Looking for 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 quote 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.
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 is covered, including 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. Our expert team in Troy has eliminated risk uncertainty with comprehensive insurance solutions for more than a century. In addition, we take pride in our shared belief in doing right by the employee, the client, and the community.
Speak with a Local Independent Agent:
Whether you need Michigan Homeowners Insurance, Auto Insurance, Life Insurance, Umbrella Insurance, or a combination of coverages, our specialists will compare rates and find you a coverage plan that offers complete protection from the unexpected.
Proposal Request Form
According to our insurance carriers, lawyers are now the top sector targeted by threat actors. Of course, law firms are no strangers to threats from cybercriminals, but the nature of this threat has changed over time. In the past, cybercrime was primarily an end-user problem, with hackers seeking to steal financial information. Today, the danger […]
How would your small business respond if you made a mistake that cost your client thousands of dollars? Or, even more troubling, what if a customer sues you for losses that you didn’t cause? Professional liability insurance is designed to protect you from claims that the professional advice or services you provided caused a client […]
Spring is arriving soon and before you can enjoy the blooming flowers and singing birds, take some time to do some home safety maintenance projects that’ll keep your home in great shape for the coming warmer weather. This spring home safety checklist can help you get started and keep you from forgetting anything important! Home […]
No matter what kind of business you run, you need protection against all types of threats, including lawsuits. General liability is a crucial part of any business insurance package and an affordable way to protect your Michigan business. What is General Liability Insurance? General Liability insurance protects a business against lawsuits and claims arising […]
Michigan small business owners face various risks. The right business insurance can protect you from the unexpected costs of running a business. Accidents, natural disasters, and lawsuits could run you out of business if you’re not protected with the proper coverage. So, what kind of small business insurance do you need, and what does it […]
In short yes, absolutely, 100%. Having a flood insurance policy is absolutely imperative to make sure that your house is fully covered and with spring on the way, there is plenty of rain in the forecast. We don’t expect you to just take our word for it though, here are the top 4 reasons to […]
Starting on January 15, 2022, most people with a health plan can purchase an at-home COVID-19 diagnostic test authorized by the U.S. Food and Drug Administration (FDA) at no charge. Depending on your health plan, the test may be free over-the-counter when you purchase it at participating “in-network” pharmacies. Or, you might have to submit […]
Cybercrime is one of the most rapidly emerging exposures to any business today. While larger organizations have sophisticated protection to fight a cyberattack, small and medium-sized companies have become the primary targets for hackers. Such claims can cost hundreds of thousands of dollars and require pricey forensic investigations that take several weeks to complete. However, […]
Cybercriminals create new advanced social engineering tactics and target small and medium-sized businesses. The FBI estimates that cybercriminals stole more than $28 billion through email fraud from 2016-2020, with an average loss per incident of more than $150,000. Business owners and IT professionals must adapt to these rising social engineering trends to reduce exposure. One of the best ways […]
When your homeowner’s insurance policy renews, there are a few factors to keep in mind about the replacement cost of your home. First, you may see an increase in your replacement cost from your carrier this year. So, we are providing a deeper dive into the reasons for the possible gains. How does replacement cost […]