The top-rated flood insurance agent in Troy, Michigan is FSA Insurance Agency, rated 4.9 stars across 565 reviews. Other highly rated options include Goosehead Insurance - Alsaigh & Adour Agency, JPS Insurance Agency, AAA Insurance - Howard Beatty IV Insurance Agency. This directory lists 22 flood insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | FSA Insurance Agency | 50 W Big Beaver Rd Ste 500 | (586) 842-3770 |
| 2 | Goosehead Insurance - Alsaigh & Adour Agency | 100 W Big Beaver Rd STE 580 | (586) 630-3799 |
| 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 | AAA Insurance - Daniel's Agency | 42831 Dequindre Rd | (248) 800-9999 |
| 6 | Troy-Metro Agency | 2065 Livernois Rd | (248) 813-8540 |
| 7 | Doeren Mayhew Insurance Group | 3155 W Big Beaver Rd Suite 250 | (248) 290-0650 |
| 8 | Farmers Insurance - Kelvin Khosho | 2115 Livernois Rd | (248) 509-2223 |
| 9 | Fisher Insurance Group, LLC | 1050 Wilshire Dr #110 | (586) 979-1330 |
| 10 | Mason-McBride Insurance | 3155 W Big Beaver Rd Suite 125 | (248) 822-7170 |
FSA Insurance Agency serves the Troy, Michigan metro area and surrounding communities as a flood insurance agent. The company assists property owners in obtaining coverage against flood damage, a crucial need for many homes and businesses in this region. Policies are structured to protect structures and their contents from water intrusion events. The agency helps clients navigate National Flood Insurance Program options and private market alternatives. FSA Insurance Agency handles policy applications and claims assistance for residential and commercial flood insurance.
Goosehead Insurance - Alsaigh & Adour Agency in Troy, MI, provides a full range of flood insurance services, including policy consultations and risk assessments for residential and commercial clients. The agency offers ongoing service plans that include annual policy reviews and claims assistance to ensure coverage remains adequate as flood zones shift. It serves diverse property types, such as single-family homes, apartments, retail spaces, and restaurants.
JPS Insurance Agency serves homeowners, businesses, and property managers in Troy, Michigan, by helping them secure coverage against flood damage. The agency works with clients to understand their flood risk and find suitable policies. Given the area’s exposure to severe weather, having proper flood protection is essential for protecting property and assets. The company offers its services to residents and commercial property owners throughout Troy, as well as those in the neighboring community of Birmingham and the surrounding metro Detroit region.
AAA Insurance - Howard Beatty IV Insurance Agency serves Troy, Michigan and its surrounding communities, handling residential and commercial flood insurance needs. It focuses on protecting properties from water damage caused by heavy rains, snowmelt, or other natural events. The agency helps clients understand flood risk and policy requirements, including those beyond standard homeowner coverage. To handle a typical job, it evaluates the specific property’s flood zone and coverage needs, then recommends an appropriate policy from available plans.
An agency providing flood insurance can assist with both one-time claims and recurring policy management, covering structures and contents against water damage common in the Troy, Michigan area. Navigating the federal program alongside private markets helps homeowners and businesses secure adequate protection against regional flood risks. This includes advising on appropriate deductibles and coverage limits for specific property needs. Policies are available on an as-needed basis.
Troy-Metro Agency specializes in providing flood insurance policies tailored to protect residential and commercial properties. It serves clients throughout Troy, Michigan, guiding them through the complexities of coverage options and risk assessments. Regular consultation helps homeowners and business owners understand their flood zone designations and policy requirements. As the region faces occasional heavy spring rains and rapid snowmelt, the agency helps clients secure coverage before the threat of basement flooding and localized water damage arises.
In southeastern Michigan, spring thaws and heavy storms often bring flooding concerns to neighborhoods throughout Troy. Doeren Mayhew Insurance Group works as a flood insurance agent, helping local homeowners and businesses obtain appropriate coverage from the National Flood Insurance Program. The company guides clients through the sometimes complex policy requirements specific to the region’s flood zones. Understanding the local landscape allows them to assist customers in identifying suitable protection against water damage. An initial property assessment and elevation certificate review generally begin the process of securing a flood insurance policy.
Farmers Insurance - Kelvin Khosho in Troy, MI provides general property and liability insurance coverage and specializes in flood insurance policies. The agent works with homeowners and renters to assess specific flood risks and secure appropriate protection against water damage. Commercial sectors such as offices, warehouses, and food service establishments can also receive tailored flood coverage to safeguard their operations and assets.
Fisher Insurance Group, LLC in Troy, MI provides residential flood insurance services for homeowners seeking protection against water damage from severe weather and rising water tables. The agency also holds commercial flood coverage options to safeguard local business properties and their inventory. Their service area spans the greater Troy region and surrounding Oakland County communities needing flood risk solutions. The team offers policy reviews and claims guidance, ensuring clients receive consistent follow-up support between their regular policy renewal visits.
Mason-McBride Insurance in Troy, MI is known for guiding homeowners through the process of securing flood insurance. It serves local properties in flood-prone areas by helping clients understand their coverage options. This agency works to ensure policies fit specific property needs and risk levels. Because standard home insurance usually excludes flood damage, the firm focuses on filling that gap. It can also assist with reviewing a current policy for potential gaps or changes in flood zone designations.
What Does a a Flood Insurance Agent in Troy Cost?
Typical flood insurance costs in Michigan range from 500 to 2,000 per year for NFIP policies depending on flood zone and building characteristics. Private flood insurance may cost less or more based on risk assessment. Elevation certificates and deductible choices also affect premiums. This is general information not insurance advice.
About flood insurance agents in Troy
Flood insurance agents in Troy Michigan help property owners secure coverage against flood damage. Michigan law does not require flood insurance but mortgage lenders often mandate it for homes in high-risk zones. Agents can explain the National Flood Insurance Program and private market alternatives available in Oakland County.
Frequently Asked Questions
Do I need flood insurance in Troy Michigan?
Flood insurance is not required by Michigan state law. However if your home is in a FEMA-designated Special Flood Hazard Area your mortgage lender will likely require it. Even outside high-risk zones flooding can occur from heavy rains or snowmelt.
What does a flood insurance agent in Troy do?
A flood insurance agent helps you assess your flood risk and choose a policy that fits your needs. They can compare NFIP rates with private flood insurance options. They also assist with policy renewals and claims questions.
How long does it take to get flood insurance in Troy?
NFIP policies typically have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. It is wise to start the process well before any forecasted storm or flood event.
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