Action Benefits Insurance Agency
25800 Northwestern Hwy, Suite 600, Southfield, MI 48075
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Southfield households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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25800 Northwestern Hwy, Suite 600, Southfield, MI 48075
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24901 Northwestern Highway, Suite 410, Southfield, MI 48075
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20245 W. 12 Mile Rd, Ste 130, Southfield, MI 48076
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26261 Evergreen Rd, Ste 530, Southfield, MI 48076
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28715 Marshall St., Southfield, MI 48076
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One Towne Square, Suite 700, Southfield, MI 48076
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Learn about insurance coverage options specific to Southfield residents.
Get the complete guide to auto, home, and other insurance in Southfield, Michigan. Learn about no-fault requirements, costs, and local agents.
Home InsuranceLearn about home insurance costs, weather risks, and coverage options for Southfield, Michigan homeowners in 2025. Compare rates and find savings.
Car InsuranceSouthfield auto insurance guide: Michigan's no-fault system, unlimited PIP options, I-696 accident rates, and Oakland County costs. Get the coverage you need.
Michigan requires more comprehensive coverage than most states, including mandatory Personal Injury Protection (PIP) and Property Protection Insurance up to $1 million. The no-fault system also means insurance companies pay out more in medical claims regardless of fault, which drives up premiums. However, Southfield residents typically pay below the state average at around $136 per month.
In Michigan's no-fault system, your own insurance company pays your medical expenses and certain other losses after an accident, regardless of who caused it. This means faster payment of claims, but limited ability to sue the other driver except in cases of serious injury. You must carry Personal Injury Protection coverage to handle these expenses.
Southfield isn't in a high-risk flood zone, but Michigan does experience heavy rainfall and snowmelt that can cause localized flooding, especially in basements. Standard homeowners insurance doesn't cover flood damage, so if your property is prone to water intrusion, a separate flood policy is worth considering through NFIP or a private insurer.
The average homeowners insurance cost in Southfield is about $2,084 annually, which is nearly identical to Michigan's state average. This makes Southfield competitively priced compared to other Oakland County cities. Your specific rate will depend on factors like your home's age, value, and your claims history.
Michigan requires bodily injury liability of at least $50,000 per person and $100,000 per accident, property damage liability of $10,000, Personal Injury Protection (PIP) coverage, and Property Protection Insurance. These requirements are more comprehensive than most states, so make sure your policy meets all state mandates.
Local agents understand Oakland County's specific risks and know which carriers offer the best rates in your area. They can bundle policies for maximum discounts and provide personalized service when you need to file a claim. Southfield has six independent agencies plus corporate offices, giving you plenty of options for local expertise.
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