How Can I Make My Troy, MI Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Troy, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Troy, MI Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $65,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $157,500 | $130,000 | $175,000-$200,000 |
| 3 Bedroom | $167,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $209,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $433,500 | $400,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in Troy, MI | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$149 | $784 |
| Superior Protection Discount | -$93 | $840 |
| Fire & Security Discount | -$93 | $840 |
| Hail Resistant Roof Discount | -$19 | $914 |
| Newly Constructed Home Discount | -$205 | $728 |
Choose your Troy, MI Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,513 |
| Hail Damage | $4,853 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $16,887 |
Identify Top Home Insurance Agents near Troy, MI | Back to Top
| Home Insurance Company Troy, MI | Homeowners Insurance Agency Troy, MI | Address | Popularity Score | Distance from Troy (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Bergstrom Insurance Agency | 30701 W 10 Mile Rd Ste 400, Farmington Hills, MI, 48336 | 13.1 | |
| Liberty Mutual Independent | Ann Arbor Insurance Associates Llc | 1925 Pauline Blvd #D Ann Arbor, Ann Arbor, MI, 48103 | 38.8 | |
| State Farm | Barbara Merten-Dubensky | 2028 Hazel St, Birmingham, MI, 48009-6807 | 3.7 | |
| Allstate | Frank Kimmel | 1322 Walton Blvd, Rochester Hills, MI, 48309 | 6.8 | |
| State Farm | Nancy Spencer | 1033 Novi Rd, Northville, MI, 48167-1156 | 19.4 | |
| Allstate | Shirley Nichols | 26647 Southfield Rd, Lathrup Village, MI, 48076 | 7.8 | |
| State Farm | Dan Krause | 1274 W Auburn Road, Rochester Hills, MI, 48309-3632 | 3.6 | |
| Farmers | Adeeb Zayto | 28751 Ryan Rd, Warren, MI, 48092 | 6.8 | |
| State Farm | Bill Nettle | 6447 Rochester Rd, Troy, MI, 48085-1306 | 2.2 | |
| State Farm | Tim Miller | 24300 Southfield Rd Ste 309, Southfield, MI, 48075-2860 | 8.9 |
Compare Rates for Troy, MI Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,110 | $580 |
| Oakland County, MI | $209,800 | $847 | $610 | $1,190 | $580 |
| Troy, MI | $269,800 | $933 | $660 | $1,320 | $660 |
| Birmingham, MI | $467,700 | $982 | $720 | $1,370 | $650 |
| Royal Oak, MI | $191,700 | $823 | $600 | $1,140 | $540 |
| Pontiac, MI | $56,300 | $619 | $440 | $860 | $420 |
| Keego Harbor, MI | $114,500 | $744 | $540 | $1,030 | $490 |
| White Lake charter, MI | $209,300 | $732 | $490 | $1,000 | $510 |
| Plymouth, MI | $267,400 | $812 | $560 | $1,160 | $600 |
| Capac, MI | $75,600 | $677 | $490 | $930 | $440 |
| Brownstown charter, MI | $164,700 | $683 | $500 | $950 | $450 |
| Gaines, MI | $138,600 | $778 | $570 | $1,110 | $540 |
| Monroe charter, MI | $125,900 | $639 | $440 | $880 | $440 |
Research Home Insurance Companies Reviews in Troy, MI Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: December 30, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
I have compared my insurance with other companies, and my Insurance is very reasonable, and the coverage is very good also
Date: September 16, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I like their policy because it is very dependable and it has meet my standards.
Foremost Insurance Home Insurance Reviews
Date: January 14, 2020 Age: Above 60 Gender: Male Marital Status: Married
Customer Service
We have not had any claims with this insurance company, but whenever I contacted them customer service has been acceptable.
Date: October 21, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I have a 500 dollar deductible on my Foremost Home Insurance Policy. I prefer a smaller deductible because my home always seems to get wind damage, I want to be prepared. My premium is very affordable.
State Farm Home Insurance Reviews
Date: October 12, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
State Farm offers flexible deductible plans that fit into my budget. I know that if something bad ever happened to my house, I would be able to pay for it out of my budget.
Date: July 30, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
Well I havent really looked at other insurance policies so I did not have the time to compare.
Farmer's Insurance Home Insurance Reviews
Date: December 24, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I have had Farmer's Insurance insurance for around five years now, and I've never needed to make a claim. They were agreeable to providing documents to my mortgage holder when I applied for a refinance.I'd give their customer service a 5.
Date: June 19, 2019 Age: 40 to 49 Gender: Married Marital Status: Female
Customer Service
The customer service department of Farmer's Insurance is awful. They do not consider the value of the customer's time; they only consider their profits.
Allstate Home Insurance Reviews
Date: September 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Compared to other home insurance policy offerings Allstate's is highly competitive. Their prices are affordable and reasonable priced compared to their top competitors.
Auto Owners Insurance Home Insurance Reviews
Date: August 12, 2019 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
Customer Service is very responsive. They answer any question rapidly. They are always ready to explain and change amounts of coverage and deductibles.