Bergstrom Insurance Agency
30701 W 10 Mile Rd, Suite 400, Farmington Hills, MI 48336
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Farmington Hills households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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30701 W 10 Mile Rd, Suite 400, Farmington Hills, MI 48336
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37560 Enterprise Ct, Farmington Hills, MI 48331
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27555 Farmington Rd, Suite 315, Farmington Hills, MI 48334
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31400 Northwestern Hwy, Ste F, Farmington Hills, MI 48334
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Learn about insurance coverage options specific to Farmington Hills residents.
Complete insurance guide for Farmington Hills covering Michigan no-fault auto insurance, home coverage costs ($1,200-$1,600), and local agents in Oakland County.
Home InsuranceFarmington Hills home insurance costs $1,200-$1,600/year. Learn about winter weather coverage, flood risks, and essential endorsements for Oakland County.
Car InsuranceFarmington Hills drivers pay $2,319/year on average. Learn about Michigan's no-fault system, PIP options, and how to get the right coverage for less.
Your ideal PIP level depends on your health insurance quality. If you have comprehensive health coverage with low deductibles that covers auto accidents, choosing $250,000 or $500,000 PIP can save money. If your health plan has high deductibles or limited coverage, unlimited PIP provides complete medical protection after an accident. Discuss your health insurance with a local agent to make an informed decision.
Homeowners insurance in Farmington Hills typically costs between $1,200 and $1,600 annually, averaging around $154 per month. Your actual premium depends on your home's value, age, construction type, distance from fire stations, and claims history. Homes in high-risk weather zones or with older roofs may see higher premiums.
While not everyone needs flood insurance, it's worth considering if you live near the Rouge River watershed or in low-lying areas. Standard homeowners policies don't cover flood damage, and many costly flood claims occur in moderate-risk areas outside designated flood zones. A local agent can assess your property's flood risk and recommend appropriate coverage through the National Flood Insurance Program or private carriers.
Independent agents work with multiple insurance carriers and can shop your coverage across different companies to find the best rates and coverage combinations. Captive agents work for a single insurance company and only sell that company's products. Independent agents often provide more options, while captive agents may offer deeper expertise in their company's specific products.
Bundling home and auto insurance through the same carrier typically saves 15-25% on your combined premiums. Beyond cost savings, bundling simplifies your insurance management with one agent handling both policies and potentially smoother claims coordination. However, always compare the bundled price against separate policies from different carriers to ensure you're getting the best overall value.
For winter weather protection, ensure your auto policy includes comprehensive coverage for ice and snow damage. On your homeowners policy, verify you have adequate dwelling coverage for roof damage, add water backup coverage for sewer system overflows, and consider increasing your liability limits in case someone is injured on your icy walkway. An ice dam endorsement may also be valuable for older homes.
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