The top-rated condo insurance agent in St Clair Shores, Michigan is Tom Peck - State Farm Insurance Agent, rated 4.9 stars across 379 reviews. Other highly rated options include Sue Crowe - State Farm Insurance Agent, Lakepointe Insurance Agency, Jeff Abraham - State Farm Insurance Agent. This directory lists 19 condo insurance agents serving St Clair Shores.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tom Peck - State Farm Insurance Agent | 25310 Little Mack Ave | (586) 775-6300 |
| 2 | Sue Crowe - State Farm Insurance Agent | 31800 Harper Ave | (586) 296-3800 |
| 3 | Lakepointe Insurance Agency | 25124 Jefferson Ave | (586) 776-6990 |
| 4 | Jeff Abraham - State Farm Insurance Agent | 25118 Jefferson Ave | (586) 771-9222 |
| 5 | Michigan Insurance and Financial Services | 26503 Harper Ave | (586) 218-5980 |
| 6 | DDI Insurance Agency | 24522 Harper Ave | (313) 925-3216 |
| 7 | Goosehead Insurance - Joe Manzella | 23000 Greater Mack Ave Suite 400 | (313) 314-2227 |
| 8 | Joe Manzella Agency - Goosehead Insurance | 23000 Greater Mack Ave 2nd Floor, Suite 400 | (313) 314-6811 |
| 9 | Serena Clarke - State Farm Insurance Agent | 28800 Harper Ave B | (586) 445-2444 |
| 10 | Jeffery Torrice: Allstate Insurance | 22811 Greater Mack Ave Ste 214 | (313) 881-0200 |
Tom Peck - State Farm Insurance Agent serves St Clair Shores, Michigan, and the surrounding Macomb County area as a local condo insurance agent. The agency provides tailored condo insurance policies that cover interior structures, personal belongings, and liability protection. Policyholders can also receive guidance on assessments and loss assessments coverage specific to condominium associations in the region. The office assists clients with customizing deductibles and adding protection for improvements or upgrades made to their individual units.
Serving the St Clair Shores area, Sue Crowe - State Farm Insurance Agent provides condo insurance policies tailored to protect individual units and shared building structures. The agency assists clients in understanding coverage options for personal property, liability, and loss assessments typically required by homeowners’ associations. Maintenance plans are not offered, but the agent advises on policy adjustments that reflect unit upgrades or changes in occupancy. This agency serves policyholders for single-family homes, apartments, retail, and restaurants.
Lakepointe Insurance Agency serves condo owners, homeowners, and property managers in St Clair Shores, Michigan, offering insurance policies tailored to condominium association requirements and individual unit coverage. These policies typically address interior structures, personal liability, and loss assessments from master policies. The agency assists clients in evaluating their specific needs and ensuring adequate protection for their investment. Beyond St Clair Shores, Lakepointe Insurance Agency also covers the neighboring community of Roseville and surrounding areas within Macomb County.
Serving St Clair Shores, MI, and the surrounding communities, Jeff Abraham - State Farm Insurance Agent provides condo insurance coverage tailored to local condominium owners. The agency handles policies that protect personal property, interior structures, and liability within individual condo units. When managing a typical job, it assesses each client’s specific building bylaws and personal needs to determine appropriate coverage limits, then bundles protections to ensure comprehensive protection against common local risks like water damage or theft.
As the leaves fall and St. Clair Shores enters its storm season, local condo owners often review their liability and building coverage. Michigan Insurance and Financial Services provides condo insurance tailored to this specific Lake St. Clair community, addressing both individual unit policies and shared master policy gaps. The agency works with clients to clarify how their coverage responds to water damage from plumbing backups or wind-driven rain. Any initial consultation begins with a full review of the client’s current association documents to identify necessary endorsements.
Located in St Clair Shores, MI, DDI Insurance Agency provides general condo insurance agent services for property owners. The agency specializes in customized policy add-ons, including expanded personal property coverage and liability protection for common areas. Condo owners can secure tailored plans that address building deficiencies and loss assessment fees. The agency serves commercial sectors such as local offices, small warehouses, and food service operations.
Goosehead Insurance - Joe Manzella serves condo owners in St Clair Shores, Michigan, offering insurance policies tailored for individual unit coverage. The agency provides protection for personal property and interior fixtures while addressing common area liability concerns specific to condominium associations in the area. Policies typically cover assessments from the association and other financial exposures unique to condo living. This service includes an additional coverage option for loss of personal property while traveling or in storage during renovations.
Operating as the Joe Manzella Agency within Goosehead Insurance, this St Clair Shores firm handles residential condo insurance alongside commercial property coverage for local businesses. The agency serves clients throughout St Clair Shores and the surrounding communities. The team works with individual unit owners to tailor policies for fixtures, liability, and loss assessments. They return to each client file during renewal periods to review coverage changes or updates, providing ongoing service between regular visits without offering guarantees or specific pricing. Account managers schedule follow-up calls as policy expiration approaches.
Jeffery Torrice: Allstate Insurance in St Clair Shores, MI, provides specialty services for condominium unit owners, including tailored coverage for interior structures and personal property. It also offers general insurance guidance, helping clients understand master policy gaps and individual liability protections. The agency works with residents to address specific local concerns such as water damage from frozen pipes or sudden storm events common in the Great Lakes region. This focus ensures condominium owners are prepared for seasonal risks like heavy winter snowmelt or summer windstorms.
What Does a a Condo Insurance Agent in St Clair Shores Cost?
Typical condo insurance in Michigan costs between 200 and 600 dollars per year for a standard policy. Factors like your unit location, coverage limits, and deductible amount affect the premium. Loss assessment coverage may add 25 to 75 dollars annually. This is general information, not insurance advice.
About condo insurance agents in St Clair Shores
Condo insurance agents in St Clair Shores Michigan help unit owners understand their coverage needs. Michigan law requires condo associations to carry a master policy, but individual owners need their own policy for personal property and interior improvements. A local agent can explain how the Michigan Condominium Act affects your specific policy limits and deductibles.
Frequently Asked Questions
What does a condo insurance agent in St Clair Shores do?
A condo insurance agent helps you find a policy that covers your personal belongings, interior walls and fixtures, and liability protection. They also explain how your policy works with the association master policy required under Michigan law.
Do I need condo insurance in St Clair Shores Michigan?
Yes, most lenders require it for a mortgage. Even without a loan, condo insurance protects your personal property and provides liability coverage if someone is injured in your unit. Michigan law does not require it, but your association bylaws may.
How much condo insurance do I need in Michigan?
You need enough to cover your personal property, interior improvements, and loss assessment coverage. Many agents recommend at least 100,000 dollars in liability coverage. Your specific needs depend on your unit value and association rules.
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