Your home in Rochester Hills isn’t just a structure, it’s where you build your life, raise your family, and invest for the long term. Whether you live near Bloomer Park, along Walton Boulevard, or in a subdivision off Livernois, your home deserves insurance coverage that reflects its value and location.
At Mason-McBride, we understand the specific needs of Rochester Hills residents. As a Michigan-based independent agency with over 100 years of experience, we help homeowners compare policies and evaluate coverage options for primary homes, vacation properties, or rentals.
Exploring Home Insurance in Rochester Hills
Choosing a homeowners policy means evaluating more than just price. Local factors such as Oakland County property values, weather risks, and neighborhood-specific concerns, can impact what type of coverage makes sense for your situation.
Because we’re independent, Mason-McBride isn’t limited to one insurance carrier. We help you review policies from multiple providers and explain how differences in deductibles, limits, and exclusions may affect your options.
Common Home Insurance Coverage Options
A typical Rochester Hills homeowners insurance policy may include:
- Dwelling Coverage
Helps cover repairs or rebuilding of your home’s structure due to covered losses like fire, wind, or hail. - Other Structures Coverage
Can help protect detached buildings on your property — such as garages, sheds, fences, or a backyard gazebo. Usually set at 10% of your dwelling limit. - Personal Property Coverage
Covers belongings like appliances, electronics, and clothing if damaged by a covered peril such as theft, smoke, or fire. - Loss of Use Coverage
Helps pay for temporary housing and additional expenses if a covered loss makes your home uninhabitable. - Medical Payments to Others
Offers coverage for minor medical costs if a guest is injured on your property — regardless of fault. (This doesn’t apply to household members.) - Personal Liability Coverage
Helps protect your finances if you’re found legally responsible for injury or property damage to others. - Scheduled Personal Property Coverage
Optional protection for high-value belongings like jewelry, art, or collectibles that may have limited coverage under standard policies.
Coverage limits, deductibles, and availability may vary by insurer. Mason-McBride can walk you through the details to help ensure your policy is aligned with your property, lifestyle, and household needs.
Why Work With Mason-McBride?
We’ve served families in Rochester Hills and surrounding areas for over a century, helping them navigate their changing insurance needs through every stage of homeownership.
Our team lives and works in Southeast Michigan. We understand the nuances of local property values, regional claim trends, and the kinds of protections homeowners often look for in places like:
- North Hill and Hampton subdivisions
- Residential areas near Rochester Adams High School
- Homes along Tienken, Avon, and Dequindre
Whether you’re a first-time buyer or long-time resident, we’re here to help you explore your home insurance choices, without pressure or assumptions.
Request a Home Insurance Proposal
Want to review your current policy or explore new homeowners insurance quotes in Rochester Hills?
Mason-McBride makes it easy to get started online or by phone. Request your quote today, and a licensed advisor will follow up to assist you.