The top-rated flood insurance agent in Waterford Township, Michigan is Joe Fagan - State Farm Insurance Agent, rated 4.9 stars across 473 reviews. Other highly rated options include J. Bejin & Associates, Acrisure Waterford Township, MI (Select Underwriters), AAA Insurance - Jon Gilroy Insurance Agency. This directory lists 20 flood insurance agents serving Waterford Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joe Fagan - State Farm Insurance Agent | 6909 Highland Rd | (248) 666-2590 |
| 2 | J. Bejin & Associates | 2300 Dixie Hwy Suite 415 | (248) 599-9076 |
| 3 | Acrisure Waterford Township, MI (Select Underwriters) | 100 N Williams Lake Rd Suite A | (248) 698-7600 |
| 4 | AAA Insurance - Jon Gilroy Insurance Agency | 5324 Highland Rd | (248) 618-3665 |
| 5 | Acrisure Waterford Township, MI (Huttenlocher Group) | 1007 W Huron St | (248) 681-2100 |
| 6 | Hutchison's Insurance Agency, LLC | 3392 Sashabaw Rd | (248) 674-0464 |
| 7 | Sean Flynn - State Farm Insurance Agent | 4182 Pontiac Lake Rd | (248) 618-9812 |
| 8 | Vikings Insurance Agency | 4209 Sashabaw Rd | (248) 674-2271 |
| 9 | Farm Bureau Insurance - The Milner Agency | 3756 Sashabaw Rd | (248) 599-3135 |
| 10 | L.A. Insurance | 3505 Elizabeth Lake Rd | (248) 681-9800 |
Joe Fagan’s State Farm Insurance Agency serves the Waterford Township area and surrounding Oakland County communities. The agency specializes in flood insurance, helping local property owners secure coverage against water damage from natural events like heavy rains and snowmelt. As a flood insurance agent, it works with homeowners and renters to evaluate their risk and choose appropriate policies. The office handles claims assistance and provides guidance on the National Flood Insurance Program’s specific waiting periods for new policies in this region.
J. Bejin & Associates provides flood insurance guidance and policy placement services for properties in Waterford Township, MI. It helps clients assess their flood risk and navigate available coverage options through the National Flood Insurance Program. The company assists with initial policy setup and offers ongoing support for policy maintenance, renewals, and claims filing. It serves a range of properties, including single-family homes, apartments, retail establishments, and restaurants in the local area.
Acrisure Waterford Township, MI (Select Underwriters) serves homeowners, businesses, and property managers in the area by providing flood insurance policies required by lenders or sought for property protection. Its agents help clients navigate National Flood Insurance Program options and private market alternatives to secure coverage appropriate for local flood zone risks. The office addresses questions about policy limits, deductibles, and elevation certificates. It also offers services to residents and commercial property owners in neighboring Clarkston and the greater Pontiac metro.
Serving Waterford Township and the surrounding communities of Oakland County, AAA Insurance - Jon Gilroy Insurance Agency handles flood insurance policies for residential and commercial properties. The agency guides local homeowners through the complexities of flood risk assessment and National Flood Insurance Program requirements. Its typical job begins with a detailed review of a property’s flood zone designation and past claims history. The agency then works with clients to compare coverage options and secure a policy that fits their budget, using a straightforward, consultative approach to explain every step.
Acrisure Waterford Township, MI (Huttenlocher Group) specializes in tailoring flood insurance policies to local property needs and connects clients with coverage through the National Flood Insurance Program while also advising on various residential and commercial property insurance solutions. It assists property owners in southeastern Michigan in assessing flooding risks from the region’s seasonal storms and snowmelt, helping them secure protection before spring thaw raises water levels in area rivers and lakes.
Hutchison's Insurance Agency, LLC, in Waterford Township, MI, handles flood insurance as either a one-time policy for a single event or a recurring annual plan for ongoing property protection. Coverage typically safeguards structures and contents against rising water from storms or overflowing bodies of water. The agency can tailor a policy to meet individual risk assessments for residential or commercial properties. Their flood insurance service operates on a one-time, scheduled, or as-needed basis to accommodate each client's specific timing needs.
When heavy spring rains or sudden snowmelt threaten basements in Waterford Township, Sean Flynn - State Farm Insurance Agent provides flood insurance policies to protect local homes. As a local flood insurance agent, this office helps homeowners understand their coverage needs and policy options for this specific risk. Many standard homeowners policies exclude flood damage, making a separate policy essential for property owners near lakes or low-lying areas. The agent begins by scheduling a property inspection to evaluate the home’s flood risk and discuss available coverage limits.
Vikings Insurance Agency in Waterford Township, MI, helps property owners understand their need for flood coverage beyond standard policies. As a flood insurance agent, the company reviews local flood zone maps to guide clients on obtaining the right protection. It can serve commercial properties, including offices, warehouses, and food service establishments, ensuring these businesses have appropriate flood insurance solutions for their operational needs.
L.A. Insurance in Waterford Township, Michigan provides residential flood insurance coverage to homeowners seeking protection against water damage. Commercial flood policies are also available for local businesses requiring extended risk management. The agency serves the Waterford Township area with tailored policies. Clients may return for follow-up service or adjustments between regular visits to review evolving coverage needs.
What Does a a Flood Insurance Agent in Waterford Township Cost?
Flood insurance costs in Michigan vary widely based on flood zone property value and coverage amount. NFIP policies average between 700 and 2,000 dollars per year for standard residential coverage. Private flood insurance may cost 500 to 3,000 dollars annually depending on risk factors. This is general information and not insurance advice.
About flood insurance agents in Waterford Township
Flood insurance agents in Waterford Township Michigan help property owners secure coverage through the National Flood Insurance Program or private insurers. Michigan law does not require flood insurance for most homes but lenders may mandate it for properties in high-risk zones. Agents can explain local flood maps and policy options to protect your investment.
Frequently Asked Questions
Do I need flood insurance in Waterford Township Michigan?
Flood insurance is not required by Michigan state law for most properties. However if your home is in a FEMA-designated Special Flood Hazard Area your mortgage lender will likely require it. An agent can check your flood zone status.
What does a flood insurance agent do in Waterford Township?
A flood insurance agent helps you compare NFIP policies with private flood insurance options. They explain coverage limits deductibles and waiting periods. They also assist with filing claims after a flood event.
How long does it take for flood insurance to start in Michigan?
NFIP policies typically have a 30-day waiting period before coverage begins. Private insurers may offer shorter waiting periods or immediate coverage in some cases. Plan ahead to avoid gaps in protection.
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