Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Macomb

Our Recommended Top 7

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 Macomb 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.

56Reviewed

36Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8790 23 Mile Road, Shelby Township, MI 48316

Expertise.com Rating

Review Sources

Facebook
5.0 (32)
Google
5.0 (18)

Why choose this provider?

Denise Mansfield, a Farm Bureau insurance agent, secures the families and properties of homeowners in Macomb and the neighboring communities. The homeowners' insurance agency protects the physical structures of a client's home and its contents from damages caused by accidents and natural calamities. It also covers properties from the destruction caused by theft and vandalism. In addition, the insurance can cover the expenses to pay for damage to another property or for the medical expenses of a person injured in the client's property.

  • Multiple Policy Types

16624 24 Mile Road, Macomb, MI 48042

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
5.0 (2)

Why choose this provider?

John Burke Agency - Meemic Insurance Agent provides home insurance to individuals and families in and near Macomb. Burke assists homeowners in creating tailored insurance plans that offer coverage for home replacement costs, scheduled personal property, and liabilities. With a focus on serving educators, Meemic is an agency established by teachers more than six decades ago. A Meemic agent for more than 20 years, Burke was named the Meemic Pacesetter in 2019.

  • Multiple Policy Types

47047 Romeo Plank Road, Macomb, MI 48044

Expertise.com Rating

Review Sources

Facebook
4.0 (3)
Google
5.0 (1)

Why choose this provider?

Founded in 1866, Huntington is a full-service banking provider offering insurance products to clients living in Macomb and the surrounding areas. The company provides home insurance to individuals who want to financially protect their properties and other investments. Its staff seeks to find coverages that can properly address clients' insurance needs. The banking business also has comprehensive insurance plans that cover traditional houses, mobile homes, and condominiums. Families with homeowners' insurance are protected from liabilities and financial losses.

  • Multiple Policy Types

21250 Hall Road, Clinton Township, MI 48038

Expertise.com Rating

Review Sources

Google
4.8 (55)
Yelp
5.0 (3)

Why choose this provider?

Brian Lane Agency of Farm Bureau Insurance is an insurance agency that services the Macomb metro. The agency offers homeowners' insurance policies that protect home dwellings, related structures, and personal belongings from damage. The policies also cover expenses caused by damage to other properties, as well as injuries to house guests who may encounter an accidents within the property. The company is committed to delivering tailored insurance solutions that suit the clients' needs.

  • Multiple Policy Types

273 Cass Avenue, Mount Clemens, MI 48043

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

Macomb-Gerlach Agency, Inc., is a full-service insurance company that has been serving the Macomb metro area for more than 150 years. The firm assists individuals and families in ensuring their homes and personal investments against disasters with a homeowners insurance policy. Its agents evaluate the coverage needs of their clients and match them with the right insurance carrier. Its homeowners policies cover the dwelling and other structures, personal property, and additional living expenses due to home damage. Other offerings include auto, life, and business insurance plans. The firm also serves clients throughout Michigan.

  • Multiple Policy Types

51098 Romeo Plank Road, Macomb, MI 48042

Expertise.com Rating

Review Sources

Google
5.0 (72)

Why choose this provider?

Justin Ables is a State Farm insurance agent catering to homeowners, renters, and condominium owners in Macomb and the surrounding areas. Since 2016, Ables has been addressing insurance concerns for home, auto, property, health, and business. The agent is open to provide services 24/7 to clients wanting to protect their homes, keepsakes, furniture, appliances, clothing, electronics, and other tools. Homeowners' insurance covers various types of threats from natural disasters, random acts, and accidents.

  • Multiple Policy Types

39200 Hayes Road, Clinton Township, MI 48038

Expertise.com Rating

Review Sources

Google
4.3 (31)

Why choose this provider?

Global One Insurance Agency offers insurance policies to Macomb residents to help protect their investments. The agency's homeowners' insurance comes with a wide range of liability and property coverage. Its team of professional agents helps clients find the right policy that will suit their lifestyle and budget. They also have renters' insurance for tenants. Founded in 2010, Global One Insurance Agency is affiliated with various insurance companies, such as American Financial Group, Foremost, Progressive, and Safeco Insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

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.
  • Who are the people in Macomb who are ineligible for homeowners' insurance under Michigan law?

    Under the Michigan laws used in Macomb, anyone who has been found guilty in the past five years of consummated or attempted arson cannot obtain homeowners' insurance. This ban extends to those who have a record of destroying property or using explosives for the same period. Being two years overdue on real estate taxes is also a disqualifier.

  • Does the law in Macomb require citizens to obtain homeowners' insurance?

    No, the state law applicable in Macomb does not require citizens to be covered by homeowners' insurance products. It is common, however, for mortgage lenders to require this to protect their interest in the home and the usability of the dwelling as collateral while the loan subsists. Mortgagors will often buy the plan and charge the premiums to the borrower.

  • Is it possible for a homeowners' insurance plan in Macomb to extend coverage beyond the dwelling home?

    Yes, it is possible for a homeowners' assurance plan in Macomb to cover more than that dwelling home. It is possible to negotiate contract terms that extend the scope of the plan to attached structures and buildings and to the personal properties stored inside the house and nearby installations.

  • Why is it advantageous in Macomb to pick a homeowners' insurance agent who is independent?

    A homeowners' insurance agent in Macomb who is independent has a wider range of choices available for mixing and matching to find the ideal combination of assurance products. These professionals do not need to stick to any single provider or set of providers since they have no exclusivity deals with any single entity.

  • Is it advisable to bundle several insurance products together in Macomb instead of just buying homeowners' insurance alone?

    Yes, it is advisable to bundle several insurance products together in Macomb instead of just buying homeowners' insurance alone. This allows the purchaser to obtain multiple types of coverage at reduced rates for each product. For example, buying car insurance along with a homeowners' assurance product results in savings of $119 to $239.

  • 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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