Home Insurance in Troy

As a homeowner in Troy, Michigan, your home is one of your most valuable assets. A home insurance company that knows the local market and the value of your home will be the best choice if you’ve sustained damage to your house. At Mason-McBride, we work with you to determine the best coverage, price, and quality service for your home.

Homeowners’ insurance policies differ from one to the next, so keep that in mind. In addition, different insurance companies offer additional coverage levels, endorsements, and riders, and they have other conditions and limitations.

When to get Homeowners Insurance

You should begin shopping for homeowners insurance as soon as you sign a contract to buy a house. As a result, you can get several quotes and have time to get your policy in place before closing on the purchase. When you close on a home, you’ll usually need to prove that you’ve paid your homeowners insurance premiums for the entire first year.

Getting a homeowners insurance quotes for homes in Troy is usually quick and easy. Depending on the type of property you wish to insure, you may be able to get homeowners insurance quickly.

Troy Home Insurance Costs

Troy homeowners insurance costs are calculated using both personal information and external data. Risk factors include past claims reported, insurance scores, the coverage selected, local crime, and natural disasters.

Choosing an insurance policy based solely on price can be risky – as you may not get adequate coverage or the correct type of coverage. Instead, remind yourself that purchasing appropriate homeowners insurance is an excellent way to protect your investment. A licensed professional from Mason-McBride can explain how these factors affect your home insurance rates and provide you with a policy that offers the best protection.

home insurance coverages troy

Homeowners Insurance Coverages

Here are some common coverages you’ll find on a policy:

Dwelling – This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can change based on the cost of raw materials and labor and supply and demand.

Other Structures – Covers anything on your property that isn’t permanently attached to your house, like fences, driveways, sidewalks, and detached buildings like sheds and garages. It’s usually 10% of your Dwelling limit, but you can get more coverage if you need

Personal Property – All your stuff includes clothes, furniture, electronics, and appliances. Anything that would fall out if you tipped your house over and shook it.

Loss of Use -Covers your living expenses if you have to live somewhere else because your home is uninhabitable.

Medical Expense -Guests are covered for medical expenses if they get hurt on your property, and in some cases, people are covered for injuries on your property. Health care isn’t covered for you or other family members.

Personal Liability – Liability coverage kicks in if someone gets hurt or their property gets damaged, and you’re to blame. Consider things like how much you make and what you own when choosing your liability coverage limits. Make sure your liability coverage is high enough to cover your assets if you’re sued.

Scheduled Personal Property – You might need special coverage for jewelry, guns, artwork, rugs, etc.

Why Work With Mason-McBride?

As a locally owned Troy business, our clients are at the core of everything we do. We offer homeowners personalized advice and counsel based on our 100+ year history in Michigan.

At Mason-McBride, we are proud to have a team of dedicated, passionate, and knowledgeable individuals preserving our principles for best-in-class service.

We’ll compare rates and find you a policy that provides complete protection from unexpected occurrences, whether you require Home Insurance, Auto Insurance, Flood Insurance, Umbrella Insurance, or a combination of covers.

Speak with a Local Independent Agent:

Get a  quote started online or give us a call at (248) 822-7170.

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