The top-rated landlord 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, Michigan Insurance and Financial Services. This directory lists 19 landlord 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 | Michigan Insurance and Financial Services | 26503 Harper Ave | (586) 218-5980 |
| 5 | DDI Insurance Agency | 24522 Harper Ave | (313) 925-3216 |
| 6 | Goosehead Insurance - Joe Manzella | 23000 Greater Mack Ave Suite 400 | (313) 314-2227 |
| 7 | Joe Manzella Agency - Goosehead Insurance | 23000 Greater Mack Ave 2nd Floor, Suite 400 | (313) 314-6811 |
| 8 | Serena Clarke - State Farm Insurance Agent | 28800 Harper Ave B | (586) 445-2444 |
| 9 | Jeffery Torrice: Allstate Insurance | 22811 Greater Mack Ave Ste 214 | (313) 881-0200 |
| 10 | Farm Bureau Insurance - Paul Genaw | 23420 Greater Mack Ave C | (586) 218-7795 |
Tom Peck - State Farm Insurance Agent serves St Clair Shores and Macomb County as a landlord insurance agent. The company provides property protection policies tailored for residential rental property owners. These policies typically cover dwelling damage, loss of rental income, and liability for tenant injuries on the premises. Tom Peck also assists clients with personal insurance needs alongside commercial property coverage. Specific services include liability coverage for rental units and protection for loss of rental income.
Located in St Clair Shores, MI, Sue Crowe - State Farm Insurance Agent provides a range of essential landlord insurance services for property owners. It offers coverage plans designed to protect rental investments from common property-related risks. Routine policy maintenance options are available to adjust coverage as portfolio needs evolve. The agency services a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Lakepointe Insurance Agency in St Clair Shores, Michigan serves homeowners, residential property owners, and small-scale landlords seeking coverage for rental dwellings. The agency provides landlord insurance policies that address property damage, liability, and loss of rental income. Clients can discuss their specific rental property needs with an agent who understands local regulations and market conditions. This office also assists property investors and landlords in nearby communities such as Roseville and the broader Macomb County area.
Michigan Insurance and Financial Services in St Clair Shores offers both one-time landlord policies for single properties and recurring service for multiple-unit portfolios, ensuring continuous protection under one agency. Coverage typically includes property damage, liability for tenant injuries, and loss of rental income during repairs. The agency tailors each policy to match the specific risk exposure of local rental housing. Service runs on a scheduled annual renewal basis with as-needed adjustments when tenants change or properties are updated.
DDI Insurance Agency offers specialized coverage for residential landlords, including protection for rental properties and liability exposure. The agency serves property owners in St Clair Shores, MI, providing general landlord insurance services such as policy reviews and claims support. With the seasonal risk of frozen pipes during harsh Michigan winters, DDI Insurance Agency helps landlords secure coverage for water damage and vacant unit maintenance concerns.
Goosehead Insurance - Joe Manzella serves as a local landlord insurance agent in St Clair Shores, MI. This agency assists property owners in securing coverage for rental dwellings and residential income properties. It can structure policies that include liability protection, building replacement, and loss of rental income provisions. Additional specialty add-ons often include coverage for vandalism, theft, and natural disasters common to the Great Lakes region. The agent can service a diverse set of commercial sectors, including office complexes, warehouse facilities, and food service establishments.
As winter conditions near metro Detroit, properties face freeze risks and ice dam concerns that threaten damage. The Joe Manzella Agency - Goosehead Insurance in St Clair Shores, MI assists with landlord insurance needs, helping property owners secure coverage that addresses these seasonal hazards alongside liability and rental income protection. They work with clients to understand policy options tailored for rental properties. A consult begins with a review of the specific property and the owner’s risk exposure. An agent examines the building and current coverage to guide the initial assessment step.
Serena Clarke, operating as a State Farm Insurance Agent in St Clair Shores, MI, provides residential landlord insurance for owners of single-family rental homes and small multi-unit properties. The agency also extends commercial coverage options for larger rental structures within the local service area. This tenant-focused insurance protects property assets and rental income from common risks. After an initial policy is set up, the agent provides follow-up support between regular visits to adjust coverage as property portfolios change or new dwellings are added.
Jeffery Torrice: Allstate Insurance serves St Clair Shores, MI and the surrounding communities, handling landlord insurance policies for residential and small commercial rental properties. It covers common exposures such as property damage, liability protection, and potential loss of rental income. The agency takes a consultative approach, assessing each property’s specific risks and coverage needs to tailor a plan. It coordinates with property owners to review policy limits and endorsements, ensuring the insurance adapts to different property types and tenant situations.
What Does a a Landlord Insurance Agent in St Clair Shores Cost?
Landlord insurance in Michigan typically costs between 15 and 30 percent more than standard homeowners insurance. For a single family rental in St Clair Shores annual premiums often range from 600 to 1500 dollars depending on property value location and coverage limits. Factors like the age of the property and number of units also affect pricing. This is general information and not insurance advice.
About landlord insurance agents in St Clair Shores
Landlord insurance agents in St Clair Shores Michigan help rental property owners protect their investments. Michigan law does not require landlord insurance but mortgage lenders often mandate it. Local agents understand the risks specific to Macomb County including water damage from Great Lakes weather.
Frequently Asked Questions
What does landlord insurance cover in St Clair Shores Michigan?
Landlord insurance typically covers property damage liability and lost rental income. In Michigan policies may include coverage for sewer backup and ice dam damage common in winter. It does not cover tenant personal belongings.
Is landlord insurance required by Michigan law?
Michigan does not have a state law requiring landlord insurance. However most mortgage lenders in St Clair Shores require a policy as a condition of the loan. Some HOAs and condo associations also require proof of coverage.
How do Michigan landlord insurance agents handle claims?
Agents help you file claims with your insurance company and explain your policy limits. Michigan has a statute of limitations for property damage claims which is typically one year from the date of loss. An agent can guide you on timely reporting.
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