Gompers Cornish & Barr
22955 21 Mile Rd, Macomb, MI 48042
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Macomb households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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22955 21 Mile Rd, Macomb, MI 48042
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46401 Romeo Plank Rd, Ste 3A, Macomb, MI 48044
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46401 Romeo Plank Rd, Ste. 3A, Macomb, MI 48044
View this agency's profile to learn more about their services.
46401 Romeo Plank Rd., Ste. 3A, Macomb, MI 48044
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Macomb residents.
Complete guide to auto and home insurance in Macomb, MI. Learn about Michigan's no-fault system, flood risks, local agents, and average costs for 2026.
Home InsuranceMacomb County home insurance averages $205/month. Learn about frozen pipe coverage, Clinton River flood risk, and rising rates in Warren, Sterling Heights.
Car InsuranceMacomb County auto insurance guide: understand Michigan's no-fault PIP options, save $420 annually with reforms, and navigate M-59's high-risk corridors.
Full coverage car insurance in Macomb County typically costs between $138-260 per month in 2025-2026, depending on your driving record, vehicle, and coverage choices. Macomb County residents saved an average of $420 annually following Michigan's 2019 insurance reform, though rates remain higher than the national average due to Michigan's comprehensive required coverage.
Michigan's no-fault system means your own auto insurance pays your medical expenses after an accident, regardless of who caused the crash. This speeds up medical claims since there's less fighting over fault. You still need liability coverage for damage you cause to others, but your Personal Injury Protection handles your own medical bills.
While not legally required, flood insurance is worth serious consideration in Macomb County. The 2014 Metro Detroit flood caused $1.8 billion in damage across Macomb, Wayne, and Oakland counties, affecting over 100,000 homes—many outside official flood zones. Flood insurance through NFIP averages about $886 annually in Michigan and covers damage that standard homeowners policies exclude.
This depends on your health insurance situation and risk tolerance. Unlimited PIP costs an extra $84 per vehicle in MCCA fees for 2026-2027, while lower options cost just $19 per vehicle. If you have good health insurance that would cover accident injuries, a lower PIP option might make sense. Discuss your specific situation with a local agent who can explain the trade-offs.
Homeowners insurance in Macomb County typically ranges from $185-215 per month, based on Michigan's statewide average of $183 monthly and Detroit metro area rates. Your actual cost depends on your home's value, age, condition, and location. Michigan rates are 37% below the national average, making homeowners insurance relatively affordable compared to other states.
Yes, bundling auto and home insurance with the same carrier typically provides significant discounts, often 15-25% off your total premium. Local Macomb County agents can help you bundle policies and ensure there are no coverage gaps between them. Bundling also simplifies your insurance management with one agent handling all your policies.
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