Expertise.com

Best Homeowners Insurance Agencies in Troy

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
Doeren Mayhew Insurance Group logo
Visit WebsiteWebsite

Doeren Mayhew Insurance Group

305 West Big Beaver Road, Troy, MI 48084
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Doeren Mayhew Insurance Group is a firm that caters to residents around Troy that seek assistance in safeguarding their homes and properties in cases of unpredictable situations. The agency works to secure coverage for homes impacted by damages or losses driven by incidents such as fire, water damage, hail, or vandalism. Doeren Mayhew Insurance Group also helps clients identify suitable insurance policies for medical expenses, injury liabilities, and temporary living expenses. The firm has been in operation since 1884.

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 (39)

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
E&Y Agency, LLC logo
Visit WebsiteWebsite

E&Y Agency, LLC

888 West Big Beaver Road, Troy, MI 48084
Visit WebsiteWebsite
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

E&Y Agency, LLC., offers insurance products and services to residents and business property owners in Troy and the rest of the region. Its independent insurance agents help clients survey multiple insurance carriers for the most suitable homeowners' insurance policy—according to the clients' coverage needs and their desired rates. The policy is available for a range of private residences including detached houses, apartments, and condominiums. Some of the insurance companies the agency collaborates with are Liberty Mutual, Progressive, Safeco Insurance, and Travelers Insurance Group.

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 (254)
Yelp
5.0 / 5 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
InPro Insurance Group logo
Visit WebsiteWebsite

InPro Insurance Group

2095 East Big Beaver Road, Troy, MI 48083
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

InPro Insurance Group is an independent agency located in Troy. The business has been helping customers craft insurance solutions since 1973. Its team of professionals offers homeowners' insurance to help clients recover from liability and property losses. The home insurance coverage includes claims, such as vandalism, theft, windstorm, and fire. The insurance agents also provide life and health, umbrella, toys, and auto insurance programs. Some of the company's insurance carriers include Accident Fund, American Modern, and Berkshire Hathaway.

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
4.6 / 5 (9)
Facebook
4.5 / 5 (3)
Yelp
4.5 / 5 (3)

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
JPS Insurance Agency logo
Visit WebsiteWebsite

JPS Insurance Agency

1111 West Long Lake Road Suite 201, Troy, MI 48098
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

JPS Insurance Agency is an independent insurance agency from Troy. They write customized homeowners insurance policies that are tailored to meet the specific needs of clients. The insurance covers the payment for losses to the home and belongings inside due to fire, storm, theft, or another event specified in the policy. If a non-resident gets injured while on the property, the policy will also protect the homeowner from personal liability. JPS Insurance Agency also provides solutions for business insurance, auto insurance, and life 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.
4.8
Google
4.5 / 5 (15)
Facebook
4.0 / 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
K Mathes Insurance logo
Visit WebsiteWebsite

K Mathes Insurance

23333 Gratiot Avenue, Eastpointe, MI 48021
Visit WebsiteWebsite
  • Condos
  • Renter's Insurance
  • Personal Property Insurance

Business Description

K. Mathes Insurance is an agency offering homeowners insurance policies to clients in the Troy metro area. This agency can assist those looking for comprehensive policies and help them to purchase said policies from a variety of carriers after comparing available rates. It helps clients to ensure that they're covered for repair or replacement costs of their properties and that their personal belongings will be replaced if destroyed. K. Mathes Insurance can insure cars 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.
4.7
Google
4.8 / 5 (17)
Facebook
5.0 / 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
Mason-McBride Inc. logo
Visit WebsiteWebsite

Mason-McBride Inc.

3155 W Big Beaver Rd Suite 125, Troy, MI 48084
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Mason-McBride Inc. offers a full range of insurance services from its Troy office. Included in its line of policies is home insurance. The agents assist homeowners in acquiring various homeowners' insurance coverages including scheduled personal property coverage, personal property coverage, personal liability coverage, and dwelling coverage. Another coverage type protects structures that are detached from a homeowner's property such as sidewalks, driveways, garages, and sheds. Mason-McBride Inc. is licensed in 26 other states including New York, Arizona, California, and Colorado.

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.
4.0
Google
3.7 / 5 (3)
Facebook
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
Members Home and Auto logo
Visit WebsiteWebsite

Members Home and Auto

2855 Coolidge Highway, Troy, MI 48084
Visit WebsiteWebsite
  • Fire
  • Flood

Business Description

Members Home and Auto sells homeowners insurance coverage to clients throughout the Troy metro area. This company can help clients to deal with a multitude of issues as they shop for and attempt to purchase homeowners insurance policies. It offers full coverage for a variety of scenarios such as storms, fires, vandalism, or utility issues. Members Home and Auto also accepts claims and submits them to insurance carriers. Auto insurance is offered here too.

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
4.9 / 5 (70)

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
Phil Thomas Jr - State Farm Insurance Agent logo
Visit WebsiteWebsite

Phil Thomas Jr - State Farm Insurance Agent

38853 Harper Avenue, Clinton Township, MI 48036
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Phil Thomas Jr., State Farm Insurance Agent, is a branch office of State Farm offering homeowners insurance coverage. Agent Phil Thomas Jr. advises clients on their coverage options and works on behalf of them as they shop through and purchase plans that protect them from financial loss if their homes or connected assets are damaged. This agency also sells coverage to clients who are renters and need personal property coverage. Life and auto insurance policies are available here.

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.
4.0

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
Signature Insurance logo
Visit WebsiteWebsite

Signature Insurance

3250 West Big Beaver Road, Troy, MI 48084
Visit WebsiteWebsite
  • Multiple Carriers
  • Multiple Policy Types
  • Bundling Option
  • Personal Property Insurance
  • Personal Property Insurance

Business Description

Signature Insurance, an independent agency with offices in Warren and Troy, has provided services since 2006. Signature partners with insurance companies like AAA, Progressive, Westfield, and Nationwide, to help clients obtain coverages most suitable for their needs. It offers assistance in getting home, auto, rental, and boat insurance, as well as life and liability protection plans. Signature agents look for ways to meet customers’ needs and serve them in a friendly and professional manner.

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
5.0 / 5 (87)
Facebook
4.7 / 5 (38)

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
Sweet Insurance Agency logo
Visit WebsiteWebsite

Sweet Insurance Agency

30100 Telegraph Road, Bingham Farms, MI 48025
Visit WebsiteWebsite
  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire

Business Description

Sweet Insurance Agency sells homeowners insurance policies near Troy to clients that need various levels of coverage for their homes and furnishings. Its agents explain the types of coverage offered in these package policies and evaluate each client's circumstances to make recommendations about the amount and type of coverage they need. Sweet Insurance Agency also responds to any needs that clients have pertaining to making claims or resolving issues with their insurance carriers.

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
4.2 / 5 (5)
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
Troy - Metro Agency logo
Visit WebsiteWebsite

Troy - Metro Agency

2032 E Square Lake Rd Ste 300, Troy, MI 48085
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Troy Metro Agency sells homeowners insurance and enables clients to select from quotes offered by a variety of carriers. Its agents can help clients solve any problems they have while shopping for insurance and they provide information on the meanings of terms as well as coverage options for properties and personal items. Troy Metro Agency also sells condo insurance and offers renters insurance coverage as well. Other insurance focus areas include auto insurance and boat 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
4.5 / 5 (38)
Facebook
5.0 / 5 (26)

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
Uniforce Insurance Agency logo
Visit WebsiteWebsite

Uniforce Insurance Agency

13854 Lakeside Circle, Sterling Heights, MI 48313
Visit WebsiteWebsite
  • Fire
  • Multiple Policy Types

Business Description

Uniforce Insurance Agency does business in the Troy metro area and sells homeowners insurance packages to protect clients from financial loss if their properties are destroyed by natural disasters, fires, or other issues. Agents are available to provide clients with help throughout the process as they look for insurance plans that fit their needs at rates they can afford. Policies typically cover dwellings, personal items, and liabilities as well as temporary living expenses and medical bills.

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
Facebook
5.0 / 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
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.

Read all FAQs