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Best Homeowners Insurance Agencies in Warren

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Doug Ware Insurance Agency, Inc. logo
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Doug Ware Insurance Agency, Inc.

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

Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Envision Insurance logo
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Envision Insurance

38221 Mound Road, Sterling Heights, MI 48310
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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
K Mathes Insurance - Meemic Insurance Company logo
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K Mathes Insurance - Meemic Insurance Company

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

Business Description

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
Kimberly M Maday-Apley - Farmers Insurance Agent logo
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Kimberly M Maday-Apley - Farmers Insurance Agent

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

Business Description

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.
5.0
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
L.A. Insurance logo
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L.A. Insurance

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

Business Description

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.
4.4
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
Moravian Insurance Agency logo
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Moravian Insurance Agency

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

Business Description

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
Natalie Gajewski - State Farm Insurance Agent logo
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Natalie Gajewski - State Farm Insurance Agent

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

Business Description

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
Premier Insurance Agency logo
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Premier Insurance Agency

7011 Orchard Lake Road, West Bloomfield Township, MI 48322
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake

Business Description

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)

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
Schembri Insurance Group logo
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Schembri Insurance Group

34234 Van Dyke Avenue, Sterling Heights, MI 48312
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

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
Signature Insurance logo
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Signature Insurance

32888 Ryan Rd, Warren, MI 48092
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  • Renter's Insurance
  • Personal Property Insurance
  • Flood
  • Fire
  • Earthquake
  • Multiple Carriers
  • Multiple Policy Types
  • Bundling Option

Business Description

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)

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.

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