Your Rochester Hills home is likely one of your most valuable possessions. It's a place to build a life, create memories, and find comfort. However, unexpected events can threaten your home and its contents.
Having the right homeowners insurance is crucial for Rochester Hills residents. Here at Mason-McBride, we understand the local market and the unique needs of Rochester homeowners. We can help you find a policy that provides the necessary coverage for your primary residence or even a vacation home.
Finding the Right Coverage
The cheapest policy isn't always the best. A local agent familiar with Rochester-area insurers can help you find a reliable company that offers the appropriate coverage for your needs. Since we work with a variety of insurers, you'll have multiple options to choose from.
Common Homeowners Insurance Coverage
For residents in Rochester Hills, here are some common coverages you'll find on a policy:
Dwelling Coverage — This portion of your policy 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 personal stuff includes clothes, furniture, electronics, and appliances. Anything that would fall out if you tipped your house over and shook it.
Loss of Use —This 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 off 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 things like jewelry, guns, artwork, rugs, etc.
Get a Proposal Started Today
We can help you find the right homeowners insurance for your Rochester Hills property. Get an online quote started, or you’re just as welcome – even encouraged – to call us at (248) 822-7170.