homeowners' insurance policy to help clients obtain maximum protection coverage. Additional coverage may include guaranteed home replacement cost coverage and functional replacement costs. Cagwin Agency also offers condo, renters, flood, umbrella, and mobile home 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.
4.7
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
Carla McCormick - State Farm Insurance Agent logo
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Carla McCormick - State Farm Insurance Agent

32626 7 Mile, Livonia, MI 48152
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  • Multiple Policy Types

Business Description

Carla McCormick is an insurance agent with State Farm Insurance who serves Livonia and its surrounding areas. Carla offers State Farm Insurance products, including home insurance policies that can protect a property owner's largest investment from losses that might otherwise lead to financial ruin. Home insurance policies can help homeowners repair or replace their homes and items contained within if disaster strikes. Carla McCormick also provides auto, renters, health, life, and business insurance policies from State Farm.

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
4.7 / 5 (15)

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
Jared Chapman - State Farm Insurance Agent logo
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Jared Chapman - State Farm Insurance Agent

15401 Farmington Road, Livonia, MI 48154
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  • Multiple Policy Types

Business Description

Jared Chapman is a State Farm insurance agent providing services to homeowners and commercial clients in Livonia. His team of agents has 45 years of combined experience in serving the insurance industry. The office creates personalized homeowners' insurance coverages depending on the consumers' preferences and needs. Chapman, who has been working in the industry for over 20 years, is a member of the Livonia Chamber of Commerce. Other insurance products include auto, business, pet, life, and health.

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
4.5 / 5 (15)
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
Juenemann Insurance Agency logo
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Juenemann Insurance Agency

33652 Ford Rd, Westland, MI 48185
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Juenemann Insurance Agency is an insurance company that offers insurance solutions to clients in the Livonia metro and its surrounding areas. The firm provides homeowners' insurance packages that financially protect homeowners from risks and damages caused by natural disasters and losses. Its basic policy covers the entire dwelling structure and its contents. Additionally, the policy can be further expanded to include other detached home structures, like garages, and high-value items, like jewelry, watches, and furs.

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
4.1 / 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
Legacy Partners Insurance Services logo
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Legacy Partners Insurance Services

31300 Plymouth Road, Livonia, MI 48150
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  • Multiple Policy Types

Business Description

Legacy Partners Insurance Services is an independent insurance agency in Livonia dedicated to helping families and individuals make sound financial decisions. With over 10 decades of experience in the industry, its professionals maintain relationships with more than 50 insurance providers to shop and search for comprehensive policies. They can assist homeowners who want to make sure that damage to their property will be compensated in full by their policies. The company also offers group benefit plans for employees.

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 (13)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Metro Agency, Inc. logo
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Metro Agency, Inc.

32646 Five Mile Road, Livonia, MI 48154
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Business Description

Metro Agency, Inc. is a family-owned and operated independent insurance agency that has been serving the home and business community in Livonia since 1959. This company is made up of three generations of family insurance professionals who aim to help its clients protect their largest investment in the event of a loss. Its homeowners insurance policies cover the house, other structures on the property, and personal belongings. It also offers condo owners, renters, and flood 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.
4.7
Google
4.7 / 5 (32)

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
Paul Lee Agency, Inc. logo
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Paul Lee Agency, Inc.

19329 Farmington Road, Livonia, MI 48152
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  • Earthquake
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Fire

Business Description

Established in 1986, Paul Lee Agency, Inc., is a Livonia-based insurance agency offering homeowners' insurance policies that provide its clients with financial protection against unexpected disasters. The policy covers damage to the properties and personal belongings of its clients. It also protects the clients from liabilities in case someone is injured while on their properties. The insurance also covers the cost of repairs for damages due to vandalism. Additionally, it covers the reimbursement for losses due to theft.

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)

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
Warrendale Insurance Agency logo
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Warrendale Insurance Agency

29195 Plymouth Road, Livonia, MI 48150
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Warrendale Insurance Agency is a Livonia-based firm that works with various insurance companies to provide custom home insurance plans. Its insurance specialists help homeowners obtain financial protection for losses, whether due to fire, theft, or non-resident injury claims. They also educate clients on coverage types, such as home or garage repairs, loss of valuables like electronics or jewelry, and living expenses for loss of use. Warrendale Insurance Agency also offers insurance solutions for rental properties, high-value homes, and secondary residences.

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 (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
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.

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