Benefit Review Services, Inc. (brsi)
43370 Mound Rd, Sterling Heights, MI 48314
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Sterling Heights 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.
43370 Mound Rd, Sterling Heights, MI 48314
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39850 Van Dyke Ave, Sterling Heights, MI 48313
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1999 15 Mile Rd, Sterling Heights, MI 48310
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14426 15 Mile Rd, Sterling Heights, MI 48312
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43409 Schoenherr Rd, Sterling Heights, MI 48313
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42370 Van Dyke Ave Suite, #711, Sterling Heights, MI 48314
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Learn about insurance coverage options specific to Sterling Heights residents.
Sterling Heights insurance guide covering auto, home, and local agents. Learn Michigan requirements, average costs, weather risks, and money-saving tips.
Home InsuranceSterling Heights home insurance guide: flood risks, water backup coverage, property values, and NFIP discounts. Get the right coverage for your Macomb County home.
Car InsuranceSterling Heights drivers: understand Michigan's no-fault system, required 50/100/10 minimums, PIP options, and how M-53 traffic affects your rates.
Michigan requires all drivers to carry 50/100/10 liability coverage ($50,000 per person/$100,000 per accident for bodily injury, $10,000 for property damage in other states), Personal Injury Protection (PIP) for medical expenses, and $1 million in Property Protection Insurance (PPI) for property damage within Michigan. Because Michigan is a no-fault state, your own insurance pays for your medical bills regardless of who caused the accident.
The average cost is $2,557 annually for a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible. This is actually $25 less than the national average. Your actual rate depends on factors like your home's age, condition, security features, and your claims history. Auto-Owners Insurance typically offers the most competitive rates in the area.
Yes, most standard homeowners policies cover tornado damage under windstorm protection. However, it's crucial to verify this with your agent because coverage can vary between insurers. Given that Sterling Heights faces real tornado risks during spring and summer storms in southeast Michigan, make sure your policy explicitly includes windstorm coverage before you buy.
Independent agents are often your best bet because they can compare rates from multiple insurance companies at once, potentially saving you hundreds of dollars. They also understand local risks like Michigan's weather patterns and the no-fault auto insurance system. Get quotes from at least three sources—including independent agents and direct carriers—to ensure you're getting the best rate and coverage for your needs.
Sterling Heights faces three main weather threats: tornadoes and severe storms in spring and summer, heavy snow and ice in winter, and hail damage year-round. Make sure your homeowners policy covers windstorm damage, snow and ice damage, and hail. Document your home's condition with photos so you can prove the extent of damage if you need to file a claim.
Absolutely. Most insurance companies offer discounts of 15% to 25% when you bundle your auto and homeowners policies together. Even if one policy costs slightly more with bundling, the overall savings typically make it worthwhile. Ask your agent to quote both bundled and separate policies so you can compare the total cost.
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