Your home in Sterling Heights is more than just property; it’s where your life happens. Whether you’re settled in a quiet neighborhood near Dodge Park or closer to the shopping corridors of Lakeside Mall, protecting your home against unexpected risks is key to maintaining your peace of mind.
At Mason-McBride, we’ve served homeowners across Southeast Michigan for over 100 years. As a Michigan-based independent agency, we help residents of Sterling Heights evaluate coverage options tailored to their home’s age, value, and location
Understanding Homeowners Insurance in Sterling Heights
Sterling Heights is Michigan’s fourth-largest city, with a mix of subdivisions, condos, and older homes, each with different risk profiles. Michigan weather, traffic volume, and property features can all affect the type of protection you may need.
A homeowners insurance policy is designed to offer financial protection from events such as:
- Fire or smoke damage
- Theft or vandalism
- Wind and hail
- Liability claims
We can help you compare options across carriers and make sense of what’s covered and what isn’t, so you can select a policy that fits your home and lifestyle.
Common Coverage Options for Sterling Heights Homes
Here are typical protections found in a Michigan homeowners insurance policy:
- Dwelling Coverage – Helps repair or rebuild your home after a covered event. Coverage amounts are based on rebuild costs, not market value.
- Other Structures – Covers detached garages, fences, and sheds — usually 10% of your dwelling limit, with room to adjust.
- Personal Property Coverage – Protects your belongings such as furniture, clothing, electronics, and more from covered losses.
- Loss of Use – Covers temporary living expenses if your home is uninhabitable due to a covered claim.
- Medical Payments to Others – Provides limited coverage for medical costs if a guest is injured on your property.
- Personal Liability Coverage – Offers protection if you're found responsible for causing injury or property damage to someone else.
- Scheduled Personal Property – Optional coverage for high-value items like jewelry, fine art, or collectibles.
Your policy can be customized based on your home’s features, security upgrades, and risk tolerance.
Why Work With Mason-McBride?
As an independent agency based in Troy, we’re just minutes from Sterling Heights, and familiar with everything from flood zones to snow loads and home valuation in Macomb County. Because we work with multiple insurance companies, we can help you evaluate quotes from different carriers and find coverage that fits your situation, not just a standard package.
For over a century, we’ve built relationships across Metro Detroit by providing knowledgeable, pressure-free guidance. Whether you’re insuring a condo off Mound Road or a family home near 15 Mile, we’re here to help you understand your options clearly.
Start Your Sterling Heights Home Insurance Quote
Want to review your current policy or explore new home insurance quotes in Sterling Heights?
Mason-McBride makes it easy to start online or by phone. Request your quote today, and one of our licensed advisors will reach out to help.