(248) 647-2500

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Home Insurance in Ann Arbor, Michigan

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Phone

(248) 647-2500

Email

hello@oaklandinsurance.com

Location

8055 Ortonville Rd, City of the Village of Clarkston, MI 48348

Speak with us today!

We can help you with any of your insurance needs!

Ann Abor is ranked the 11th-best city to live in Michigan and for some good reasons. Homeowners enjoy a low crime rate, an excellent school system for their children, and plenty of attractions nearby such as the University of Michigan campus. The scenic landscape complements the city’s small-town feel, making it a great place to live. 


Unfortunately, even small towns can experience incidents of theft or natural disasters. In 2020, the city's crime rate exceeded the national average and homeowners still face the many other risks that come with owning a home. For this reason, it’s important for residents of Ann Arbor to know about the different types of home insurance available to them and what is covered by each policy.

We are a Trusted Home Insurance Agency in Ann Arbor, MI

Oakland Insurance Agency is a highly-rated home and auto insurance agency in Ann Arbor. Our aim is to provide adequate coverage to you and your family. We understand that the needs of each individual homeowner can vary depending on their lifestyle, occupation, and other factors. That’s why we take a comprehensive approach to home insurance, ensuring that all aspects of homeownership – from structural protection to liability coverage – are taken into consideration.


For quick quotes and fast service, you can contact us directly on our website or give us a call. We look forward to helping you get the coverage that you need in Ann Arbor.

We Offer Different Types of Home Insurance Policies to Ann Arbor, MI Residents

We understand that every person or family has different needs. That's why we provide various policy options to homeowners in Ann Arbor, so you can choose the coverage that suits your specific situation. These Include:


  • Homeowner's Insurance: This policy covers the property and its contents, as well as any personal liability claims. It can also include costs associated with repairing or replacing structures damaged by hazards such as fire, storms, theft, vandalism, etc.
  • Rental Property Insurance: If you own a rental property in Ann Arbor, renters insurance covers both the building and all of the contents within it. It also includes protection from loss of rental income due to certain covered events such as natural disasters or tenant damage.
  • Landlord Insurance: This type of insurance is specifically designed for landlords who rent out their properties in Ann Arbor. It provides financial protection against liabilities resulting from a tenant's damages, as well as coverage for common areas such as pools and playgrounds.
  • Condo Insurance: Whether you own a condo or rent it out to tenants, this policy provides coverage for both the interior structure of the unit and any personal property contained within it. It also includes liability protection in case someone is injured on your property.
  • Secondary Home Insurance: Your secondary home needs coverage too! This policy offers the same benefits of a homeowner's insurance policy, with additional protection for homes that are used as vacation or rental properties.
  • Vacation Homes Insurance: Be it a cabin in the woods or a beachfront condo, your vacation homes need insurance coverage too. Vacation home insurance covers both the physical structure of the property and any other personal possessions that you keep there.
  • Mobile Home Insurance: Your Ann Arbor mobile home needs comprehensive coverage to protect both the structure and its contents from a variety of hazards. This policy provides financial protection from losses due to fire, theft, floods, windstorms, and more.


At Oakland Insurance Agency, we’re committed to helping Ann Arbor residents find the right home insurance policies for their specific needs — no matter what they may be. We understand that each person has different circumstances, so we work closely with our customers to ensure that their policy selections are tailored to their individual requirements.

What Does Ann Arbor Home Insurance Cover?

Home insurance can provide coverage for a wide range of events and damages, including:


  • Fire damage - includes damage caused by fires, lightning strikes, and other related disasters.
  • Theft or vandalism - coverage for stolen items as well as repair costs associated with property damage.
  • Natural disasters - such as windstorms, floods, earthquakes, and other catastrophic weather-related incidents in Michigan.
  • Liability protection - in case someone is injured on your property or you are held responsible for damages.
  • Additional living expenses - in the event of damage to your home, this coverage helps pay for temporary accommodation.


When selecting a home insurance policy in Ann Arbor, it’s important to ensure that all aspects of your lifestyle and property – such as primary residence status, rental properties, vacation homes and more – are taken into consideration.

How Much Does Home Insurance Cost in Ann Arbor?

The average annual cost of homeowners' insurance in Ann Abor is $906, which is 26% lower than the state average. Premiums may vary depending on the specific coverage and risk factors associated with your property. For example, if your house is located in an area prone to flooding or wildfires, you can expect a higher premium than someone whose home is situated in a low-risk zone.



That said, you can take some proactive measures to help lower your premiums such as installing security systems, updating your roof and wiring, or bundling multiple policies under the same provider. If you need assistance selecting the right policy for your needs, our experienced agents at Oakland Insurance Agency are here to help.

Compare Ann Abor Homeowners Insurance Premiums Today!

The local homeowners' insurance agents at Oakland Insurance are ready to assist you with finding the most comprehensive coverage at an affordable price. All our agents have extensive experience in the Ann Arbor area and can provide personalized advice to help you find the right policies for your unique circumstances.



Fill out our online form today to start comparing home insurance policies and get all your questions answered. Our agents will work with you one-on-one to create the perfect policy that provides comprehensive coverage without breaking the bank.

Don’t wait — contact Oakland Insurance Agency today for your Ann Arbor homeowners' insurance quote!

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