As a Birmingham, Michigan homeowner, your property is one of your most valuable assets. It's where you build a life, create memories, and find comfort.
At Mason-McBride, we understand the unique value of Birmingham homes and can help provide coverage options tailored to your needs.
As an independent insurance agency, we work with multiple carriers to explore homeowners insurance quotes in Birmingham, MI, helping you find coverage that aligns with your budget and protection goals.
Birmingham Homes: Understanding the Risks
Choosing the right homeowners insurance policy involves more than just comparing prices. A local, independent agent can help you understand the specific risks associated with your Birmingham property, such as weather-related events, and guide you toward appropriate coverage.
Because we're independent, we can present you with a wide range of options from various insurance companies.
Common Homeowners Insurance Coverage
Here are some common homeowners insurance coverages that can help protect your home in Birmingham, MI:
- Dwelling Coverage – Helps provide coverage for the structure of your home, including walls, roof, and built-in appliances. The replacement cost may vary based on labor and material costs in Michigan.
- Other Structures – Covers detached garages, sheds, fences, and sidewalks. Coverage is typically 10% of your dwelling limit, with options for increased protection.
- Personal Property – Helps protect your belongings, such as furniture, clothing, and electronics, against covered losses.
- Loss of Use – Can help cover temporary living expenses if your home is uninhabitable due to a covered event.
- Personal Liability – Provides financial protection if you are legally responsible for injuries or property damage. Choosing adequate liability limits is important to help protect your assets.
- Medical Payments – Can help cover medical expenses if a guest is injured on your property.
- Scheduled Personal Property – Additional coverage for high-value items like jewelry, art, antiques, and collectibles.
Every homeowners insurance policy is different, which is why Mason-McBride helps Birmingham residents find coverage that suits their situation.
Why Work With Mason-McBride?
As a locally owned and operated business, our clients are our top priority. When you work with an independent insurance agency like Mason-McBride, we focus on you, not the insurance company.
For over 100 years, Mason-McBride Insurance has been a trusted name in Birmingham and the surrounding communities, helping individuals and businesses navigate the challenges of insurance.
We're dedicated to finding the right solutions for you, your family, and your business. Your satisfaction is our measure of success.
Get a Quote Started Today!
If you live in Michigan and are looking for a Home insurance comparison, Mason-McBride Insurance makes the process easy.