A home is often one of the largest investments individuals and families make. Having the right insurance in place helps protect that investment from unexpected loss due to covered events such as severe weather, theft, or liability-related incidents.
At Mason-McBride, we help homeowners review coverage options that reflect their property, location, and risk profile.
Whether your home is a newer build, a long-established residence, or a property with unique features, our team provides support in understanding available policy structures.
Understanding Home Insurance
Homeowners insurance offers protection for certain risks associated with owning or occupying a residence. While each policy varies based on the insurer and selected coverage, homeowners insurance typically addresses:
- Damage to the home or attached structures from covered perils such as fire, wind, or vandalism
- Loss or damage to personal belongings under covered events
- Liability protection if someone is injured on the property and the homeowner is found legally responsible
- Loss of use if the residence becomes uninhabitable following a covered incident
Because every property differs in age, construction, condition, and location, coverage terms and premiums can vary by carrier and underwriting guidelines.
Common Homeowners Insurance Coverages
A standard homeowners policy typically includes:
- Dwelling Coverage: Protection for the structure of the home, including the roof, walls, and foundation, up to policy limits.
- Other Structures: Coverage for detached structures such as garages, sheds, fencing, or similar buildings on the property.
- Personal Property: Protection for belongings including furniture, appliances, clothing, and electronics.
- Loss of Use: Reimbursement for additional living expenses if you cannot reside in your home after a covered loss.
- Medical Payments to Others: Provides limited coverage for medical expenses if a guest is injured on the property.
- Liability Coverage: Helps cover certain damages or injuries to others for which the homeowner is legally responsible.
- Scheduled Personal Property: Optional coverage for high-value items such as jewelry, art, collectibles, or other valuables that may exceed standard limits.
Coverage availability, limitations, and exclusions differ based on carrier, policy form, and underwriting guidelines.
Serving Homeowners Across Michigan
Mason-McBride assists homeowners throughout Michigan, including areas such as:
- Bloomfield Hills
- Birmingham
- Royal Oak
- Troy
- Sterling Heights
- Rochester Hills
- West Bloomfield
- Farmington Hills
Coverage may also be available in additional states where Mason-McBride maintains active licensing.
Request a Home Insurance Review
To begin a review of your homeowners insurance options, complete the form below or contact our office.
An advisor will follow up to discuss next steps and help you evaluate available coverage structures.
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