Livonia has 93,851 residents in 38,348 households. We list 16 insurance agencies in Livonia. Here is what the local numbers say about the cover people here need.

Livonia at a glance

16insurance agencies listed
12.8%of households rentRenters insurance
$281,100median home valueHome insurance
1964median year homes were builtRebuild cost calculator
3.2%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 Wayne County

FEMA rates the overall natural hazard risk in Wayne County, where most Livonia agencies we list are located, as Relatively High 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 Livonia
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Livonia
Inland floodingVery 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 stormVery High
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Livonia

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

What Livonia agencies can write

Share of the 16 agencies listed in Livonia that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Livonia agencies are

Livonia agencies we list sit in 3 ZIP codes, mostly in Wayne County.

481548 agencies
481526 agencies
481502 agencies

Questions

Insurance agencies in Livonia

How do I find an insurance agency in Livonia?

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 insurance can I get from agencies in Livonia?

Most often home, auto, commercial auto. Pick a type in the filters to narrow the list.

Do I need flood insurance in Livonia?

FEMA's National Risk Index rates inland flooding risk in Wayne County as Very 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 Livonia?

12.8% of households in Livonia 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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