Find the Best Home Insurance Providers in Chelsea, MI 48118

Searching for home insurance in Chelsea, MI? This local directory is designed to help homeowners, renters, and landlords connect with nearby home insurance agents and companies offering competitive coverage options. Whether you’re a first-time homeowner, protecting a vacation home, or renewing your existing policy, this page connects you with a range of service providers in your area.


Home Insurance Options in Chelsea, MI

Protecting your home in {City} starts with choosing the right insurance provider. Based on coverage options, affordability, and customer satisfaction, these top-rated home insurance companies offer trusted protection for homeowners in {City}.

Curran Agency

522 North Main St, Chelsea, MI
Finance and Insurance

B E B Insurance Agency

1603 South Main St, Chelsea, MI
Finance and Insurance

Gene Court Homeowners

1292 Ridge Road, Chelsea, MI
Other Services (except Public Administration)

Faulk Bradley

1307 South Main St # B, Chelsea, MI
Finance and Insurance

Gladimhome Inc

140 West Middle St # A, Chelsea, MI
Health Care and Social Assistance

Lewis Homes LLC

23351 Redwood Drive, Chelsea, MI
Retail Trade

Bradley Faulk-Allstate Agent

1307 South Main St # B, Chelsea, MI
Finance and Insurance

Synergy Home Care

140 W Middle Street
Suite A, Chelsea, MI

State Farm Insurance

12671 East Old Us Highway 12, Chelsea, MI
Finance and Insurance

Abbott & Fillmore Agency Inc

Po Box 247, Chelsea, MI
Finance and Insurance

Maywood Group

511 Maywood St, Chelsea, MI
Health Care and Social Assistance

Springer Agency Inc

115 Park St # 2, Chelsea, MI
Finance and Insurance

United Methodist Retirement Hm

805 West Middle St, Chelsea, MI
Health Care and Social Assistance

Silver Maples of Chelsea

100 Silver Maples Dr, Chelsea, MI

James W Hubbell

310 North Main St, Chelsea, MI
Health Care and Social Assistance

Chelsea Care Home Health

775 South Main St, Chelsea, MI
Health Care and Social Assistance

Cole Funeral Chapel

214 East Middle St # 1, Chelsea, MI
Other Services (except Public Administration)

Farmers Insurance - James Fedewa

310 N Main St Suite 120, Chelsea, MI

Staffan-Mitchell Funeral Home

901 North Main St, Chelsea, MI
Other Services (except Public Administration)

Rick Eder Agency

1250 South Main St # 1c, Chelsea, MI
Finance and Insurance

Anthony E Chiodo M D P C

5915 Sibley Road, Chelsea, MI
Finance and Insurance

Tripoint & Assoc Inc

115 Park St # 2, Chelsea, MI
Finance and Insurance

Chelsea Retirement Community

805 West Middle St, Chelsea, MI
Health Care and Social Assistance

John Dettling Jr Office

13164 Essex Court, Chelsea, MI
Finance and Insurance

Robert Ponte Attorney

220 West Middle St, Chelsea, MI
Professional, Scientific, and Technical Services
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Home Insurance Options in Chelsea, MI

The providers listed in this directory offer a range of home insurance products, which may include:

  • Standard HO-3 policies (dwelling, liability, and personal property)

  • Condo insurance (HO-6)

  • Renters insurance (HO-4)

  • Landlord or rental property insurance

  • Flood and earthquake coverage (where applicable)

  • High-value home policies

  • Vacant home insurance

  • Umbrella liability protection


Types of Coverage You May Need in Chelsea

Basic Homeowners Insurance (HO-3)

This standard policy protects the physical structure of your home, your belongings, and provides liability coverage in case someone is injured on your property.

Common searches:
“Home insurance quotes in Chelsea”
“Best homeowners insurance companies near me”


Renters Insurance (HO-4)

If you're renting, renters insurance protects your personal property from fire, theft, or vandalism and may include liability coverage.

Related queries:
“Cheap renters insurance MI”
“Do landlords require renters insurance in Chelsea?”


Condo Insurance (HO-6)

Covers the interior of your condo unit, personal property, and liability protection. Often used alongside the condo association’s master policy.

Searched as:
“Condo insurance in 48118”
“HO-6 insurance policy for condos”


Landlord Insurance

Provides coverage for rental properties, including the structure, liability protection, and loss of rental income.

Also searched:
“Rental property insurance Chelsea”
“Landlord insurance policies near me”


Additional Coverage Options

  • Flood Insurance (especially if your property is in a FEMA-designated flood zone)

  • Earthquake Insurance (depending on region)

  • Scheduled personal property (for jewelry, collectibles, etc.)

  • Umbrella Liability Policies for broader protection


Popular Home Insurance Searches in Chelsea, MI

This page is structured to align with common local user intent, such as:

  • “Compare home insurance quotes 48118”

  • “Best homeowners insurance for new homebuyers”

  • “Cheap home insurance in Chelsea”

  • “Do I need flood insurance in MI?”

  • “Top-rated home insurance companies near me”


What Impacts Home Insurance Rates in Chelsea?

Home insurance premiums can vary significantly based on:

  • Age, size, and rebuild cost of your home

  • Proximity to fire stations and hydrants

  • Local weather and natural disaster risks

  • Claims history (yours and the home’s)

  • Your credit score (in most states)

  • Bundled policies (home + auto = discount)

  • Deductible amount and coverage limits

Providers listed here may offer free quotes, local risk assessments, and assistance with selecting policy add-ons.


Why Use This Home Insurance Directory for Chelsea?

  • Neutral Listings: No promotions or paid placement

  • Search Engine Optimized: Designed to match common queries and ranking signals

  • Local Focus: Specifically for Chelsea, 48118, and surrounding areas

  • User Friendly: Contact providers directly—no account required


Frequently Asked Questions (FAQ)

What is the average cost of home insurance in Chelsea?

Homeowners insurance costs vary by property size, location, and risk factors. Use this directory to compare providers and request accurate quotes for your specific situation.

Can I bundle my home and auto insurance in MI?

Yes, many providers offer discounts when you bundle multiple policies. It’s one of the most effective ways to lower your total premium.

Do I need flood insurance in Chelsea?

It depends on your home’s location. Standard policies don’t cover flood damage. If your home is in a flood zone, you may need a separate NFIP-backed or private flood insurance policy.

Are there home insurance policies for rental properties?

Yes. Landlord or rental dwelling policies cover the structure, liability risks, and may include loss of rental income coverage.

How do I compare home insurance quotes?

Reach out to several local providers listed on this page. Be sure to ask about deductibles, exclusions, replacement value vs. actual cash value, and available discounts.


Start Comparing Home Insurance Providers in Chelsea, MI

Whether you're buying a new home or renewing your coverage, use this directory to explore local and national home insurance providers. Many offer free estimates, customizable policy options, and discounts for bundled services. Protect your investment with the right coverage tailored to your needs.