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Best Homeowners Insurance Agencies in Waterford

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A. Young Insurance Agency logo
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A. Young Insurance Agency

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

Business Description

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.
5.0
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
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Detail
Complete Insurance Services, Inc. logo
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Complete Insurance Services, Inc.

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

Business Description

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)

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
Hutchison's Insurance Agency, LLC logo
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Hutchison's Insurance Agency, LLC

3392 Sashabaw Road, Waterford Township, MI 48329
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.
4.6
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
J. Bejin & Associates logo
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J. Bejin & Associates

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

Business Description

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.
5.0
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
Jacobs Insurance Agency logo
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Jacobs Insurance Agency

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

Business Description

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
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
Joe Fagan - State Farm Insurance Agent logo
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Joe Fagan - State Farm Insurance Agent

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

Business Description

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)

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
Molina Insurance Agency logo
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Molina Insurance Agency

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

Business Description

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
The Huttenlocher Group logo
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The Huttenlocher Group

1007 West Huron Street, Waterford Township, MI 48328
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  • Multiple Policy Types

Business Description

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
Viking Insurance Agency logo
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Viking Insurance Agency

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

Business Description

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.
4.8
Google
4.6 / 5 (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
Vollrath Insurance Services, Inc logo
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Vollrath Insurance Services, Inc

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

Business Description

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.
4.3
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
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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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