The top-rated landlord insurance agent in Clinton Township, Michigan is First Independent Insurance Agency, rated 4.9 stars across 594 reviews. Other highly rated options include Royal Oath Insurance Group, AAA Insurance - Schnaidt Agency, Steve Barkley - State Farm Insurance Agent. This directory lists 23 landlord insurance agents serving Clinton Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Independent Insurance Agency | 15945 Canal Rd | (586) 247-2220 |
| 2 | Royal Oath Insurance Group | 42536 Hayes Rd Suite 400 | (586) 238-3535 |
| 3 | AAA Insurance - Schnaidt Agency | 35927 Southbound Gratiot Ave | (586) 838-2555 |
| 4 | Steve Barkley - State Farm Insurance Agent | 37211 Harper Ave Ste 5A | (586) 948-9009 |
| 5 | MI Insurance Agency | 40684 Hayes Rd | (586) 354-3462 |
| 6 | Dan Stawinski - State Farm Insurance Agent | 36250 Garfield Rd | (586) 792-1567 |
| 7 | Brian Lane Agency/Farm Bureau Insurance | 21250 Hall Rd #100 | (586) 412-8700 |
| 8 | Inspire Insurance Agency Inc | 20666 Hall Rd | (586) 421-5961 |
| 9 | L.A. Insurance | 37041 Gratiot Ave | (586) 954-4690 |
| 10 | McGovern Agency | 37102 S Groesbeck Hwy | (586) 464-2400 |
First Independent Insurance Agency serves the Clinton Township, Michigan, metro area as a landlord insurance agent. It offers policies tailored for property owners who rent out residential units. Coverage typically includes dwelling protection, liability coverage for tenant injuries, and loss of rental income. The agency helps local landlords manage the risks of property damage, vandalism, and litigation. It handles policy options for single-family rental homes, multi-unit apartment buildings, and condominium units.
Royal Oath Insurance Group in Clinton Township, MI, provides landlord insurance services including property protection, liability coverage, and loss-of-income policies. It offers service plans that help property owners manage routine maintenance and coordinate repairs after covered incidents. Its maintenance plans assist landlords in preserving property value through regular inspections and upkeep scheduling. The agency services a variety of rental properties, including single-family homes, apartments, retail spaces, and restaurants.
AAA Insurance - Schnaidt Agency serves landlords and property managers in Clinton Township, MI, offering insurance policies that protect rental properties and investment income. Its work involves helping clients secure coverage for property damage, liability risks, and rental income loss from tenant issues or natural events. The agency assists with policy selection tailored to individual portfolios, including single-family homes and multifamily buildings. It also provides guidance on coverage adjustments as local market conditions change. Beyond Clinton Township, the agency extends its services to neighboring Mount Clemens and other parts of Macomb County.
Steve Barkley - State Farm Insurance Agent in Clinton Township, MI offers landlord insurance with distinct approaches for property owners. One-time policies cover a single rental property for a fixed period, while recurring options automatically renew to maintain continuous protection year after year. Coverage typically addresses dwelling damage, liability for tenant injuries, and loss of rental income from covered perils. Property owners can select services that run on either a one-time, scheduled, or completely as-needed basis depending upon their portfolio management needs.
MI Insurance Agency serves Clinton Township and the surrounding communities of Macomb County, offering tailored landlord insurance policies. It handles coverage for residential rental properties, including protection against property damage, liability claims, and loss of rental income. The agency connects property owners with insurers that specialize in risks associated with leasing out homes, duplexes, and small apartment buildings. To handle a typical job, it first assesses the specific rental property and the landlord’s risk exposure, then compares multiple policy options to match coverage limits to the client’s needs.
As winter freeze-and-thaw cycles threaten plumbing in Clinton Township, landlords need coverage that anticipates these risks. Dan Stawinski - State Farm Insurance Agent provides landlord insurance policies tailored for residential rental properties, addressing both property damage and liability concerns from tenant incidents. The agency helps owners understand how local ordinances and older housing stock affect their coverage needs, considering common issues like burst pipes or roof damage from heavy snow. Policies are structured to protect rental income during repair periods, and the process begins with a full property inspection to assess individual risks.
As a landlord insurance agent in Clinton Township, MI, Brian Lane Agency/Farm Bureau Insurance specializes in policies that protect residential rental properties and their owners. It also provides general insurance services to local landlords, ensuring coverage fits specific property needs. The agency helps clients navigate common risks like tenant damage, liability claims, and unforeseen vacancy periods. During Michigan’s harsh winter months, it assists landlords in addressing policy implications of frozen pipes and roof damage from snow and ice.
Inspire Insurance Agency Inc in Clinton Township, MI works with property owners to design tailored coverage that protects rental investments. Its specialty add-ons address specific landlord exposures such as loss of rental income, vandalism, and liability for tenant injuries. The agency also structures policies to include ordinance or law coverage for older buildings requiring code-compliant repairs. For commercial real estate sectors, Inspire Insurance Agency Inc can serve offices, warehouses, and food service establishments needing distinct risk management for their specialized operations.
L.A. Insurance in Clinton Township, Michigan, offers both one-time policy placements for a single property and recurring, ongoing landlord coverage for a portfolio. This service focuses on protecting rental properties from tenant damage, liability claims, and loss of rental income. Coverage is tailored to address the unique risks faced by residential and commercial landlords in the region. The agency provides support on an as-needed basis, allowing landlords to request policy reviews, claim assistance, or new quotes whenever a specific need arises.
McGovern Agency offers dedicated landlord insurance services for property owners in Clinton Township, Michigan. They provide tailored policies designed to protect rental properties from common risks such as fire, vandalism, or water damage. Their general brokerage work includes coverage for single-family rentals and multi-unit dwellings. As seasonal weather changes approach, this agency helps landlords secure protection against potential ice dam issues and thaw-related plumbing failures that threaten occupied or vacant units.
What Does a a Landlord Insurance Agent in Clinton Township Cost?
Typical landlord insurance costs in Michigan range from 15 to 25 percent more than standard homeowners insurance. For a single-family rental in Clinton Township, you might pay between 800 and 1,500 dollars per year, depending on the propertys value, location, and coverage limits. Costs vary by case based on factors like the propertys age, condition, and your claims history. This is general information, not insurance advice.
About landlord insurance agents in Clinton Township
A landlord insurance agent in Clinton Township Michigan can help you protect your rental property with coverage tailored to local risks. Michigan law requires landlords to maintain certain property standards, and a good insurance policy can cover liability, property damage, and loss of rental income. Working with an agent who understands Clinton Township and Macomb County can ensure your policy meets state requirements and your specific needs.
Frequently Asked Questions
What does landlord insurance cover in Clinton Township Michigan?
Landlord insurance typically covers the building structure, liability for injuries on the property, and loss of rental income if the property becomes uninhabitable. In Michigan, it may also cover damage from frozen pipes or sewer backups, which are common in Clinton Township winters.
Is landlord insurance required by law in Michigan?
Michigan law does not require landlord insurance by statute, but most mortgage lenders will require it. Additionally, having liability coverage is strongly recommended because Michigan premises liability law can hold landlords responsible for injuries on their property.
How do I choose a landlord insurance agent in Clinton Township?
Look for an agent who has experience with rental properties in Macomb County and understands Michigan insurance regulations. Ask about coverage for specific risks like water damage, fire, and liability. You can compare quotes from multiple agents to find a policy that fits your property and budget.
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