As a homeowner in Michigan, your home is likely one of your most valuable assets. Having the right insurance coverage in place can help protect it from the unexpected, whether it’s weather damage, theft, or liability concerns.
At Mason-McBride, we help individuals and families across Michigan explore homeowners insurance coverage options that reflect their property type, location, and personal risk profile.
As a local, independent insurance agency, our team provides guidance and access to a variety of carriers, so you can compare quotes and coverage details without the limitations of a single provider.
Understanding Michigan Home Insurance
Home insurance in Michigan can vary depending on your home’s structure, value, and location. Whether you own or rent, a homeowners policy is designed to provide financial protection from events such as fire, theft, vandalism, and liability claims.
For example, if someone is injured on your property and you’re held responsible, your policy’s liability coverage may help cover related expenses. If your home becomes uninhabitable after a covered loss, loss of use coverage may help pay for temporary housing.
With so many variables, including your insurer’s guidelines, local building codes, and market rates, it’s helpful to work with a knowledgeable agent when reviewing your options.
Common Home Insurance Coverages
A typical Michigan homeowners insurance policy may include:
- Dwelling Coverage – Helps protect the structure of your home, including walls, roof, and foundation. Rebuilding costs may vary based on labor, materials, and market demand.
- Other Structures Coverage – May cover detached structures on your property, such as fences, garages, sidewalks, and sheds. This is often 10% of the dwelling coverage, with flexible limits.
- Personal Property Coverage – Helps protect belongings like furniture, electronics, appliances, and clothing from covered losses such as fire or theft.
- Loss of Use Coverage – If your home is temporarily uninhabitable due to a covered event, this can help with additional living expenses.
- Medical Payments to Others – Can help cover medical bills if a guest is injured on your property, regardless of who’s at fault.
- Personal Liability Coverage – Offers financial protection if you’re found responsible for injuries or property damage to others. Selecting appropriate liability limits is an important part of managing your risk.
- Scheduled Personal Property Coverage – Offers added protection for high-value items like jewelry, artwork, or collectibles that may have limited coverage under a base policy.
Because each home is unique, Mason-McBride can help you compare policies and review quotes from several insurance companies.
Homeowners Insurance Across Michigan
Mason-McBride serves homeowners throughout the state, including:
We proudly serve homeowners throughout the state, including:
Whether you’re in a high-density neighborhood or a more rural area, we can help you explore coverage options that align with your property and goals.
Home Insurance Quote
Every home requires a policy tailored to its structure, location, and ownership details. Mason-McBride can help you review your existing coverage or request new proposals, without obligation or pressure.
To get started, fill out the quote request form below or call our office. We’re here to make the process straightforward.