Troy, MI Homeowners Insurance
Buying and owning a home is a great accomplishment. It leads to great responsibility, however, as that home and all of the contents inside need to be protected. Additionally, as a home owner, you need to be protected against total loss or a lawsuit. This is where homeowners insurance comes in.
At Mason-McBride, Inc., we have been providing comprehensive homeowners insurance to individuals in Michigan for more than a century. Our team of independent insurance agents understands how much your home means to you, and will dedicate themselves to finding the proper protection to keep you, your family and your home safe. Whether you are seeking a new Michigan home insurance quote or would like an evaluation of your current coverage, our independent agents can help.
Understanding Homeowners and Renters Insurance
The nuances involved in insuring a home vary depending on your home’s unique characteristics, from age to neighborhood location. However, certain standards apply across all policies:
- Coverage: Homeowners insurance covers the house itself along with any other attached or detached structures, such as garages and fences. It also provides protection for most personal property inside the home, as well as liability coverage for injuries caused to others. There can be any number of exclusions to these policies, depending on the insurance company. We will help you understand what your policy covers and help cover any excluded property through endorsements. We can also discuss excess liability coverage, also known as personal umbrella policies.
- Premiums: The cost for insurance depends on the deductibles you have opted for, the location of your home, how much your home is worth, how old your home is, your credit score and many other factors. We can compare quotes across several companies to find a personal insurance premium that fits your needs.
- Discounts: To lower your premiums, you can look into potential discounts, including bundling, multi-policy, home security and age discounts. We can review your insurance needs to identify those that apply in your situation.
Renters insurance includes most of these standards, minus coverage for the housing structure itself.
Protecting Homes in Multiple States
We provide comprehensive insurance services to clients with multi-state risks, including snow birds with second homes in warmer states. We also provide insurance services to individuals and families who own cabins and lake homes along our Michigan shorelines. Speak to our knowledgeable team to learn what risks are inherent in owning homes across state lines, as well as to identify ways to lower your liability.
Contact Mason-McBride, Inc., Today for Prompt, Personalized Service
If you are looking to close on a home in two days and are seeking an affordable plan, or if you are an existing homeowner seeking a better alternative, we can help. Contact our Troy insurance office online or call us at 248-822-7170.