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Farmington Hills, Michigan Home Insurance

Home of the famous Holocaust Memorial Center and the Spicer Orchards, Farmington Hills provides homeowners with a unique blend of history, nature, and modern amenities. The ideal location of the city in the heart of Oakland County, Michigan makes it a desirable place to live. However, with the increasing cost of living in the area, protecting your home and assets with homeowners’ insurance is now more important than ever before.


Damages from fire, theft, windstorms and other natural disasters are all covered by a Farmington Hills homeowners insurance policy. It also provides personal liability protection in the event someone is injured while on your property or if you accidentally cause damages to another person’s property. Optional coverage such as additional living expenses, identity theft protection, and pet injury coverage can also be included in your policy.

We Are Farmington Hills' Leading Homeowners Insurance Agency

At Oakland Insurance we help Farmington Hills homeowners secure the coverage they need at a price they can afford. Our team of experienced insurance agents have the knowledge and expertise to get you the right policy for your specific needs. We’ll promptly verify your home’s value and make sure that your current coverage is up-to-date.


We’ll also help you understand the importance of having an adequate amount of coverage in place, as well as any discounts that may be available to you. Fill out our online form today and let us help you find the best Farmington Hills homeowners insurance or auto insurance policy for your budget.

Types of Homeowners Insurance Policies Available In Farmington Hills

At Oakland Insurance, we offer a variety of different home insurance policies for Farmington Hills homeowners. These include:


  • Standard HO-3 policy – This is the most popular type of homeowners insurance and covers your dwelling, other structures, personal property and loss of use. It also provides personal liability protection.
  • HO-5 policy – Also known as an ‘open peril’ policy, this type of coverage provides you with the most comprehensive protection available.
  • HO-4 renters insurance – This is the ideal solution for renters in Farmington Hills and covers your personal property, liability and living expenses should an incident occur. It also provides additional replacement cost coverage and higher limits on personal liability.
  • HO-6 condo insurance – Condo owners in Farmington Hills can benefit from this type of policy, which covers personal property and liability. Condo insurance also adds protection for improvements and alterations to the unit, as well as coverage for assessments imposed by the condo association.
  • HO-8 policy – This type of policy is designed for older homes or historic buildings and provides coverage for the structure’s actual cash value, as opposed to its replacement cost.
  • Earthquake and flood insurance – These are two types of coverage that are not included in most standard homeowners policies and must be purchased separately. Although the likelihood of an earthquake or flood occurring in Farmington Hills is low, these policies will provide you with peace of mind should such an event occur.

Other Coverage Options for Farmington Hills Homeowners

In addition to the types of policies mentioned above, Oakland Insurance also offers a wide range of additional coverage options for Farmington Hills homeowners. These include:


  • Identity theft insurance – Protects you from losses associated with identity theft.
  • Pet injury coverage – Covers medical expenses if your pet is injured in an accident.
  • Additional living expenses – Covers the cost of additional accommodations if you are unable to live in your home due to damage caused by a covered event.
  • Scheduled personal property endorsements – Provides additional coverage for high-value items such as jewelry, antiques, art and other collectibles.
  • Personal umbrella policy – Covers you in the event of a lawsuit or claim that exceeds the limits of your homeowners' policy.


It is important to note that coverage and discounts vary by policy, so it is important to speak with an Oakland Insurance agent in order to determine the best policy for your specific needs.

Home Insurance for High-Value Properties in Farmington Hills, Michigan

High-value homes in Farmington Hills often require specialized coverage in order to protect their assets. Oakland Insurance offers a range of additional coverages for luxury homes, including:


  • Replacement cost coverage – This type of coverage pays for the complete replacement or repair of damaged property with no deduction for depreciation.
  • Inflation guard endorsement – This provision will adjust your policy limits over time in order to keep up with the rising cost of living.
  • Increased liability coverage – This type of coverage will provide additional protection should you be sued as a result of an incident at your home.
  • Personal property valuation – This endorsement allows you to have your belongings appraised and have them covered for their actual value.
  • Valuable items coverage – Provides additional protection for jewelry, art, antiques, and other high-value items.


With the right type of coverage, you can rest assured that your home and its contents will be protected in the event of loss or damage.

How Much Does Home Insurance Cost in Farmington Hills?

The cost of home insurance in Farmington Hills will depend on a variety of factors, such as the coverage type and limits you choose, the size and age of your home, and the location. On average, a standard homeowners policy that offers coverage of up to $243,500 in Farmington Hills costs $1,128 per year.



However, Oakland Insurance offers a variety of discounts and programs that can help you save on your premium. For example, our Multi-Policy Discount allows you to save up to 15% when you bundle two or more policies with us. Additionally, we offer a Home Security Discount for homes with certain safety features, such as smoke detectors and security systems.

Contact Us Today for Home Insurance in Farmington Hills

Oakland Insurance is proud to be the leading provider of home insurance in Farmington Hills. Our experienced agents are available to answer any questions you may have about coverage and discounts and will work with you to create a policy that meets your specific needs. Contact us today for more information about our home insurance policies and to get a free, no-obligation quote. Let us help you protect your most valuable asset – your home.

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