Bloomfield Hills is known for large residential lots, mature trees, and properties that often require a more detailed insurance review.
Homes across the city range from historic residences near Vaughan Road to modern builds around Cranbrook, Wing Lake, and Franklin Road. Each style brings different coverage considerations.
Mason-McBride has served homeowners in Bloomfield Hills and across Oakland County for more than a century.
As an independent agency, we help clients compare options across multiple respected carriers, giving you the ability to review terms and limits without being tied to a single provider.
Understanding Home Insurance in Bloomfield Hills
Home insurance premiums are shaped by a combination of personal factors and property characteristics. In Bloomfield Hills, common considerations include:
- The value, size, and age of the home
- Local weather patterns, including heavy snow, ice, and wind
- Distance to fire response and emergency services
- Neighborhood crime trends
- Claims history and insurance score
- Coverage limits, deductibles, and optional endorsements
Our advisors can walk you through how each of these elements and help you compare policy structures that make sense for your home.
Common Homeowners Insurance Coverages
A Michigan homeowners policy typically includes:
- Dwelling Coverage: Protection for the structure of the home. This may include the roof, walls, and foundation, based on current reconstruction costs.
- Other Structures Coverage: Coverage for detached structures such as garages, fencing, driveways, or sheds.
- Personal Property Coverage: Protection for belongings inside the home, such as furniture, appliances, clothing, and electronics.
- Loss of Use Coverage: Help with additional living costs if your home cannot be lived in due to a covered loss.
- Medical Payments to Others: Coverage for medical costs if a guest is injured on your property. This is not intended to cover household members.
- Personal Liability Coverage: Protection if you are found legally responsible for certain injuries or property damage.
- Scheduled Personal Property: Optional coverage for high value items that may need more protection than a standard policy provides.
Coverage availability and limits vary by insurer. Our team can help you review options that reflect the features of your home.
Why Work With Mason-McBride?
As an independent agency, Mason-McBride provides access to a broad range of carriers. This allows you to compare options based on your property and your goals, rather than relying on a single company’s policy form.
Our advisors have supported generations of Bloomfield Hills homeowners through new purchases, renovations, and changes in coverage needs.
Start Your Home Insurance Review
If you live in Bloomfield Hills and would like to review your current homeowners insurance or explore new coverage options, we are here to help.
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