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Best Homeowners Insurance Agencies in Livonia

2024

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Providers

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.7
Google
4.7 / 5 (15)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
5.0
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

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

Why choose this provider?

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.
4.8
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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.1
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

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

Why choose this provider?

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.
4.6
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

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.
  • Is homeowners' insurance required for individuals who finance their properties in Livonia?

    Yes, for those opting to finance their homes in Livonia, securing homeowners' insurance is more than a recommendation—it's an imperative. Lenders enforce this policy to protect their financial commitments in real estate. If homeowners waiver in this commitment, the lender acts, deploying "force-placed insurance," ensuring that their vested interests in the property stay intact and uncompromised. Homeowners without financing can opt out of homeowners' insurance, but they bear the full risk of potential damages.

  • What options do Livonia residents have if they're declined homeowners' insurance by regular providers?

    Residents of Livonia who have been denied homeowners' insurance can turn to the Michigan Basic Property Insurance Association. Often called the "insurer of last resort," this association grants coverage to homeowners struggling to find it in the regular market. Any licensed property or casualty insurance agent can assist in the application process.

  • What is the difference between "actual cash value" and "replacement cost" for Livonia homeowner's insurance policyholders?

    For Livonia homeowner's insurance policyholders, "actual cash value" is the item's replacement cost minus depreciation. For instance, a decade-old TV might have an actual cash value of around $50 after accounting for wear and tear. Conversely, "replacement cost" is the present-day expense to replace that TV with a similar model, typically much more than the depreciated $50. In essence, the replacement cost doesn't factor in depreciation, while actual cash value does.

  • Do homeowner's insurance policies cover damage caused by pests in Livonia?

    Homeowners' insurance doesn't generally guard against pest-related damages. While these plans aim to shield residences and valuables, they aren't without exclusions. It's vital for property owners to recognize these gaps. Being informed about what's omitted lets Livonia dwellers fine-tune their coverage, ensuring a well-rounded defense for both their homes and belongings.

  • Does standard homeowners' insurance in Livonia cover musical instruments?

    Standard homeowners' insurance generally covers musical instruments but not when used for paid performances. Livonia residents can either add to their existing policy or secure a separate one for their instruments for more extensive protection. Enhanced options typically offer coverage against a broader range of hazards than the basic package. One can determine if they need extra coverage by taking an inventory of their instruments and assessing their value.

  • 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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