Advisors Insurance Group
19575 Victor Pkwy, Suite 190, Livonia, MI 48152
View this agency's profile to learn more about their services.
City directory
Livonia households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
19575 Victor Pkwy, Suite 190, Livonia, MI 48152
View this agency's profile to learn more about their services.
38145 Plymouth Rd, Livonia, MI 48150
View this agency's profile to learn more about their services.
39111 6 Mile, Livonia, MI 48152
View this agency's profile to learn more about their services.
39111 6 Mile Rd, Livonia, MI 48152
View this agency's profile to learn more about their services.
17177 N Laurel Park Dr, Livonia, MI 48152
View this agency's profile to learn more about their services.
12856 Farmington Rd, Livonia, MI 48150
View this agency's profile to learn more about their services.
32646 Five Mile Road, Livonia, MI 48154
View this agency's profile to learn more about their services.
39293 Plymouth Rd, Ste 139, Livonia, MI 48150
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Livonia residents.
Livonia homeowners pay $1,809/year on average for insurance. Learn about coverage for older homes, winter weather risks, and flood protection.
Car InsuranceNavigate Livonia's no-fault insurance system with confidence. Learn about PIP options, Wayne County minimums, and how to save on coverage near I-96 and I-275.
General Insurance EducationComplete insurance guide for Livonia residents. Learn about Michigan's unique auto requirements, home insurance costs, and coverage options in Wayne County.
Flood insurance is required if you have a mortgage from a government-backed lender and your home is in a high-risk flood zone (Special Flood Hazard Area). Even if it's not required for your property, it's worth considering given Michigan's heavy spring rains and severe thunderstorms. Standard homeowners insurance doesn't cover flood damage at all, so you'll need a separate flood policy through the National Flood Insurance Program or a private insurer.
Homes built in the 1960s and 1970s—which make up much of Livonia's housing stock—typically have outdated electrical systems, original plumbing, and aging roofs. These features increase the risk of claims from fires, water damage, and weather-related damage. However, updating these systems can often qualify you for discounts of 10-20%, making home improvements a smart investment for both safety and insurance costs.
Standard policies in Michigan include only $2,500 coverage for water that backs up through sewers or drains. This won't come close to covering a finished basement destroyed by sewage. You should purchase a water backup endorsement that increases this limit to $10,000 or more—it typically costs less than $100 per year and can save you from a devastating financial loss.
Your dwelling coverage should reflect the cost to rebuild your home at current construction prices, not your home's market value or purchase price. With median home values in Livonia around $283,000 and construction costs at historic highs, work with your agent to calculate replacement cost based on your home's square footage, features, and current labor and material costs. Being underinsured by even 20% could leave you tens of thousands of dollars short if you need to rebuild.
Winter storms with wind gusts of 45-60 mph pose the biggest threat, causing roof damage, downed trees, and power outages. Snow squalls can create dangerous conditions and heavy snow loads on roofs. Livonia has also experienced tornadoes, including one in June 2024 that dropped a tree on a home. Year-round, severe thunderstorms can cause water damage, and spring flooding from snowmelt and heavy rain is a persistent concern.
Yes, through several strategies: bundle your home and auto insurance for 15-25% discounts, raise your deductible to lower premiums, update older systems like electrical and plumbing for improvement discounts, maintain good credit, and shop around with at least three insurers since rates vary significantly. Installing security systems, smoke detectors, and storm shutters may also qualify you for additional discounts.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network