Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Waterford

Our Recommended Top 10

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 Waterford Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

51Reviewed

34Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4700 Dixie Highway, Waterford, MI 48329
  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Why choose this provider?

Vollrath Insurance Services, Inc., is a Waterford insurance agency that offers its services all over the greater Detroit metropolitan area. Among other products, it offers homeowners' insurance, a package policy that protects the policyholder's home and the personal belongings inside it from disasters ranging from fire and natural disasters to theft and vandalism. It also includes personal liability coverage. The agency offers a separate policy for flood insurance to give clients additional protection.

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
Google
4.2 / 5 (5)

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
1400 Scott Lake Road, Waterford Township, MI 48328
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

A. Young Insurance Agency is a local independent agency in Waterford with over 20 years of experience in property insurance. It offers homeowners' insurance coverage which varies in different levels. The policy normally covers protection of the property and the contents within it and the homeowners' liability when someone is injured on the property and file a lawsuit against them. Lodging expenses if a property becomes unlivable due to consequences of a covered event can also be covered by the insurer. Clients can also apply for condo, manufactured home, and renters' 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.
4.9
Google
4.9 / 5 (155)
Facebook
5.0 / 5 (21)

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
4620 Dixie Highway, Waterford, MI 48329
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Molina Insurance Agency is an insurance plans provider operating in the Waterford metro. The agency offers commercial and personal lines that cover auto, health, disabilities, and accidents. It also offers homeowners' insurance to prospective policyholders. Its insurance agents are committed to delivering professional services that take into account the needs, budget, and other factors required by the client. The company has more than six years of experience as an agency and is tied up with top carriers such as Progressive and Safeco 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
Facebook
5.0 / 5 (6)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6909 Highland Road, Waterford Township, MI 48327
  • Multiple Policy Types

Why choose this provider?

Joe Fagan is an insurance agent who has been representing State Farm in the Waterford area since 2014. He leads a team of insurance professionals helping homeowners find appropriate insurance coverage for their properties and belongings. This coverage includes damages from natural disasters such as hail and lightning, random acts like vandalism and theft, and other covered causes, including bulging of cooling or heating systems. Homeowners also obtain protection for jewelry and appliances. Fagan provides assistance on resident relocations.

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 (101)
Facebook
5.0 / 5 (22)
Yelp
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
1007 West Huron Street, Waterford Township, MI 48328
  • Multiple Policy Types

Why choose this provider?

The Huttenlocher Group offers commercial and personal insurance solutions in Waterford. The company's insurance professionals aim to understand homeowners' insurance needs and look for multiple providers that can meet those requirements. They also review existing homeowners' insurance policies to ensure that clients receive adequate financial protection. Policyholders can mitigate financial losses from damages associated with homes and personal belongings. This coverage also includes compensation for non-resident injuries and liability claims.

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 (18)

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
4209 Sashabaw Road, Waterford, MI 48329
  • Flood
  • Multiple Policy Types

Why choose this provider?

Viking Insurance Agency is a family-owned and operated independent agency in Waterford. Its homeowners' insurance policies can provide more coverages aside from damage, liability, and theft. The policy can also cover contents of the home, damaged or stolen items, liability, and others structures on the property. The agency prides itself in helping homeowners determine the best policy coverage for their property with care. It represents top insurance companies that can greatly help with the commercial and personal insurance needs of the clients. Viking Insurance Agency also offers auto insurance with a wide range of coverages.

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
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
3255 Dixie Highway, Waterford, MI 48328
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Independent insurance agency J. Bejin & Associates is based in Waterford and has a team of experienced agents ready to serve the community's insurance needs. The agency provides homeowners insurance policies that can help cover properties, personal possessions, medical expenses, liabilities, and living expenses if temporary accommodation is needed. It can also insure rental dwellings, high-value homes, and secondary residences. J. Bejin & Associates offers many other personal and business insurance products from insurance carriers such as Hagerty, Safeco, Progressive, Nationwide, and MetLife.

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 (16)
Facebook
5.0 / 5 (13)

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
1717 Cass Lake Road, Keego Harbor, MI 48320
  • Multiple Policy Types

Why choose this provider?

Complete Insurance Services, Inc., is an independent multi-policy agency that provides homeowners' insurance to clients in Waterford. Beyond offering policies that secure rebuilding costs to a dwelling, it also counsels homeowners on possible hazards included in their coverage, such as hail and wind damage, backed-up sewage or failed pumps, and frozen plumbing. The company also assists in determining liability coverage for falling debris such as trees, as well as offers equipment breakdown and service line coverage.

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 (21)
Facebook
5.0 / 5 (9)
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
3392 Sashabaw Road, Waterford Township, MI 48329
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Hutchison's Insurance Agency, LLC, is a homeowners' insurance agency that serves clients based in Waterford and the surrounding communities. Its team of insurance professionals provides assistance to homeowners who are looking to insure their homes and their personal properties. They provide home quotes from major insurance carriers such as Liberty Mutual Insurance, Progressive Insurance, and Safeco Insurance and guide their clients in their decision-making. The team at Hutchison's Insurance Agency, LLC, also offers auto insurance plans.

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 (15)
Facebook
5.0 / 5 (5)

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
4488 West Walton Boulevard, Waterford, MI 48329
  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Why choose this provider?

Jacobs Insurance Agency is a Waterford-based company dedicated to providing insurance solutions for families and individuals. Its independent agents represent trusted insurance carriers such as Progressive Corporation, Safeco Insurance, and Bristol West Insurance Group. They have designed policies for different kinds of homes ranging from condominiums to apartments. The firm's homeowners' insurance coverage offers clients protection against incidents such as fires, robberies, and vandalism. Jacobs Insurance Agency also conducts periodic assessments of policies to help ensure that all current risks are addressed.

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
Facebook
5.0 / 5 (12)
Google
1.0 / 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

FAQs

  • 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 causes the rise in homeowners insurance premiums in Waterford?

    The rise of homeowners insurance costs in Waterford is caused by the increase in severe weather events, like tornadoes, hurricanes, and violent thunderstorms, which can lead to insurance claims due to the increased likelihood of damage to homes and personal property. Second, the rising construction material prices could escalate home repair or rebuilding costs, influencing homeowners insurance rates.

  • What factors can help you in reducing the cost of your homeowners insurance policy in Waterford?

    These factors can help reduce your homeowners insurance costs in Waterford:

    • Claims history: A clean claims record can lead to lower rates, and if you haven't filed a claim in a while, you might qualify for a discount.
    • Roof age: Newer roofs may save money on premiums.
    • Deductible: Opting for a higher deductible can result in a lower premium.
    • Coverage bundling: Combining homeowners and auto insurance policies can lead to cost savings.
  • What is the scope of coverage provided by homeowners liability insurance in Waterford?

    The personal liability section of your Waterford homeowners insurance policy safeguards you from legal actions launched by other parties. It provides coverage for damage caused by your pets to others, property damage caused by you or your family members to others, and injuries sustained by guests while on your premises. This coverage caters to the expenses associated with legal defense and any court-ordered damages.

  • What can you do if your application for homeowners insurance is declined in Waterford?

    If you face rejection from companies when seeking homeowners insurance in Waterford, you have an alternative option in the form of the Michigan Basic Property Insurance Association. This entity, often referred to as the "last-resort insurer," provides coverage for homeowners who are unable to secure it through the standard "voluntary" market. To apply, you can seek assistance from any licensed property or casualty insurance agent in Waterford or anywhere else in Michigan.

  • 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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