Troy is one of Michigan’s most established communities, known for excellent schools, well-kept neighborhoods, and a mix of newer construction and long-standing family homes.
Mason-McBride works with homeowners throughout Troy to review coverage options that reflect home value, construction, and personal risk factors.
As an independent agency located in Troy, we offer access to multiple respected carriers, giving you the ability to compare policies without being limited to a single provider.
Understanding Troy Home Insurance
Homeowners insurance premiums in Troy are influenced by a range of factors, including:
- Your home’s size, age, and rebuild cost
- The coverage types and limits you select
- Local crime and weather risks
- Your credit-based insurance score
- Any past claims or loss history
Choosing a policy based solely on price may lead to gaps in coverage. Our advisors can help you understand how each factor affects your premium and assist you in selecting policy options that align with your goals.
Common Home Insurance Coverage in Troy
Most Troy homeowners insurance policies include a combination of these coverages:
- 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.
Coverage availability and limits may vary by carrier. Our team helps you review your options and find a policy that reflects how you live.
Why Work With Mason-McBride?
Mason-McBride has supported homeowners and families across Southeast Michigan for more than a century.
As an independent agency, we are not restricted to a single carrier. This allows you to compare policy options, coverage structures, and pricing across multiple companies.
Request a Quote
If you live in Troy and would like to review your current homeowners insurance or request new proposals, our team is available to help.
"*" indicates required fields
