Find the Best Home Insurance Providers in Utica, MI 48317

Searching for home insurance in Utica, 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 Utica, 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}.

Cardamone Insurance Inc

7675 Auburn Road, Utica, MI
Finance and Insurance

Schultz Douglas M

13464 22 Mile Road, Utica, MI
Finance and Insurance

Martin Alan Monaster

48701 Medora Court, Utica, MI
Other Services (except Public Administration)

Sterling Utica Agency

46520 Van Dyke Avenue, Utica, MI
Finance and Insurance

Sma Farmers Insurance

52040 Van Dyke Avenue, Utica, MI
Finance and Insurance

Burke Michael

45700 Mound Road, Utica, MI
Finance and Insurance

John Warren Basinger

8639 Hall Road, Utica, MI
Finance and Insurance

Advocate Claims Services LLC

12850 Julie Ann Court, Utica, MI
Finance and Insurance

Massey Wilson

45700 Mound Road, Utica, MI
Finance and Insurance

Central Land Agency LLC

8300 Hall Road # 120, Utica, MI
Finance and Insurance

Shelby West Mobile Home Comm

12277 Conservation Trail, Utica, MI
Real Estate and Rental and Leasing

Follbaum Insurance Agency

11953 Whispering Oak Lane, Utica, MI
Finance and Insurance

Andrews Dick & Pam Insurance

46729 Van Dyke Avenue, Utica, MI
Finance and Insurance

Creative Home Improvement

50100 Shelby Road, Utica, MI
Retail Trade

Maday II Conrad C

54780 Mound Road, Utica, MI
Finance and Insurance

C B I S

45170 Cass Avenue, Utica, MI
Finance and Insurance

Knights of Columbus Insurance

48711 Van Dyke Avenue, Utica, MI
Finance and Insurance

Compounding Solutions

170o Twenny-Three Mile, Utica, MI
Health Care and Social Assistance

Griswold Home Care

45100 Sterritt St # 104, Utica, MI
Health Care and Social Assistance

Sma Farmers Insurance

52040 Van Dyke Avenue, Utica, MI
Finance and Insurance

Allstate Ruby Davis Agency

50608 Schoenherr Road, Utica, MI
Finance and Insurance

Insight Residential Inspection

4830 Marcella Drive, Utica, MI
Real Estate and Rental and Leasing

Secura Insurance Company

56800 Schoenherr Road, Utica, MI
Finance and Insurance

First Choice Insurance

3886 Auburn Road, Utica, MI
Finance and Insurance

State Farm Insurance

50885 Hayes Road, Utica, MI
Finance and Insurance


Home Insurance Options in Utica, 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 Utica

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 Utica”
“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 Utica?”


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 48317”
“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 Utica”
“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 Utica, MI

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

  • “Compare home insurance quotes 48317”

  • “Best homeowners insurance for new homebuyers”

  • “Cheap home insurance in Utica”

  • “Do I need flood insurance in MI?”

  • “Top-rated home insurance companies near me”


What Impacts Home Insurance Rates in Utica?

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 Utica?

  • Neutral Listings: No promotions or paid placement

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

  • Local Focus: Specifically for Utica, 48317, and surrounding areas

  • User Friendly: Contact providers directly—no account required


Frequently Asked Questions (FAQ)

What is the average cost of home insurance in Utica?

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 Utica?

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 Utica, 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.