As a Bloomfield Hills, Michigan resident, your home is one of your most valuable possessions. It's the place where you build a life, create memories, and find comfort. However, unexpected events can pose risks to your home and its contents.
Having reliable homeowners insurance is essential for Bloomfield Hills residents.
At Mason-McBride, we are familiar with the local market and understand the value of Bloomfield Hills properties. We can work with you to explore coverage options that match your needs and budget.
Understanding Bloomfield Hills Home Insurance Costs
Bloomfield Hills home insurance costs are calculated using personal information and external data. Risk factors include past claims reported, credit history, the coverage chosen, local crime rates, and natural disasters. For instance, having a good credit history and implementing safety features like windstorm mitigation can potentially lower your premium. In Bloomfield Hills, having coverage for weather events like hail and windstorms is important.
Choosing an insurance policy based solely on cost can be risky. You might not get the coverage you need or the right type of coverage. A well-suited homeowners insurance policy is an effective way to protect your investment.
Mason-McBride can help you understand how these factors impact your home insurance rates and find a policy that offers appropriate protection for your Bloomfield Hills home.
Homeowners Insurance Coverages
Here are some common coverages you'll find on a policy:
Personal Property — All your stuff includes clothes, furniture, electronics, and appliances. Anything that would fall out if you tipped your house over and shook it.
Loss of Use —Covers your living expenses if you have to live somewhere else because your home is uninhabitable.
Dwelling — This portion of your policy covers the actual structure (main house). The cost to replace your home can change based on the cost of raw materials, labor, supply, and demand.
Other Structures — Covers anything on your property that isn't permanently attached to your house, like fences, driveways, sidewalks, and detached buildings like sheds and garages. It's usually 10% of your Dwelling limit, but you can get more coverage if you need
Medical Expense —Guests are covered for medical expenses if they get hurt on your property, and in some cases, people are covered for injuries on your property. Health care isn't covered for you or other family members.
Personal Liability — Liability coverage kicks in if someone gets hurt or their property gets damaged, and you're to blame. Consider things like how much you make and what you own when choosing your liability coverage limits. Make sure your liability coverage is high enough to cover your assets if you're sued.
Scheduled Personal Property — You might need special coverage for jewelry, guns, artwork, rugs, etc.
Bloomfield Hills Home Insurance Quotes
When you work with an independent insurance agency like Mason-McBride, our focus is on your needs, not those of the insurance company.
For over 100 years, the Mason-McBride Insurance name has been supporting businesses and individuals in Bloomfield Hills and beyond through various challenges. We are dedicated to finding suitable solutions for you, your family, and your business. Your satisfaction is important to us.
Speak with a Local Agent:
Get an online quote started, or give our office a (248) 822-7170.