As a Bloomfield Hills homeowner, your home is one of your most valuable assets. It's where you build a life, create memories, and find comfort. Protecting it with the right home insurance coverage is essential.
At Mason-McBride, we understand the unique value of homes in Bloomfield Hills and the importance of having reliable protection.
As an independent insurance agency, we help homeowners like you explore Michigan homeowners insurance quotes to find policies that fit your specific 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.
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
A Michigan homeowners insurance policy can help provide coverage for your home, belongings, and liability risks. Here’s a breakdown of common home insurance coverages:
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Dwelling Coverage – Can help provide coverage for the structure of your home, including walls, roof, and foundation. The cost to rebuild can vary based on labor, materials, and market demand.
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Other Structures Coverage – May help cover detached structures on your property, such as fences, driveways, sidewalks, garages, and sheds. This is typically 10% of the dwelling coverage, with options to increase limits.
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Personal Property Coverage – Can help protect your belongings, including furniture, electronics, appliances, and clothing, in case of theft, fire, or other covered events.
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Loss of Use Coverage – If your home becomes uninhabitable due to a covered loss, this coverage can help pay for temporary housing and additional living expenses.
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Medical Payments to Others – Can help cover medical expenses if a guest is injured on your property, regardless of fault. However, this does not cover household members.
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Personal Liability Coverage – Can help protect you financially if you’re responsible for injuries or property damage to others. Selecting the right liability limits is important for safeguarding your assets.
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Scheduled Personal Property Coverage – Offers additional protection for valuable items such as jewelry, fine art, collectibles, and firearms that may have limited coverage under standard policies.
Since every home is unique, Mason-McBride can help you explore Michigan homeowners insurance quotes and find options that align with your specific needs.
Bloomfield Hills Home Insurance Quotes
As an independent insurance agency, Mason-McBride works for you—not the insurance company. We compare quotes from multiple carriers to help you find coverage that fits your needs and budget.
For over 100 years, Mason-McBride Insurance has served Bloomfield Hills and the surrounding communities, helping individuals and businesses navigate the complexities of insurance. We're committed to providing personalized service and finding the right solutions for you, your family, and your business
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