As a homeowner in Royal Oak, Michigan, it’s important to ensure your home is adequately protected with the right home insurance coverage. At Mason-McBride, we understand the specific risks and unique needs of homeowners in the area.
Our local, independent agents work with you to find coverage that best matches your lifestyle and needs.
If your home is damaged, you'll need an insurance agent who is familiar with Royal Oak’s market and who can guide you in selecting a policy that truly fits.
Home Insurance in Royal Oak
Navigating the different home insurance policies can feel overwhelming, especially with options that vary depending on your location, home type, and personal needs.
Whether you own or rent, a home insurance policy can help provide financial protection against fire, theft, vandalism, and other covered events.
Different homeowners insurance policies in Michigan cover various types of risks, making it important to choose the right one for your situation.
Common Home Insurance Coverages Available in Royal Oak
Here are some typical coverages found in a Michigan home insurance policy:
- Dwelling Coverage – Helps protect the structure of your home. The cost to rebuild may vary based on material and labor costs.
- Other Structures – Can cover fences, sidewalks, garages, and sheds. Typically 10% of the dwelling coverage, with options for increased limits.
- Personal Property Damage – Can protect your belongings, including furniture, electronics, and clothing.
- Loss of Use – Can cover temporary living expenses if your home is uninhabitable due to a covered loss.
- Medical Expense Coverage – Helps cover medical bills if a guest is injured on your property.
- Personal Liability Insurance – Helps provide financial protection if you’re responsible for injuries or property damage. Choosing adequate liability limits is essential to safeguarding your assets.
- Scheduled Personal Property Coverage – Offers additional protection for valuable items like jewelry, art, and collectibles.
It’s important to note that coverage options and policy specifics may vary by provider. Mason-McBride can help you understand these options and select the right coverage for your home.
Why Work With an Independent Agent?
When you work with a local independent insurance agent like Mason-McBride, we have access to multiple carriers, giving us the flexibility to find a policy that best fits your needs. Unlike captive agents who are limited to a single provider, we provide options that align with your preferences.
For over 100 years, Mason-McBride has been a trusted name for homeowners in Royal Oak and surrounding areas. We’ve helped countless clients navigate the complexities of insurance, providing them with guidance through life's unexpected challenges.
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