The top-rated condo insurance agent in Clinton Township, Michigan is First Independent Insurance Agency, rated 4.9 stars across 594 reviews. Other highly rated options include Beth Shutko - State Farm Insurance Agent, Royal Oath Insurance Group, AMG Health & Life Insurance Group. This directory lists 22 condo insurance agents serving Clinton Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Independent Insurance Agency | 15945 Canal Rd | (586) 247-2220 |
| 2 | Beth Shutko - State Farm Insurance Agent | 40680 Garfield Rd STE 2A | (586) 792-1591 |
| 3 | Royal Oath Insurance Group | 42536 Hayes Rd Suite 400 | (586) 238-3535 |
| 4 | AMG Health & Life Insurance Group | 16600 18 Mile Rd | (248) 592-0080 |
| 5 | AAA Insurance - Schnaidt Agency | 35927 Southbound Gratiot Ave | (586) 838-2555 |
| 6 | MI Insurance Agency | 40684 Hayes Rd | (586) 354-3462 |
| 7 | Dan Stawinski - State Farm Insurance Agent | 36250 Garfield Rd | (586) 792-1567 |
| 8 | Brian Lane Agency/Farm Bureau Insurance | 21250 Hall Rd #100 | (586) 412-8700 |
| 9 | Inspire Insurance Agency Inc | 20666 Hall Rd | (586) 421-5961 |
| 10 | McGovern Agency | 37102 S Groesbeck Hwy | (586) 464-2400 |
First Independent Insurance Agency serves clients in Clinton Township and Macomb County, providing specialized condo insurance policies tailored to local regulations and building types. The agency works to help condominium owners understand their master policy coverage and fill any gaps with appropriate personal property and liability protections. Clients receive guidance on assessing deductible limits and loss assessment endorsements common in Michigan communities. The agency handles coverage for interior fixtures, personal liability, and loss of use during repairs.
Beth Shutko - State Farm Insurance Agent in Clinton Township, MI, provides comprehensive condo insurance coverage, including policy guidance, risk assessment, and claims assistance. The agency helps clients understand their specific condo association requirements and tailor individual unit protection accordingly. Routine policy reviews are offered to adjust coverage as needs change. Year-round support is available for filing claims or making policy updates. This agency serves a variety of properties, including single-family homes, apartments, retail establishments, and restaurants.
Royal Oath Insurance Group serves homeowners and property managers in Clinton Township, MI, specializing in condo insurance policies tailored to individual unit needs. The agency assists clients in securing coverage for interior structures, personal belongings, and liability protection common in association-governed communities. It also works with investors renting out condominium units, ensuring their property and income are properly protected under appropriate policy provisions. Additional service areas include nearby Mount Clemens and the broader Macomb County region.
For clients evaluating coverage, AMG Health & Life Insurance Group distinguishes between policies offering a single settlement and those providing ongoing repair payments over time. Located in Clinton Township, Michigan, this agency specializes in condo insurance, addressing the unique risks of shared-wall ownership and association master policy gaps. Their coverage options include dwelling protection, personal liability, and loss-of-use benefits tailored to Michigan’s climate. Service arrangements are flexible, operating on a one-time, scheduled, or as-needed basis according to each policyholder’s chosen plan.
Serving Clinton Township and the surrounding communities in Macomb County, AAA Insurance - Schnaidt Agency handles condo insurance policies tailored to individual unit owners. This agency addresses the specific coverage needs of condominium living, including interior structural elements, personal property, and liability protection. Policies are designed to fill gaps left by the master association’s insurance. For a typical job, the agency reviews the client’s condo association master policy to determine the appropriate dwelling coverage and personal liability limits for the unit.
MI Insurance Agency specializes in assisting condo owners with the unique insurance needs of shared-building living. The agency offers comprehensive coverage options that protect individual units and personal belongings. It works with clients throughout Clinton Township to evaluate their policies and ensure proper protection for interior structures, liability, and loss assessment fees. The agency addresses specific seasonal concerns, including winter damage from frozen pipes or ice dams that commonly affect condo buildings in Michigan.
Dan Stawinski, as a State Farm Insurance agent in Clinton Township, MI, provides general property and casualty insurance coverage for local homeowners and renters. This agency specializes in tailoring condo insurance policies, which often require separate protection for interior fixtures, personal liability, and loss assessment coverage that a master building policy may not include. The agent serves residential clients as well as various commercial sectors, including office spaces, warehouses, and food service operations.
As winter ice gives way to spring thaws in Clinton Township, condo owners often review their coverage for potential water damage and liability shifts. Brian Lane Agency/Farm Bureau Insurance responds by providing personalized consultations for the unique needs of condominium policies. They help clarify master policy boundaries and individual contents protection in this area. A typical first step with their office involves scheduling an on-site assessment of the unit to identify specific risk factors before tailoring a suitable plan.
Residential condominium owners in Clinton Township, MI can turn to Inspire Insurance Agency Inc for their property coverage needs. The firm also offers commercial insurance solutions, serving clients throughout the local area. A dedicated policyholder works directly with an agent to customize a plan for individual unit protection and liability concerns. The agency maintains ongoing contact with clients, ensuring seamless follow-up for policy adjustments or renewals between regular annual visits.
McGovern Agency in Clinton Township, Michigan, is known for providing tailored policies for condominium unit owners. Its service range covers standard interior coverage for personal property and liability, as well as loss assessment protection and supplemental endorsements. The agency assists clients in navigating the specific gap between a condo association's master policy and a resident's individual needs. As a specialty service, the agency can add on coverage for ordinance or law compliance to help with upgrades after a covered loss.
What Does a a Condo Insurance Agent in Clinton Township Cost?
Typical condo insurance in Michigan costs between 200 and 600 dollars per year for a standard HO-6 policy. Premiums in Clinton Township may be slightly higher due to winter weather risks and local crime rates. Factors like the age of your building and your chosen deductible also affect the price. This is general information and not insurance advice.
About condo insurance agents in Clinton Township
Condo insurance agents in Clinton Township Michigan help you understand the specific coverage required by Michigan law and your condo association bylaws. They can explain how the master policy works with your personal HO-6 policy and assist with liability protection. Local agents know Clinton Township flood zones and weather risks that may affect your premium.
Frequently Asked Questions
What does a condo insurance agent in Clinton Township do?
A condo insurance agent reviews your condo association master policy and helps you buy an HO-6 policy to cover your personal property and interior walls. They also advise on loss assessment coverage for shared building repairs. Michigan law does not require condo insurance but your lender and association may require it.
How is Michigan condo insurance different from a standard homeowners policy?
Michigan condo insurance uses an HO-6 policy which covers personal property and interior structures not covered by the association master policy. It also includes loss assessment coverage for special assessments from the condo board. Standard homeowners policies cover a whole house and land, which condo policies do not.
What factors affect condo insurance cost in Clinton Township Michigan?
Costs depend on your condo value, deductible choice, location in Clinton Township, and your claims history. Michigan insurance laws allow companies to use credit scores and prior claims to set rates. Your agent can help you compare quotes from multiple insurers.
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