(248) 647-2500

Call us today!

Novi, Michigan Home Insurance

The 12th best place to live in Michigan, Novi has a lot going for it. Homeowners here enjoy a great mix of suburban and urban amenities, including plenty of green spaces, local attractions, and recreational activities. Our favorites are The Detroit Zoo, the Suburban Collection Showplace, and the Novi Public Library System.


Like other cities in Michigan, however, Novi carries its own share of risks. These include the risk of Michigan’s natural disasters, such as hail and windstorms, flooding, tornadoes, and extreme heat or cold. A surefire way to your home from these risks is to invest in a comprehensive homeowners insurance policy.

We Are a Leading Homeowners Insurance Agency in Novi

The team at Oakland Insurance is here to make sure you get the coverage you need. We have been providing homeowners insurance in Novi and throughout Michigan for more than 30 years. As a leading home and auto insurance agency in the area, we are committed to providing you with the best coverage at an affordable rate. Our team of experienced agents will work with you to create a plan that is tailored to your needs and budget.

Home Insurance Coverage Options in Novi, Michigan

A comprehensive home insurance policy typically includes several components that cover a range of risks. At Oakland Insurance, we offer the following coverage options:


  • Property Damage – This covers damage to your home and any other structures on your property as a result of a covered peril, such as fire or theft.
  • Liability Protection – If you are found liable for an accident on your property, this will provide financial protection against medical bills and legal fees.
  • Personal Property Coverage – This provides coverage for personal belongings that are damaged or stolen due to a covered peril.
  • Additional Living Expenses – If you need to live elsewhere while repairs are being done on your home, this covers the cost of additional living expenses such as hotel stays, meals, and transportation.
  • Replacement Cost Coverage – This pays for the cost of replacing your home with one of like kind and quality in the event it is destroyed in a covered peril.


In addition to the coverage options listed above, Oakland Insurance can provide additional coverage tailored to your needs. These include supplemental coverages such as personal injury protection (PIP) and umbrella liability.

The Types of Homeowners Insurance We Offer

At Oakland Insurance, we understand that every homeowner in Novi has different needs. That’s why we offer a wide range of homeowners insurance policies to meet your individual needs and budget.


  • Basic Form – This is the most basic type of policy available and is often used by those with basic coverage requirements. It provides property damage coverage for losses caused by certain named perils, such as fire, lightning, windstorms, hail, and theft.
  • Broad Form – This covers more risks than the Basic form does but does not provide coverage for any water-related claims or personal liability.
  • Special Form – This is the most comprehensive type of homeowners insurance available in Michigan. It provides coverage for all risks except those specifically excluded in the policy, including water damage and personal liability.


Novi homeowners can choose from several types of coverage limits for each type of home insurance policy. Whether you need basic, broad, or special form coverage, our experienced agents are here to help you find the right policy that meets your needs and budget.

Novi Condo Insurance

To qualify for homeowners insurance in Novi, you must own the property. For those living in condominiums or other rental dwellings, a separate condo insurance policy is necessary. We offer comprehensive condo insurance for those who need it and can provide assistance with selecting the right limits and deductibles to meet your needs.

Novi Vacation Home Insurance

Whether you own a vacation home in Novi or elsewhere, Oakland Insurance can provide the coverage you need. Our policies are designed to protect your vacation home against any damages caused by certain named perils and also provide protection for any personal belongings stored in the property while it is vacant.

Novi Second Home Insurance

Second homes often require additional coverage, which is why Oakland Insurance offers specialized second home insurance policies for those in Novi. Our plans provide the added protection that you need and can be tailored to meet your individual needs.

Mobile Home Insurance

Whether you own a mobile home or you rent a lot for your mobile home, Oakland Insurance provides comprehensive coverage. Our policies are designed to safeguard your residence and protect any personal belongings that you keep in it.

How Much Does Homeowners Insurance Cost in Novi?

The average cost of home insurance in Novi is $1,146 per year, which is 6% less than Michigan's average. Your actual cost will depend on several factors, including the value of your home, the amount of coverage you need, and any additional endorsements or riders that you choose to add.


That said, you can take some measures to save money on your Novi homeowner's insurance:


  1. Bundle Your Home and Auto Insurance – By bundling your home and auto insurance with the same insurer, you can often save up to 20% on your annual premiums.
  2. Increase Your Deductible – The higher your deductible, the lower your premium.
  3. Install Home Security Systems
  4. Use Impact-Resistant Roofing Materials
  5. Install Smoke and Carbon Monoxide Detectors
  6. Add Wind Mitigation Measures
  7. Obtain Discounts for Having Good Credit, Being a Non-Smoker, and More


The best way to get the right coverage at the most affordable rate is to compare quotes from multiple insurance companies.

Contact Us for Homeowners Insurance in Novi

Whether you’re looking for basic form coverage or special form coverage, Oakland Insurance has got you covered. Our experienced agents will work with you one-on-one to create a plan that meets your needs and budget. Contact us today to get started on finding the perfect home insurance policy in Novi!

REQUEST A QUOTE

Speak with a home insurance specialist today!

Get started today!

Prefer to speak with an agent now?

Contact Us

Share by: