Kent County has 663,150 residents in 256,648 households. We list 4 insurance agencies in Belmont. Here is what the local numbers say about the cover people here need.

Belmont at a glance

4insurance agencies listed
29.7%of households rentRenters insurance
$289,900median home valueHome insurance
1977median year homes were builtRebuild cost calculator
6.2%of households have no carAuto insurance
3.8%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Kent County (the Census does not publish Belmont as a separate place). Agency count: our listings.

Natural hazard risk in Kent County

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

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 Michigan
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Michigan
Winter weatherRelatively High
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
Ice stormRelatively 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 Michigan How much liability cover do you need?

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

Questions

Insurance agencies in Belmont

How do I find an insurance agency in Belmont?

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.

Do I need flood insurance in Belmont?

FEMA's National Risk Index rates inland flooding risk in Kent 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.

Do I need renters insurance in Belmont?

29.7% of households in Kent County rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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