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HomeFlood Insurance AgentsMichigan › Southgate

Find Flood Insurance Agents Near You in Southgate, MI

Browse flood insurance agents serving Southgate, Michigan. Updated 2026-07-14.

The top-rated flood insurance agent in Southgate, Michigan is Kandi Lambert - State Farm Insurance Agent, rated 5.0 stars across 169 reviews. Other highly rated options include Lademan Insurance Agency, Grendel-Wittbold Insurance, Sam Quisenberry - State Farm Insurance Agent. This directory lists 10 flood insurance agents serving Southgate.

Showing 10 flood insurance agents in Southgate, MIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Kandi Lambert - State Farm Insurance Agent13454 Eureka Rd(734) 720-0032
2Lademan Insurance Agency16093 Eureka Rd(734) 284-7500
3Grendel-Wittbold Insurance12850 Eureka Rd(734) 284-4740
4Sam Quisenberry - State Farm Insurance Agent11165 Allen Rd(313) 386-6565
5Gary K Smith Insurance Agency14405 Northline Rd(734) 285-7620
6Brad Baynai - State Farm Insurance Agent18706 Eureka Rd(734) 282-6000
7Brochue Insurance Agency13060 Northline Rd(734) 285-2100
8Kathy Loveridge - State Farm Insurance Agent13344 Dix Toledo Rd Hwy(734) 281-6950
9Stroia Insurance Group13260 Dix Toledo Rd(734) 283-8780
10Auto-Owners Insurance Southgate ClaimsOne Heritage Pl Suite 500(734) 282-7988
KL
13454 Eureka Rd
Kandi Lambert - State Farm Insurance Agent
Flood Insurance Agent · Southgate, MI

Kandi Lambert - State Farm Insurance Agent serves the Southgate, Michigan, metro area in Wayne County, providing flood insurance policies for homeowners and renters. The agency helps clients navigate the National Flood Insurance Program requirements for properties in designated flood zones. It also assists with residential property coverage modifications after flood damage. All policy work is handled directly through the local Southgate office. Common flood insurance services offered here include new policy applications and claim support for water damage events.

LI
16093 Eureka Rd
Lademan Insurance Agency
Flood Insurance Agent · Southgate, MI

Lademan Insurance Agency provides flood insurance policies for properties in Southgate, MI, covering both structure and contents protection. They assist clients with plan selection and offer annual policy reviews to ensure adequate coverage as flood maps change. Policyholders can contact the agency for claim filing support and questions about coverage limits. The agency serves single-family homes, apartments, retail spaces, and local restaurants needing reliable flood protection.

GW
12850 Eureka Rd
Grendel-Wittbold Insurance
Flood Insurance Agent · Southgate, MI

Serving Southgate, Michigan, and the surrounding Downriver communities, Grendel-Wittbold Insurance is a flood insurance agency that assists homeowners and businesses with securing coverage for properties in designated flood zones. The company handles applications for National Flood Insurance Program policies and private market alternatives, helping clients understand their zone-specific risks and federal requirements. To complete a typical job, the agent reviews each property’s flood map designation, calculates necessary coverage levels for the building and its contents, then submits the policy application directly with the chosen provider.

SQ
11165 Allen Rd
Sam Quisenberry - State Farm Insurance Agent
Flood Insurance Agent · Southgate, MI

Homeowners, businesses, and property managers in Southgate, MI rely on Sam Quisenberry - State Farm Insurance Agent for essential flood insurance agent services. The agency helps clients secure coverage to protect assets from water damage and seasonal flood risks common to the region. Consultation determines appropriate policy limits based on local flood zone classifications and property values. Daily operations focus on guiding customers through the National Flood Insurance Program enrollment process smoothly. The office also serves neighboring communities across all of Downriver Wayne County and the greater metro Detroit area.

GK
14405 Northline Rd
Gary K Smith Insurance Agency
Flood Insurance Agent · Southgate, MI

Gary K Smith Insurance Agency in Southgate, MI provides flood insurance services that differ between one-time policy setup guidance and recurring annual coverage adjustments. As a local flood insurance agent, the agency helps property owners understand National Flood Insurance Program options and necessary coverage levels for their specific area. Service can be arranged on an as-needed basis, whether for initial enrollment in a flood zone or for reviewing existing policies before the renewal period begins.

BB
18706 Eureka Rd
Brad Baynai - State Farm Insurance Agent
Flood Insurance Agent · Southgate, MI

Brad Baynai - State Farm Insurance Agent in Southgate, MI, specializes in flood insurance policies to protect residential and commercial properties. It also provides general home, auto, and life insurance services tailored to local needs. Clients in the area often need guidance on National Flood Insurance Program options. The agency assists with policies covering rising water from heavy storms or snowmelt. Seasonal concerns such as spring thaws or the Michigan rain season can increase flood risks, so the agent helps homeowners review their current coverage before weather changes occur.

BI
13060 Northline Rd
Brochue Insurance Agency
Flood Insurance Agent · Southgate, MI

When seasonal heavy rains flood basements and roadways in Southgate, MI, property owners contact Brochue Insurance Agency to review their protection. As flood insurance agents, this company helps residents and businesses understand National Flood Insurance Program policies and private coverage options to safeguard structures and possessions. They focus on matching each client with a policy that fits their property's specific flood risk and budget constraints. The initial step involves scheduling a property inspection to assess elevation, drainage patterns, and potential vulnerabilities before recommending a customized plan.

KL
13344 Dix Toledo Rd Hwy
Kathy Loveridge - State Farm Insurance Agent
Flood Insurance Agent · Southgate, MI

Kathy Loveridge - State Farm Insurance Agent in Southgate, MI, provides general insurance services to local residents and businesses. The agency specializes in flood insurance, helping property owners navigate policies that cover damage from rising water. This agent works with clients to understand coverage options for their specific needs, including protection for homes and commercial properties. The agency can serve various commercial sectors, such as offices, warehouses, and food service operations, ensuring they have adequate flood protection.

SI
13260 Dix Toledo Rd
Stroia Insurance Group
Flood Insurance Agent · Southgate, MI

Stroia Insurance Group, a flood insurance agency based in Southgate, MI, is known for helping homeowners and businesses secure flood coverage backed by the National Flood Insurance Program. The company serves properties across Southeast Michigan, assessing flood risk based on local flood zone maps and elevation data. Its agents guide clients through the 30-day waiting period for new policies and the process for filing claims after a storm. Stroia Insurance Group also specializes in writing excess flood insurance for higher-value properties that need additional protection beyond standard policy limits.

AO
One Heritage Pl Suite 500
Auto-Owners Insurance Southgate Claims
Flood Insurance Agent · Southgate, MI

Auto-Owners Insurance Southgate Claims in Southgate, MI offers residential flood insurance to protect homes from water damage and commercial flood coverage to safeguard business properties in the area. They serve clients in Southgate and the surrounding Michigan region, helping them secure policies that meet local flood risk requirements. After a claim is filed, the agency follows up to arrange necessary repairs and can coordinate repeat service between regular visits to ensure ongoing property protection.

What Does a a Flood Insurance Agent in Southgate Cost?

The cost of flood insurance in Michigan varies by property. A typical NFIP policy for a single-family home in a low-risk zone may cost around 700 to 1,200 dollars per year. In high-risk zones, premiums can range from 1,500 to 4,000 dollars or more depending on elevation and coverage amount. This is general information, not insurance advice.

About flood insurance agents in Southgate

Flood insurance agents in Southgate Michigan help homeowners and renters secure coverage through the National Flood Insurance Program. Michigan law requires flood insurance for properties in high-risk zones if they have a federally backed mortgage. Agents can explain local flood maps and assist with claims after a flood event.

Frequently Asked Questions

Do I need flood insurance in Southgate Michigan?

Flood insurance is required if your property is in a high-risk flood zone and you have a federally backed mortgage. Even outside high-risk zones, flooding can occur, so many residents choose to buy a policy for extra protection.

How does a flood insurance agent help with claims?

An agent can guide you through the claims process, help you document damage, and ensure you meet the 60-day deadline to file a proof of loss under the NFIP. They do not adjust claims but can explain policy terms.

What is the waiting period for flood insurance in Michigan?

Standard NFIP policies have a 30-day waiting period before coverage begins. This applies to new policies and most policy changes. Exceptions exist for loans closing on a property, but plan ahead to avoid gaps.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.