Your Rochester Hills home is likely one of your most valuable assets. It's where you build your life, create lasting memories, and find comfort.
At Mason-McBride, we understand the specific insurance needs of Rochester Hills homeowners. We can help you explore coverage options that may be suitable for your primary residence, vacation home, or rental property.
Exploring Home Insurance in Rochester Hills
Selecting home insurance involves evaluating factors like property value, local risks, and personal coverage preferences.
Working with a local independent agent familiar with Rochester Hills insurance providers can help you compare policies and understand your choices. Since we partner with multiple carriers, we can offer a range of options to help you find coverage that fits your needs.
Common Home Insurance Coverages
Here’s an overview of coverages included in many homeowners insurance policies:
- Dwelling Coverage: Helps cover the cost to repair or rebuild your home’s structure—including the roof, walls, and foundation—due to covered losses. Rebuilding costs can fluctuate based on material and labor prices.
- Other Structures Coverage: Provides coverage for detached structures on your property, such as fences, sheds, garages, and driveways. This is typically a percentage of your dwelling coverage, with additional limits available.
- Personal Property Coverage: Helps protect personal belongings like furniture, electronics, and clothing from covered risks such as fire, theft, or vandalism.
- Loss of Use Coverage: Can assist with additional living expenses if your home is temporarily uninhabitable due to a covered event, such as a fire or severe storm.
- Medical Payments Coverage: Provides limited medical coverage for guests injured on your property, regardless of fault. This does not replace health insurance for you or your family.
- Personal Liability Coverage: Helps protect you financially if you're found responsible for injuries to others or property damage. Selecting appropriate liability limits is an important consideration for protecting your assets.
- Scheduled Personal Property Coverage: Offers additional protection for high-value items like jewelry, artwork, and collectibles, which may have coverage limits under standard personal property insurance.
Coverage options and limits vary by insurer and policy. It’s important to review your specific coverage details with your agent to ensure your policy aligns with your needs.
Request a Home Insurance Proposal