Expertise.com

Best Homeowners Insurance Agencies in Warren

2024

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Website
23333 Gratiot Avenue, Eastpointe, MI 48021
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Why choose this provider?

Founded in 1950, The K Mathes Insurance - Meemic Insurance Company addresses the homeowner's insurance needs of individuals residing in Warren and the surrounding areas. The agency caters to professors, teachers, educational employees, and the educational community. The agents offer customized insurance protection plans that cover expenses such as home replacements, scheduled personal property, jewelry and silverware, and even computers. The business can also replace old houses built before the year 1940.

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
4.4 / 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
11543 East 12 Mile Road, Warren, MI 48093
  • Multiple Policy Types

Why choose this provider?

L.A. Insurance provides financial services for Warren residents. The agency assists clients with multiple insurance products including motor home insurance. Its team customizes motor home insurance policies that may include collision coverage, vacation liability coverage, uninsured motorist coverage, and pet injury coverage. The insurance professionals also offer plans that include roadside assistance and compensation for medical expenses. The company provides policies from various insurance carriers such as Hagerty, Foremost Insurance Group, Falls Lake Insurance, and Michigan Basic Property Insurance Association.

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.
4.3
Google
4.3 / 5 (46)
Facebook
4.3 / 5 (27)

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
33080 Groesbeck Highway, Fraser, MI 48026
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Moravian Insurance Agency has been providing affordable insurance to Warren residents since 1971. The business offers homeowners' insurance that ensures homes are fully covered from a wide range of threats such as fire, flooding, and theft. Various policies are available under the coverage, which include condo, renters, and personal umbrella. Moravian Insurance Agency also offers auto, motorcycle, and recreational insurance. The agency is a member of the Michigan Association of Insurance Agents.

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 (54)
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

Website
30795 John R Road, Madison Heights, MI 48071
  • Multiple Policy Types

Why choose this provider?

Doug Ware Insurance Agency, Inc., provides insurance to homeowners in Warren and the surrounding areas. Established in 1990, the agency works with multiple insurance providers, allowing its agents to give options to clients. Doug Ware protects single- and multi-family homes, condominiums, mobile homes, rental properties, and dwellings that are still under construction. It provides additional coverage for jewelry, antiques, art, personal computers, musical instruments, and collectibles. The agency also offers auto, boat and watercraft insurance, disability 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
4.8 / 5 (78)
Yelp
3.0 / 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

Website
15500 19 Mile Road, Clinton Township, MI 48038
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Kimberly M Maday-Apley - Farmers Insurance Agent, has 25 years of experience in the insurance industry. Based in Warren, Maday-Apley guides clients in designing a comprehensive insurance policy that protects their homes and assets. She offers plans that cover a home's structures and contents. This agent also provides Farmers Smart Plan Home℠ policies, where clients are provided with whole roof replacements if their property incurs damage. She also provides condo, renters', and umbrella 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.
4.2
Yelp
4.0 / 5 (4)
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
32888 Ryan Rd, Warren, MI 48092
  • Renter's Insurance
  • Personal Property Insurance
  • Flood
  • Fire
  • Earthquake
  • Multiple Carriers
  • Multiple Policy Types
  • Bundling Option

Why choose this provider?

Signature Insurance is an independent agency that has been of service to Warren and Troy residents since 2006. The company partners with insurance companies including AAA, Progressive, Westfield, and Nationwide to provide clients with suitable policy plans to meet their specific needs. Whether customers need a home, auto, liability, rental, boat, or life insurance, its agents find ways to meet the customer’s needs. Founder Zaid Zayto takes part as a volunteer in Defenders of Christ and homeless shelters.

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 (599)
Facebook
5.0 / 5 (39)
Yelp
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
38221 Mound Road, Sterling Heights, MI 48310
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Envision Insurance offers personal and commercial insurance solutions in Warren. The company partners with different insurance carriers, including Universal Property and Casualty Insurance Company and Progressive, to provide clients a selection of insurance products. Its homeowners' insurance options come in four policy types. The named peril home insurance plan outlines the specific hazards it covers, while the open peril policy covers all kinds of risks not mentioned as policy exclusions. Additionally, the company offers policies for both older homes and for structural and personal property losses.

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 (489)
Facebook
5.0 / 5 (30)

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
15192 East Thirteen Mile Road, Warren, MI 48088
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Natalie Gajewski is a State Farm insurance agent offering homeowners policies for clients in Warren. Beyond covering repairs or replacements for a damaged home, State Farm's insurance secures select personal belongings such as keepsakes, hobby items, and house or gardening equipment. It covers hazards such as lightning, wind or hail, fires, theft, vandalism, damages from frozen plumbing, and tearing or bulging in HVAC systems. An agent for State Farm since 2015, Natalie serves clients in Michigan, Ohio, and Indiana.

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 (155)
Facebook
5.0 / 5 (32)
Yelp
3.5 / 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
7011 Orchard Lake Road, West Bloomfield Township, MI 48322
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake

Why choose this provider?

Premier Insurance Agency has been serving its clients in Warren for 15 years. It offers a home insurance standard form policy that covers a house, its contents, and related liability risks. The comprehensive policy also includes personal property and provides guaranteed replacement cost coverage. Additionally, the agency provides auto, recreational, and commercial insurance plans. Premier Insurance Agency works with different carriers, such as Hartford, Bristol West Insurance Group, and Foremost 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.
4.1
Google
4.1 / 5 (37)
Yelp
3.0 / 5 (2)
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
34234 Van Dyke Avenue, Sterling Heights, MI 48312
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Why choose this provider?

Schembri Insurance Group is an insurance agency that provides clients in Warren with insurance plans. It is owned by Joel Schembri who has been awarded the National Conference Award and is a member of the Dearborn Chamber of Commerce. The agency's various insurance policies include auto, condo, flood, homeowners, and disability. Its homeowners' insurance financially protects the house and the personal belongings inside in case a fire or a severe storm occurs. It also provides coverage for damages due to theft and vandalism.

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

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.
  • How much does homeowners’ insurance cost in Warren?

    In Warren, the average annual homeowners’ insurance premium for a dwelling coverage of $250K is $1,622. This is higher than the national average cost of $1,428 per year. Meanwhile, cities in Michigan with the most expensive homeowners’ insurance premiums include Hazel Park, Harper Woods, Inkster, Southfield, and Flint.

  • Does Michigan offer Warren homeowners’ insurance assistance?

    Homeowners in Warren may be able to obtain financial assistance for their homeowners’ insurance costs, mortgage payments, and property taxes through the Michigan Homeowners Assistance Fund. Launched in February 2022, the program assists qualifying homeowners who have experienced financial hardships beginning before January 21, 2020, but continuing after that date. Households whose income is less than 150% of the Area Median Income also qualify.

  • How can Warren residents lower their homeowners’ insurance premiums?

    Residents of Warren may be able to obtain lower homeowners’ insurance costs if they install a sprinkler system in case of fire. Those with environmentally friendly upgrades may also be eligible for a green home discount. Another way of lowering one’s insurance costs is taking out multiple policies (such as home and auto insurance) with the same provider.

  • Does owning dogs affect one’s homeowners’ insurance in Warren?

    Dog owners in Warren may be forced to pay increased homeowners’ insurance rates, as certain breeds pose additional financial risks. These include German Shepherds, Pitbulls, Dobermans, Labrador Retrievers, Chow Chows, and Rottweilers. Because these breeds are more likely to bite or injure a person, insurance companies face a greater risk of covering the owner’s liability costs.

  • What is a home insurance endorsement in Warren?

    Home insurance endorsements or riders in Warren are optional components that provide additional coverage for certain items. As standard home insurance policies typically do not cover the full cost of high-value items, riders may be beneficial for those who own jewelry or fine art. Those who have opted for riders will be charged extra on their policy.

  • 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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