Troy is one of Michigan’s most dynamic cities, known for strong schools, quiet subdivisions, corporate headquarters, and well-kept neighborhoods.
Whether you own a newer home near Somerset Collection or a long-time family property in Raintree Village, having the right homeowners insurance matters.
At Mason-McBride, we understand that no two homes or homeowners are the same. As an independent insurance agency located right here in Troy, we help residents compare policies and identify coverage options that reflect their property’s value, risk factors, and personal preferences.
Our office is conveniently located on Big Beaver Road, just west of Coolidge Highway, making us a truly local resource for homeowners throughout the area.
Understanding Troy Home Insurance Costs
Homeowners insurance premiums in Troy are influenced by a range of factors, including:
- Your home’s size, age, and rebuild cost
- The coverage types and limits you select
- Local crime and weather risks
- Your credit-based insurance score
- Any past claims or loss history
While it may be tempting to choose a policy based solely on price, doing so could leave you underinsured. A Mason-McBride advisor can walk you through how these variables affect your rate, and help you strike the right balance between affordability and protection.
Common Homeowners Insurance Coverage in Troy
Most Troy homeowners insurance policies include a combination of these coverages:
- Dwelling Coverage – Helps repair or rebuild your home if it's damaged by a covered event. This includes the roof, walls, foundation, and other structural elements.
- Other Structures Coverage – Provides protection for detached garages, sheds, fences, or driveways — usually 10% of your dwelling limit, but customizable.
- Personal Property Coverage – Covers the contents of your home, like clothing, electronics, appliances, and furniture.
- Loss of Use Coverage – Helps pay for housing and expenses if your home is uninhabitable due to a covered claim.
- Medical Payments to Others – Covers small medical bills for guests injured on your property.
- Personal Liability Coverage – Offers financial protection if you’re responsible for damage or injury to others — important in neighborhoods with frequent visitors, sidewalks, or pools.
- Scheduled Personal Property – Provides extra coverage for high-value items like jewelry, art, or collectibles.
Coverage availability and limits may vary by carrier. Our team helps you review your options and find a policy that reflects how you live.
Why Work With Mason-McBride?
We’re more than just an agency; we’re part of the Troy community. For over a century, Mason-McBride has helped individuals, families, and businesses across Southeast Michigan navigate the complexities of insurance.
As an independent agency, we’re not tied to a single insurer. That means we can compare homeowners insurance options across multiple carriers and help you find coverage that suits your goals without upselling or pressure.
Whether your home is near Troy Athens High School, the Stage Nature Center, or tucked into a quiet cul-de-sac off John R Road, we’re here to help you explore your choices with insight and care.
Request a Quote
If you’re located in Troy and want to review your current homeowners policy or request new proposals, the team at Mason-McBride is ready to assist.
Request a quote online or contact our Troy office to start the conversation.