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Best Homeowners Insurance Agencies in Troy

2024

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Providers

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.4
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

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

Why choose this provider?

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

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

Why choose this provider?

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

Website
2855 Coolidge Highway, Troy, MI 48084
  • Fire
  • Flood

Why choose this provider?

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.
4.9
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

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

Why choose this provider?

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.
4.6
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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.9
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

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

Why choose this provider?

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
Google
4.0 / 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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.8
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.
  • Are the residents of Troy required to be covered by homeowners' insurance?

    No, the residents of Troy are not required to be covered by homeowners' insurance. No legislation requires that houses be insured, though it is practical to be so. The area is prone to adverse weather conditions like heavy rainfall, and every house will inevitably need repairs, making insurance useful.

  • When should residents of Troy start shopping around for homeowners' insurance?

    Residents of Troy should start shopping around for homeowners' insurance when the contract to buy the house is signed. This is the time to collect and select quotes and weigh the pros, cons, coverages, and exclusions of several assurance products to come to an informed decision as to which one to choose.

  • How are homeowners' insurance costs determined in Troy?

    Homeowners' insurance costs are determined in Troy by collating external data and personal information. Insurers look at the insured party's past history for making claims and paying debts on time. The local crime rates in the surrounding area and the proneness to natural disasters are examined to gauge how risky insuring the property would be.

  • In Troy, what is the correlation between deductibles and premium payments in homeowners' insurance policies?

    In Troy, having more deductibles lowers the amount the homeowner has to pay to have a house insured. Deductibles refer to the costs an insured has to pay out-of-pocket, so the more of these there are, the less the insurer has to pay. As a result, the insurer will also demand less in premiums.

  • Do standard homeowners' policies in Troy fully extend coverage to valuables like jewelry, collectibles, and fine art?

    No, standard homeowners' policies in Troy do not fully extend coverage to valuables like jewelry, collectibles, and fine art. Usually, these would be excluded outright or the insurable limit is lower than the full value of the asset. There are options to fully cover these personal properties through optional plans.

  • 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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