Your home is more than just a place to live - it’s one of your largest financial investments.
The right Michigan homeowners insurance policy can help protect your home, personal belongings, liability exposure, and finances from unexpected events such as fire, windstorms, theft, hail, vandalism, and other covered losses.
At Mason-McBride Insurance, we help homeowners throughout Michigan compare coverage options from multiple insurance companies to find protection that fits their home, lifestyle, and budget.
Request a Personal Coverage Review
What Does Homeowners Insurance Cover?
Every home is different, but most Michigan homeowners insurance policies include several core coverages designed to protect your property and your financial well-being.
While coverage varies by insurer, a typical homeowners insurance policy through Mason-McBride addresses:
- Dwelling Coverage: Helps pay to repair or rebuild the covered structure of your home after a covered loss. This generally includes the home's roof, walls, attached garage, and other permanent structures, subject to the terms, conditions, limits, and exclusions of the policy.
- Personal Property Coverage: Helps protect many of the belongings inside your home, including furniture, clothing, electronics, appliances, tools, sporting equipment, and other personal possessions when they are damaged or stolen because of a covered event.
- Personal Liability Coverage: Helps protect you financially if you are legally responsible for bodily injury or property damage involving another person. It may also help with covered legal defense costs.
- Additional Living Expenses: If your home becomes temporarily uninhabitable because of a covered loss, loss of use coverage may help pay eligible additional living expenses, such as temporary housing, meals, and other costs while your home is being repaired.
Because every property differs in age, construction, condition, and location, coverage terms and premiums can vary by carrier and underwriting guidelines.
Michigan Homeowners Face Unique Risks
Michigan homeowners experience a range of weather conditions and seasonal challenges that can contribute to property damage throughout the year.
These may include:
- Heavy snow
- Ice dams
- Frozen pipes
- Windstorms
- Hail
- Falling trees and branches
- Power outages
- Water backup
- Basement water damage
Coverage for these types of losses can vary significantly by policy.
Depending on your home and lifestyle, you may also want to review related coverage such as flood insurance, personal umbrella insurance, high-value home insurance, condo insurance for unit owners, or boat and watercraft insurance.
Homeowners Insurance for Michigan Communities
Mason-McBride serves homeowners throughout Michigan, including communities across Oakland County, Macomb County, and surrounding areas.
We work with homeowners in communities such as:
Bloomfield Hills | Birmingham | Royal Oak | Troy | Sterling Heights | Rochester Hills | West Bloomfield | Farmington Hills
Coverage options are also available in additional states where Mason-McBride maintains active licensing.
Get a Michigan Homeowners Insurance Quote
Whether you're buying a new home, switching insurance companies, or reviewing your existing homeowners insurance, Mason-McBride can help you evaluate your options.
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