The top-rated condo insurance agent in Troy, Michigan is Globe Life American Income Division: Schrieber Organization, rated 4.9 stars across 1,529 reviews. Other highly rated options include FSA Insurance Agency, JPS Insurance Agency, AAA Insurance - Howard Beatty IV Insurance Agency. This directory lists 22 condo insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life American Income Division: Schrieber Organization | 950 Stephenson Hwy #200 | (844) 832-2412 |
| 2 | FSA Insurance Agency | 50 W Big Beaver Rd Ste 500 | (586) 842-3770 |
| 3 | JPS Insurance Agency | 1111 W Long Lake Rd Suite 201 | (248) 646-6657 |
| 4 | AAA Insurance - Howard Beatty IV Insurance Agency | 2950 W Square Lake Rd Suite# 100 | (248) 792-7012 |
| 5 | Ann Percy - State Farm Insurance Agent | 4101 John R Rd #500 | (248) 879-9690 |
| 6 | HealthMarkets Insurance - Eric Zawicki | 920 E Long Lake Rd Ste 100A | (248) 850-4000 |
| 7 | AAA Insurance - Daniel's Agency | 42831 Dequindre Rd | (248) 800-9999 |
| 8 | Oak Crest Insurance Services | 125 E Maple Rd | (248) 729-7077 |
| 9 | Troy-Metro Agency | 2065 Livernois Rd | (248) 813-8540 |
| 10 | Hershey Insurance Group | 2855 Coolidge Hwy #204 | (888) 843-7743 |
Globe Life American Income Division: Schrieber Organization serves the Troy, Michigan area as a condo insurance agent. It helps condo owners secure coverage tailored to the unique needs of attached housing, including protection for interior structures and personal liability. The agency assists clients in navigating master policy gaps and obtaining necessary personal property endorsements. In this area, it handles loss assessment coverage and water damage protection for condo units.
FSA Insurance Agency provides personalized advice and customized policy options for condominium unit owners in the Troy, Michigan area. Its agents help clients assess coverage needs for interior improvements and personal liability, simplifying the process to avoid gaps in protection. This local firm focuses on explaining policy terms and offering annual reviews to adjust coverage as needed. It services residential condominiums, multi-unit apartment complexes, and mixed-use properties with retail or restaurant spaces on the ground floor.
JPS Insurance Agency in Troy, Michigan, serves condo owners and property managers seeking specialized coverage for their units and buildings. The agency provides policies that protect personal belongings, liability, and common-area assessments common in condominium associations. It also helps clients understand their master policy gaps and obtain appropriate individual coverage. JPS Insurance Agency further extends its services to neighboring communities throughout Oakland County and covers clients across the broader metropolitan Detroit area.
AAA Insurance - Howard Beatty IV Insurance Agency serves the Troy, Michigan area and the surrounding communities of Oakland County. This agency handles specialized condo insurance policies for local condominium owners and associations. It addresses coverage needs such as common area liability, individual unit protection, and loss assessment coverage. The company employs a thorough, consultative approach by reviewing each client’s unique condo documents to identify potential gaps in coverage before recommending a tailored policy.
For those seeking a one-time policy to satisfy a mortgage requirement or an ongoing plan with broader personal property and liability coverage, this agency works with both approaches. Based in Troy, MI, the office assists homeowners and renters alike by explaining coverage differences between standard homeowners and condo insurance policies. Services for existing clients run on a scheduled basis for annual reviews and adjustments, while new customer consultations are conducted as-needed.
As Michigan homeowners prepare for the transition from summer storms to winter snow and ice, condominium owners in Troy need to consider the specific coverage gaps in their master policies. HealthMarkets Insurance - Eric Zawicki assists clients in Troy by reviewing individual condo insurance needs, from personal property protection to liability for common areas. Local policies can address water backup or damage from burst pipes often seen during Michigan's freeze-thaw cycles. An initial walkthrough of the unit and its building infrastructure is scheduled for a thorough assessment.
AAA Insurance - Daniel's Agency in Troy, MI specializes in tailoring condo insurance policies to meet the unique needs of individual unit owners. The agency provides comprehensive guidance on standard coverages, including interior structures, personal property, and liability protection. It also assists clients in navigating supplemental assessments and loss assessment coverage. As winter approaches, the agent helps condo owners address specific concerns such as frozen pipe damage and liability for ice-related accidents on walkways within the community.
Oak Crest Insurance Services offers residential condo insurance coverage for owners in Troy, Michigan. The agency also handles commercial policies for local businesses requiring property protection. Serving Troy and the surrounding metropolitan area, the firm helps clients secure appropriate policies that align with building association requirements and personal asset needs. Condo insurance typically covers interior structures, personal belongings, and liability exposures. After the initial policy is placed, the agency follows up to address coverage changes and can provide annual policy reviews between regular renewal cycles to ensure ongoing suitability.
Troy-Metro Agency provides condo insurance services in Troy, Michigan, focusing on protecting individual unit owners from common property risks and liability concerns. The agency can arrange policies that cover interior structures and personal belongings. Its work also includes layers for loss assessment coverage and additional living expenses during repairs. Troy-Metro Agency serves owners of residential condominium units and extends its services to commercial sectors, including offices, warehouses, and food service operations.
Hershey Insurance Group is known for specializing in condo insurance and serves clients in Troy, Michigan, and the surrounding area. The agency helps local condo owners navigate the specific coverage requirements unique to association properties and individual unit protection. It provides policies that address dwelling coverage, personal property, liability, and loss assessment protection tailored to condo association bylaws. For an added specialty service, the agency can arrange additional coverage for valuable personal items like jewelry or electronics through scheduled endorsements on the policy.
What Does a a Condo Insurance Agent in Troy Cost?
Typical condo insurance premiums in Troy Michigan range from 300 to 600 dollars per year for a standard HO-6 policy. Factors that affect cost include the unit value, deductible amount, and location within the building. Older condos or those with higher risk features may cost more. This is general information and not insurance advice.
About condo insurance agents in Troy
Condo insurance agents in Troy Michigan help unit owners secure HO-6 policies that cover personal property and interior improvements. Michigan law requires condo associations to maintain master policies, but individual owners need their own coverage for deductibles and upgrades. An agent can explain how Troy condo bylaws interact with state insurance requirements.
Frequently Asked Questions
What does a condo insurance agent in Troy Michigan do?
A condo insurance agent helps you find an HO-6 policy that covers your personal belongings and interior structures. They also advise on loss assessment coverage for shared building repairs. The agent compares policies from different carriers to match your condo associations master policy.
Is condo insurance required in Michigan for Troy condos?
Michigan law does not require individual condo owners to carry HO-6 insurance, but most mortgage lenders do require it. Additionally, many Troy condo associations mandate that owners carry liability and property coverage as a condition of the bylaws.
How does Michigan law affect condo insurance in Troy?
Michigan follows a modified comparative fault rule for property claims, which can affect how losses are paid. The state also sets a one-year statute of limitations for filing a lawsuit after a loss. Your agent can help you understand how these laws apply to your policy.
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