Protecting What Matters
Most in Michigan.
Personal Auto PIP reform guidance, same-day homeowners closing binders, and comprehensive umbrella wealth protection across Wayne, Oakland, and Macomb counties.
Personalized Coverage for Michigan Families & Homeowners
From navigating Michigan's unique auto No-Fault reforms to structuring high-value home replacement coverage, we design policies tailored to your household.
Homeowners & Hazard Insurance
Extended dwelling replacement cost coverage, high personal property limits, loss of use coverage, and critical Michigan water backup endorsements for basements and sump pumps.
- ✓ Same-day binder to lender & title
- ✓ Roof and structure replacement
- ✓ Water backup & sewer overflow
Michigan Auto Insurance (PIP)
Personal Injury Protection (PIP) medical choice analysis: Unlimited, $500k, $250k, or $50k Medicaid. Broadform/standard collision, mini-tort property damage limits, and multi-vehicle savings.
- ✓ PIP choice guidance & MCCA fee tracking
- ✓ $3,000 Mini-Tort protection included
- ✓ Multi-car & good driver credits
Personal Umbrella Liability
Secondary high-limit liability coverage that steps in when basic auto or homeowner limits are exhausted, protecting your real estate equity, savings, and future earnings from major lawsuits.
- ✓ Shields home equity & retirement savings
- ✓ Covers auto, home, and recreational toys
- ✓ High protection for nominal monthly cost
Landlord & Investment Property
Dwelling Fire (DP3) policies for rental homes, student housing, and multi-family units across Southeast Michigan. Covers building structure, landlord liability, and loss of rental income during repairs.
- ✓ Fair rental value income protection
- ✓ Landlord premise liability coverage
- ✓ Portfolio multi-property bundling
Life & Mortgage Protection
Tailored Term Life and Whole Life policies designed to pay off outstanding mortgage balances, replace lost income, and provide lasting financial security for your family in their home.
- ✓ 10, 20, or 30-year term options
- ✓ Mortgage payoff structuring
- ✓ Premium discount on bundled home policies
Condominium Insurance (HO-6)
Coordinates precisely with your HOA master policy. Protects interior improvements, flooring, cabinets, personal belongings, and provides loss assessment coverage.
- ✓ Interior additions and alterations
- ✓ HOA loss assessment endorsements
- ✓ Master policy gap analysis
Need Commercial Coverage? We Protect Michigan Businesses Too.
From trade contractors and logistics fleets in Wayne County to medical clinics and professional firms in Oakland and Macomb, Farmers Insurance provides robust business coverage built to protect your revenue, employees, and contracts.
Business Owner's Policy (BOP) & CGL
Essential foundation for Michigan businesses. Bundles Commercial General Liability ($1M/$2M standard limits), business personal property, and business interruption into a single discounted policy.
- ✓ Client bodily injury & slip-and-fall defense
- ✓ Business interruption & continuing payroll
- ✓ Products & completed operations coverage
Michigan Workers' Compensation
Mandatory compliance under Michigan LARA regulations for businesses with 1+ full-time or 3+ part-time staff. Covers employee job-related medical bills, rehabilitation, and lost wage compensation.
- ✓ 100% compliant with MI Workers' Disability Act
- ✓ Employer liability protection against lawsuits
- ✓ Pay-as-you-go payroll reporting options
Commercial Auto & Work Fleet
Coverage for contractor pickups, utility vans, cargo haulers, and company passenger fleets. Includes Michigan PIP reform tiers, high combined single limits, and hired/non-owned vehicle endorsements.
- ✓ Commercial liability limits up to $1M+ CSL
- ✓ Tool floaters for tools in transit/on-site
- ✓ Multi-vehicle commercial fleet discounts
Commercial Property & Inland Marine
Protects commercial buildings, manufacturing warehouses, office suites, inventory stock, and specialized machinery against fire, wind, water damage, theft, and vandalism across Michigan.
- ✓ Building and tenant improvements coverage
- ✓ Inland marine equipment & tool floaters
- ✓ Signage, glass & exterior fixture protection
Commercial Umbrella ($1M–$10M+)
Extends liability limits above your standard general liability, commercial auto, and employer liability policies. Protects corporate and LLC balance sheets from catastrophic lawsuit settlements.
- ✓ Fulfills municipal & enterprise contract minimums
- ✓ High multi-million dollar umbrella thresholds
- ✓ Shields business equity and retained earnings
Errors & Omissions (E&O)
Tailored coverage for Michigan consultants, IT developers, accountants, engineers, and real estate professionals. Covers legal defense and settlements arising from professional advice or service claims.
- ✓ Legal defense costs outside policy limits
- ✓ Breach of contract & negligence protection
- ✓ Optional cyber risk & data breach endorsements
Request Authorized Farmers Insurance Rate Quote
Objective rate comparison across Michigan personal and commercial underwriting programs with Managing Agent Sam Qureshi.
Sam Qureshi
Authorized Agent • Farmers Insurance
Qureshi Insurance Agency LLC
Why Work With Sam Qureshi for Your Insurance?
Unlike online call-center insurance algorithms, Sam provides direct, personal advisory backed by Farmers Insurance's century of claims paying strength. Because Sam also leads Babylon Realty as Managing Broker, he uniquely understands the commercial contracts, lender criteria, title requirements, and replacement valuation necessary across Michigan.
Deep familiarity with Michigan commercial requirements, contractor COIs, building codes, and flood zones in Livonia, Plymouth, Canton, and Novi.
Consultations available in English, Punjabi (ਪੰਜਾਬੀ), and Urdu (اردو) for seamless community communication.
Access Policy Documents, File Claims, or Pay Premiums Online
Existing policyholders can log in to Farmers.com or download the Farmers Mobile App to manage active coverages, review declarations, and access 24/7 national claims assistance.
Frequently Asked Insurance Questions
What is an insurance binder and why does my mortgage lender require one?▼
An insurance binder is a legally binding temporary document issued by an authorized insurance agent confirming that your homeowners insurance policy is active and fully funded for your closing date. Mortgage lenders require proof of continuous hazard coverage with specific mortgage clause endorsements before issuing Clear to Close on your loan. Qureshi Insurance Agency provides same-day binder delivery directly to your lender and title company.
How does Michigan's Auto Insurance No-Fault reform impact my personal premium?▼
Under Michigan's auto reform, personal drivers can select from several Personal Injury Protection (PIP) medical coverage levels instead of being locked into mandatory unlimited coverage. Options include Unlimited, $500,000, $250,000, $50,000 (Medicaid recipients), or opting out entirely (qualified Medicare parts A & B). Sam Qureshi helps you analyze your existing health insurance coverage to choose the safest, most cost-effective tier while securing essential mini-tort protection.
Can I bundle my home, auto, and life insurance with Farmers for discounts?▼
Yes. Bundling multiple policies—such as Personal Homeowners, Auto, Life Insurance, and Umbrella—through Farmers Insurance unlocks multi-policy companion discounts up to 25% across your household, saving clients hundreds to thousands of dollars annually. We can also bundle commercial business policies for business-owning households.
If I buy or sell a home through Babylon Realty, am I required to use Farmers Insurance?▼
No. Under the Real Estate Settlement Procedures Act (RESPA), you have absolute freedom to select any licensed insurance provider. Qureshi Insurance Agency LLC is an independent affiliated agency representing Farmers Insurance co-located with Sam Qureshi's brokerage office. While clients enjoy seamless closing coordination and rapid lender binders, you are under zero obligation to purchase insurance through us.
What is Personal Umbrella Liability and who needs it?▼
A personal umbrella policy provides $1,000,000 to $5,000,000+ of secondary liability protection beyond the limits of your standard auto and homeowners policies. If you own a home, have retirement savings, rental properties, or teenage drivers, an umbrella shields your accumulated assets and future income from catastrophic lawsuits at an affordable annual cost.
Do you also provide commercial and business insurance in Michigan?▼
Yes! In addition to personal lines, Qureshi Insurance Agency provides comprehensive commercial coverage for Michigan businesses, trade contractors, rental property owners, and commercial vehicle fleets. We offer Business Owner's Policies (BOP), Commercial General Liability (CGL), Michigan statutory Workers' Compensation through LARA, and fast Certificate of Insurance (COI) turnaround for job bidding.
Can Qureshi Insurance Agency issue fast Certificates of Insurance (COI) for contractors and vendors?▼
Yes. For Michigan contractors, trades, and service providers, speed is critical. We issue official Certificates of Insurance (COI) naming project owners, developers, or commercial landlords as Additional Insured with customized endorsement wording promptly, keeping your work on schedule.
How do existing Farmers Insurance policyholders manage policies, pay bills, or file claims?▼
Existing policyholders have 24/7 self-service access online through Farmers.com and the Farmers Mobile App to view ID cards, review declarations, pay premiums, set up automatic payments, or file and track claims. You can also contact our local Livonia office directly at (248) 974-1447 for personalized advisory and claims guidance.