Home Insurance in Troy, Michigan

Troy is the second best place to live in Michigan, according to Niche.com - higher than Eastgate, Huntington Woods, Beverly Hills and Birmingham. The city's proximity to Detroit and the natural beauty of its rolling hills makes it a great place to settle down for families. We love Troy's vibrant downtown, excellent schools, and family-friendly amenities.

All the same, Troy is still prone to Michigan's natural disasters, burglaries and other mishaps. The high value of Troy's real estate means more losses in the event of a major loss. That's why it is important to have quality home insurance coverage in Troy, Michigan.

Oakland Insurance is dedicated to providing Troy families with the best home and auto insurance coverage from leading carriers. As a local, independent homeowners insurance agency, we leverage our relationships with top-rated carriers to offer the best rates and value. We also take the time to listen carefully so that we can provide the coverage that is best suited for your specific needs.

Fill out our online form today and take advantage of the following benefits:

• Competitive rates from leading carriers
• A no-nonsense approach to home insurance
• 24/7 support and assistance
• Multiple coverage options to suit your needs
• Dedicated claims adjustment team

You'll always be in good hands with Oakland Insurance. We have the expertise and experience to provide you with the best home insurance coverage in Troy, Michigan. Get a free quote today and see why our clients have been trusting us for the past 30+ years.

Home insurance coverage in Troy, Michigan is designed to protect your home and possessions from damage caused by theft, fire, severe weather events, or other common disasters. The following are the most common home insurance coverages:

• Dwelling protection – Coverage to repair or rebuild damaged buildings and structures. This can include structural damage, such as a collapsed roof, or water damage from plumbing issues.
• Personal property coverage – Coverage for the items inside your home, such as furniture and electronics.
• Loss of use coverage – Coverage for additional living expenses if you're forced to move out temporarily while your home is being repaired.
• Liability protection – Coverage for medical bills and property damage if someone is injured on your property.
• Additional coverages – Additional coverage options are available to protect against specific risks, such as flooding and earthquakes coverages, and taking other steps to protect your home.

Troy homeowners’ insurance also provides coverage for special items, such as jewelry and other valuables.

It's important to understand that your home insurance policy in Troy does not cover certain events. The common exclusions include:

• Wear and tear - Damage caused by normal wear and tear will generally not be covered.
• Intentional damage - Damage caused intentionally or as a result of criminal activity or insurance fraud will not be covered.
• Natural disasters - Damage caused by natural disasters such as floods, earthquakes, and hurricanes is usually excluded from home insurance policies.

It is important to understand the coverage and exclusions in your policy. If you're not sure, we can help answer any questions you may have.

Oakland Insurance offers three types of home insurance policies in Troy:

• Basic Form – This policy covers the basics and is designed to provide essential coverage with low premiums. It provides coverage for dwelling protection, personal property protection, liability protection, and loss of use coverage.
• Broad Form – This policy provides more comprehensive coverage than the basic form, including additional coverages for items such as valuables and other personal property.
• Special Form – This is the most comprehensive home insurance policy available. It provides coverage for all aspects of your property, including valuables and liability protection.

Some policies may also provide additional coverage for living expenses and out-of-pocket expenses if you are unable to stay in your home due to a covered peril.

If you own a condominium, Oakland Insurance offers condo insurance to protect your property from damage and liability. Condo insurance is similar to home insurance but it focuses more on the protection of your unit rather than the entire building. 

It covers the interior of your unit, including flooring, walls, fixtures, appliances, and other personal property. It also provides liability coverage in the event someone is injured on your property, as well as additional living expenses if you are unable to stay in your unit due to a covered peril.

We offer several coverage options for condos in Troy, Michigan. We can also customize a policy to fit your specific needs. Contact us today to learn more about the condo insurance products we offer in Troy.

Renters insurance is a form of property insurance designed to protect renters from loss or damage to their personal belongings and liability. 

Renters insurance is a cost-effective way to protect your valuables and provide peace of mind. It provides coverage for your possessions, such as furniture, electronics, and jewelry in the event of theft or damage due to a covered peril. It also provides liability protection in the event someone is injured on your property.



Oakland Insurance offers customizable renters insurance policies for Troy residents. We understand that no two renters are alike, so we offer coverage options to meet your specific needs.

Let our skilled team of agents help you find the best Troy homeowners insurance policy for your needs. 



With Oakland Insurance, you can compare quotes from some of Troy's leading home insurance companies to find the coverage that fits your budget. We make it easy to compare policies and save money on premiums without sacrificing quality coverage. 

Contact us today to get started!