Royal Oak is known for its walkable neighborhoods, active downtown, and mix of bungalows, updated classics, and modern infill homes.
Whether you live near Hudson Park, Vinsetta Boulevard, Main Street, or a quiet side street north of 12 Mile, your home carries both financial and personal value. Protecting that investment starts with a policy that reflects how you live and the features of your property.
Mason-McBride works with homeowners throughout Michigan to review insurance options that align with the age, layout, and location of their homes.
Understanding Home Insurance in Royal Oak
Royal Oak homes range from early century bungalows to fully renovated properties and new construction. Because the housing stock is varied, coverage needs can differ from one homeowner to the next.
When reviewing home insurance in Royal Oak, many homeowners consider:
- The age and condition of the home
- Updated features or recent renovations
- Property size and proximity to neighboring homes
- Higher foot and vehicle traffic near downtown
- Michigan weather patterns including heavy snow, strong winds, and storms
Our advisors can help you review policy options that reflect the characteristics of your home and daily lifestyle.
Common Home Insurance Coverages
Here are some typical coverages found in a Michigan home insurance policy:
- Dwelling Coverage: Protection for the structure of the home, including the roof, walls, and foundation, up to policy limits.
- Other Structures: Coverage for detached structures such as garages, sheds, fencing, or similar buildings on the property.
- Personal Property: Protection for belongings including furniture, appliances, clothing, and electronics.
- Loss of Use: Reimbursement for additional living expenses if you cannot reside in your home after a covered loss.
- Medical Payments to Others: Provides limited coverage for medical expenses if a guest is injured on the property.
- Liability Coverage: Helps cover certain damages or injuries to others for which the homeowner is legally responsible.
- Scheduled Personal Property: Optional coverage for high-value items such as jewelry, art, collectibles, or other valuables that may exceed standard limits.
Why Work With Mason-McBride
Mason-McBride has served Royal Oak and surrounding communities for more than a century.
As an independent insurance agency, we offer access to multiple carriers, giving you flexibility when comparing policies, limits, and pricing.
Request a Royal Oak Insurance Review
If you own a home in Royal Oak or are reviewing your current homeowners insurance, our team is ready to help.
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