Troy has 87,898 residents in 33,372 households. We list 7 agencies for business owners policy (bop) insurance in Troy. Here is what the local numbers say about the cover people here need.

Troy at a glance

7business owners policy (bop) insurance agencies listed
26.7%of households rentRenters insurance
$420,300median home valueHome insurance
1977median year homes were builtRebuild cost calculator
4.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Oakland County

FEMA rates the overall natural hazard risk in Oakland County, where most Troy agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Troy
Ice stormVery High
Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Troy
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Michigan

Michigan requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $10,000 of property damage liability, often written 50/100/10. It also requires personal injury protection and property protection insurance ($1,000,000). Michigan is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Troy How much liability cover do you need?

Source: michigan.gov, limits in force since 2020-07-01. Checked 2026-10-24.

Where Troy agencies are

Troy agencies we list sit in 3 ZIP codes, mostly in Oakland County.

480845 agencies
480831 agency
480981 agency

Questions

Business Owners Policy (BOP) insurance in Troy

All insurance agencies in Troy · Business Owners Policy (BOP) insurance across Michigan

Where can I find business owners policy (bop) insurance in Troy?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does business owners policy (bop) insurance cover?

Bundles property, liability and business interruption for smaller firms.

Do I need flood insurance in Troy?

FEMA's National Risk Index rates inland flooding risk in Oakland County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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