Homeowners insurance in Troy, MI
Homes range from starter capes to coastal properties with very different wind and water exposures. An independent agency can compare carriers that fit your home and your area, not just one company's appetite.
Troy, MI market figures computed from public licensing records as of 2026. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.
Homeowners coverage to consider
- Dwelling coverage
- Other structures (garage, fence)
- Personal property
- Personal liability
- Loss of use / additional living expenses
- Scheduled valuables (jewelry, art)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Homes in Troy
Dwelling coverage follows what it would cost to rebuild locally, not the listing price. Housing facts for Troy give that conversation a starting point.
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), for Troy.
Disaster history in Oakland County
Federal disaster declarations are public FEMA records of the events that have hit Oakland County hardest. They're useful context when deciding which coverages and limits matter here.
Source: FEMA public records (disaster declarations), county-level figures for Oakland County.
Independent agencies in Troy
17 businesses listed from public licensing records. Preferred Agencies are clearly labeled and shown first; other listings are alphabetical. Listings are not endorsements.
Troy, MI
In records since 2015 · NPN 8946585 · public licensing record
Troy, MI
In records since 1999 · NPN 3692229 · public licensing record
Troy, MI
In records since 2017 · NPN 18420513 · public licensing record
Troy, MI
In records since 2013 · NPN 16646373 · public licensing record
In records since 2014 · NPN 17102478 · public licensing record
In records since 2023 · NPN 8502439 · public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Other coverage in Troy
Agencies in this market may also help with related lines that have local licensing depth.
Homeowners in nearby markets in Oakland County
Browse nearby markets with enough listed agencies to support a local homeowners page.
Frequently asked questions
How many independent agencies can help with homeowners insurance in Troy, MI?
Public licensing records list 17 independent agencies in Troy, Michigan with qualifications that match homeowners insurance, within Oakland County. Listings are public-record based and are not endorsements.
Can I compare homeowners insurance with agencies near Troy?
Yes. You can request quotes in Troy, or browse Southfield, Farmington Hills, Bingham Farms to compare independent agencies in nearby markets in Oakland County.
What happens after I request homeowners insurance quotes in Troy?
Tell us what you need once. We show who may contact you, then connect you with a licensed independent agency serving Troy. We are not an insurance agency and we do not sell your information into a bidding marketplace.
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately — an agent can walk through whether your location calls for it.
Why do coastal or higher-risk homes get special attention?
Wind, wildfire, and coastal exposure can affect carrier appetite and deductibles in some areas. Independent agents know which carriers write in your area.
Tell us what you need once.
We'll connect you with an independent agency serving Troy, and you'll always know who may contact you.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.