Living in Bloomfield Hills comes with unique considerations when it comes to protecting your home. From large residential lots and high-value properties to seasonal weather patterns and tree-lined neighborhoods, local homeowners may have coverage needs that differ from those in more urban or rural parts of Michigan.
Mason-McBride has served Bloomfield Hills residents and surrounding communities for over 100 years. As a Michigan-based independent insurance agency, we work with multiple carriers to help you explore home insurance options tailored to your property, risk factors, and household.
Understanding Home Insurance Costs in Bloomfield Hills
Home insurance rates are calculated using a combination of personal information and external data. Factors that may influence your premium include:
- Your property’s location and value
- Local crime rates and weather risks
- Your credit history and previous claims
- The coverages, deductibles, and limits you select
Mason-McBride can help you understand how these elements impact your insurance rate and review policy options that reflect your goals for protecting your home.
Common Homeowners Insurance Coverages
A typical Michigan homeowners policy may include coverage for:
- Dwelling Coverage – Helps cover damage to the structure of your home, including walls, roof, and foundation. Rebuilding costs vary by materials, labor, and market demand.
- Other Structures Coverage – May help cover detached structures like fences, driveways, garages, and sheds. This is typically 10% of your dwelling coverage, with options to increase limits.
- Personal Property Coverage – Helps protect belongings such as furniture, appliances, electronics, and clothing from covered losses like fire or theft.
- Loss of Use Coverage – If your home becomes uninhabitable due to a covered loss, this can help pay for temporary housing and additional living expenses.
- Medical Payments to Others – Can help cover medical costs if a guest is injured on your property, regardless of fault. (This does not cover household members.)
- Personal Liability Coverage – Helps protect you financially if you're found responsible for injury or property damage to someone else.
- Scheduled Personal Property – Offers added protection for high-value items such as jewelry, art, or collectibles that may have limited coverage under standard policies.
Every home is different. Mason-McBride can help you review your coverage and explore quotes from multiple insurance providers to find options that reflect your needs.
Why Work With Mason-McBride?
Because we’re not tied to one insurance company, we can help you compare coverage and pricing from multiple carriers. Whether your home is near Cranbrook, close to Long Lake Road, or in a more secluded part of the city, we’ll work with you to understand your risks and preferences, without pressure or assumptions.
Our approach is grounded in decades of experience and long-standing relationships with Michigan homeowners.
Start Your Home Insurance Quote
If you’re located in Bloomfield Hills and would like to review your current home insurance or explore new options, Mason-McBride is here to help.
Start your quote request today or contact our team with any questions.