As a homeowner in Michigan, your home is one of your most valuable assets and should be protected with the right home insurance coverage.
If damage occurs, you need an insurance agent who understands your home's unique value and provides guidance as a local, independent advisor.
At Mason-McBride, we help homeowners find tailored home insurance quotes in Michigan that align with their needs.
Home Insurance Michigan: Making Sense of It
Comparing home insurance policies can be challenging without the guidance of an independent agent. Coverage options vary based on your home type, location, and specific needs.
Whether you own or rent, a home insurance policy can help provide financial protection against fire, theft, vandalism, and other covered events. For example, if someone is injured on your property and sues you, your home insurance coverage can help protect you from financial loss.
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
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.
Coverage options vary by insurer and policy. If you're looking for Michigan homeowners insurance quotes, Mason-McBride can help you explore your options.
Insurance for all Michigan Cities
Mason-McBride provides homeowners insurance quotes in Michigan, serving cities such as:
- Bloomfield Hills
- Birmingham
- Royal Oak
- Troy
- Sterling Heights
- Rochester Hills
- Macomb
- Auburn Hills
Get a Quote From a Michigan Agent:
Every home is unique and therefore requires a carefully crafted policy. Contact us for your home insurance quote today!
If you’d like us to review your current policy and provide you with no-obligation proposals, call our office, or enter some basic information in the fields below to get started online. Either way, we make the process simple!