Insurance agencies · Michigan

Insurance Agencies in Southfield, MI

Local agencies in Southfield for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Southfield

Southfield has 76,236 residents in 34,860 households. We list 57 insurance agencies in Southfield. Here is what the local numbers say about the cover people here need.

Southfield at a glance

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 Southfield 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 Southfield
  • 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 Southfield
  • 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 SouthfieldHow much liability cover do you need?

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

Insurance companies Southfield agencies work with

Of the 34 Southfield agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

  1. Corebridge (AIG Life)8 agencies
  2. Nationwide6 agencies
  3. Pruco Life Insurance Company6 agencies
  4. American Modern5 agencies
  5. Annuity carrier5 agencies
  6. Pacific Life Insurance Company5 agencies
  7. Travelers5 agencies
  8. Blue Cross Blue Shield4 agencies
  9. Foremost4 agencies
  10. The Hartford4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Southfield agencies can write

Share of the 57 agencies listed in Southfield that are appointed with at least one insurance company writing each type, or that name it on their own website.

  1. Life42%
  2. Home21%
  3. Boat19%
  4. Auto18%
  5. Motorcycle18%
  6. Landlord14%
  7. General Liability14%
  8. Commercial Auto14%

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

Where Southfield agencies are

Southfield agencies we list sit in 4 ZIP codes, mostly in Oakland County.

  • 4803422 agencies
  • 4807519 agencies
  • 4807613 agencies
  • 480333 agencies

Questions

Insurance agencies in Southfield

How do I find an insurance agency in Southfield?

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 Southfield?

Most often life, home, boat, auto, motorcycle. Pick a type in the filters to narrow the list.

Which insurance companies do Southfield agencies work with?

Among the 34 Southfield agencies whose appointments we hold, the companies they are most often appointed with are Corebridge (AIG Life) (8), Nationwide (6), Pruco Life Insurance Company (6), American Modern (5), Annuity carrier (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Southfield?

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.

Do I need renters insurance in Southfield?

46.6% of households in Southfield 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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