Expertise.com
2024

Last updated:

Best Renter's Insurance Companies in Troy

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 Troy Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

36

Reviewed

24

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2328 Livernois Rd. Suite 1040, Troy, MI 48083
  • Home and Auto Insurance

Why choose this provider?

Northwest Agency, Inc., is an insurance service company that provides support to clients in Troy. It guides clients in securing renters', homeowners', and condo insurance, protecting individuals in the event of a disaster. Home insurance covers structures, personal properties, and additional expenses incurred due to the coverage of loss. As an independent agency, this firm represents several insurance carriers that allow its specialists to propose different kinds of products that clients can choose from. Northwest Agency also provides guidance in the choice of life, commercial, auto, and pet insurance.

License Verified:

License: 958693

Michigan Department of Insurance and Financial Services

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 (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
5069 Livernois Rd, Troy, MI 48098
  • Home and Auto Insurance

Why choose this provider?

Lindsay Goebel is an insurance and financial service provider who caters to clients in Troy and nearby areas. She covers renters' insurance and construction home and condominium insurance, along with retirement and legacy planning. Her services also include fine arts, jewelry, life, and automobile insurance. Her service areas extend to Bloomfield Hills, the Charter Township of Oakland, Birmingham, and Rochester Hills. Lindsay is a member of the Rochester Regional Chamber of Commerce.

License Verified:

License: 8172655

Michigan Department of Insurance and Financial Services

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 (136)
Facebook
5.0 / 5 (17)

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
2916 E Long Lake Road, Troy, MI 48085
  • Multiple Policy Types

Why choose this provider?

Jay Munj is an insurance agent who has been providing services through State Farm since 2013. Serving the Troy metro, he offers renters' insurance policies that protect personal property from accidents and theft, provide liability protection, and cover payment for loss of use. He also handles other insurance products, such as pet, health, home, auto, and life coverage. In addition, he assists in fulfilling financial requirements for banking, annuities, and mutual funds. Munj is an Ambassador Travel qualifier and leads a multilingual team.

License Verified:

License: 16665375

Michigan Department of Insurance and Financial Services

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 (63)
Facebook
4.4 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
100 West Big Beaver, Ste 200, Troy, MI 48084
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

North Coast Insurance Services is a company serving both personal and commercial clients in Troy and the surrounding areas. It is locally owned and operated and strives to provide clients with policies that fit their needs and budget. Insurance services available at the company include renters', home, condo, and farm insurance. It also offers auto, life, flood, boat, and classic car insurance. The company's website also provides clients with the option to get quotes in Bengali, Hindi, or Urdu.

License Verified:

License: 9720762

Michigan Department of Insurance and Financial Services

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 (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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2800 Livernois Road, Suite 170, Troy, MI 48083
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

Goodman Venegas Insurance Agency, Inc., serves clients in Troy. It offers renters' insurance that covers the personal belongings and liabilities of policyholders. Its staff has 60 years of combined experience in providing personal and business lines of insurance. It works with several insurance carriers, including Progressive, Chubb, and The Hanover Insurance Group, to provide coverage options that suit the needs and goals of clients. Regina Jessup-Goodman and her partner, Moses Paul Venegas, established the agency in 1997.

License Verified:

License: 1005349

Michigan Department of Insurance and Financial Services

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
2855 Coolidge Highway Rd Suite 204, Troy, MI 48084
  • Multiple Policy Types

Why choose this provider?

Hershey Insurance Agency is an independent insurance firm based in Troy that has been serving families and businesses since 1978. It offers a wide variety of personal, group, and business insurance, including renters' insurance. Its basic tenant or renter policy covers personal belongings, liability claims for bodily injury and property damage, and the medical expenses of non-household members accidentally injured inside the policyholders' properties. In addition to the basic coverage, special packages for valuable articles like artwork and collectibles are available.

License Verified:

License: 959676

Michigan Department of Insurance and Financial Services

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

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 Suite 204, Troy, MI 48084
  • Multiple Carriers
  • Home and Auto Insurance

Why choose this provider?

Members Home and Auto is an insurance agency serving the Troy metro. It provides home and auto insurance solutions to individuals, families, and businesses. The agency offers renters' insurance that covers personal possessions and situations when people get hurt inside the rented property. Its team also assists with car, home, life, and umbrella insurance products. The agency is partnered with numerous insurance companies to provide clients with a wide variety of options.

License Verified:

License: 959676

Michigan Department of Insurance and Financial Services

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
4.8 / 5 (78)
Facebook
3.4 / 5 (6)
Yelp
1.5 / 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

Frequently Asked Questions

  • Does renters' insurance in Troy cover possessions outside the rental property?

    Yes, renters' insurance in Troy covers possessions outside the rental property, providing an additional 10 percent of the total personal property coverage limit. For instance, a policyholder with a coverage limit of $50,000 for personal property would receive $5,000 for lost, damaged, or stolen items anywhere in the U.S. or Canada.

  • How does renters' insurance benefit tenants in Troy if a guest sustains an injury in their residence?

    Renters' insurance in Troy offers medical payment coverage, which benefits tenants by handling the medical expenses for guests injured in the rental premises, regardless of who is at fault. This feature is part of the policy's liability protection, providing financial support and peace of mind to both tenants and their guests in the event of an accident.

  • How does renters' insurance in Troy respond to water damage from burst or frozen pipes?

    In Troy, renters' insurance typically covers water damage caused by burst or frozen pipes, a common issue due to the area's harsh winter conditions. However, it's crucial to note that flood-related damage usually requires a separate policy. Additionally, if a tenant is not residing in the rented property at the time of the incident, they might not be eligible for reimbursement for damaged belongings.

  • How does renters' insurance assist with additional living costs after a disaster in Troy?

    If a Troy resident with renter's insurance incurs additional living expenses due to being displaced from their rental home after a disaster, their policy will cover the additional costs up to a specific limit. For instance, if the insured's usual living expenses amount to $1,000 monthly and post-disaster expenses increase to $1,300, the policy will cover the $300 difference for a duration stipulated in the policy, such as six months.

  • How should tenants in Troy calculate the necessary amount of renters' insurance coverage?

    Tenants in Troy must establish the value of their personal belongings through an inventory to determine the necessary renters' insurance coverage. This process helps renters understand the cumulative value of their items, which often totals more than expected. When reviewing insurance options, one should also note whether the policy offers actual cash value, accounting for depreciation, or replacement cost coverage, reflecting the current retail value.

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