Living in Bloomfield Hills comes with unique considerations when it comes to protecting your home. With large residential lots, high-value properties, and quiet, tree-lined streets, local homeowners face different insurance needs than those in more densely populated or rural parts of Michigan.
From historic estates along Vaughn Road to contemporary homes near Wing Lake or around Cranbrook Educational Community, property types and values vary widely, and so do the potential risks.
Whether it’s a winter storm, a fallen tree, or a liability issue on your property, the right home insurance policy can make a meaningful difference when the unexpected happens.
For more than a century, Mason-McBride has worked with homeowners in Bloomfield Hills and nearby Oakland County communities. As a Michigan-based independent insurance agency, we offer access to a range of carriers and help you evaluate coverage options that reflect your location, property, and household dynamics.
Understanding Home Insurance Costs in Bloomfield Hills
Home insurance premiums are based on a mix of personal and external factors. In Bloomfield Hills, considerations may include:
- The value, size, and age of your home
- Local weather risks, such as heavy snow, ice, and wind
- Property crime trends or fire response proximity
- Your claims history and credit-based insurance score
- Coverage types, deductibles, and policy limits
Mason-McBride can help you understand how these elements affect your quote and assist you in reviewing policies that fit your situation.
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?
We’re not tied to a single insurer. As an independent agency, Mason-McBride works with multiple carriers, allowing you to compare options based on your needs, without being locked into one brand.
Our team has helped generations of Bloomfield Hills homeowners assess their coverage as needs evolve, from new purchases to major renovations or estate planning.
Whether your home is tucked into a quiet cul-de-sac near Lone Pine Road or part of a larger estate along Quarton Lake, we’ll walk through your risks and available options with local insight and transparency.
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.