A home is often one of the largest investments you'll ever make. To safeguard that investment from unexpected loss, whether from severe weather, theft, or liability-related incidents, you need the right homeowners insurance policy in place.
Mason-McBride Insurance helps Michigan homeowners protect their properties with coverage that fits their unique needs and risks.
Understanding Homeowners Insurance Coverage Options
Homeowners insurance offers protection for certain risks associated with owning or occupying a residence.
While coverage varies by insurer, a typical homeowners insurance policy through Mason-McBride addresses:
- Property Damage: Protection for the primary dwelling and attached structures from covered perils like fire, wind, hail, or vandalism.
- Personal Property Coverage: Coverage for loss or damage to belongings under specified events.
- Liability Protection: Support if a guest is injured on the premises and the homeowner is held legally responsible.
- Loss of Use: Provisions for additional living expenses if the residence becomes uninhabitable due to a covered incident.
Because every property differs in age, construction, condition, and location, coverage terms and premiums can vary by carrier and underwriting guidelines.
Common Homeowners Insurance Coverages
A standard Michigan homeowners insurance policy typically includes:
- Dwelling Coverage: Protection for the structure of your home, including the roof, walls, and foundation, up to policy limits. This is essential coverage for Michigan homes facing risks from winter weather, ice dams, and wind damage.
- Other Structures Coverage: Coverage for detached structures such as garages, sheds, fencing, or similar buildings on your property.
- Personal Property Protection: Protection for belongings including furniture, appliances, clothing, and electronics. Standard policies have limits, so high-value items may require additional coverage.
- Loss of Use Coverage: Reimbursement for additional living expenses if you cannot reside in your home after a covered loss. This can include hotel stays, temporary rentals, and meal expenses.
- Personal Liability Coverage: Helps cover certain damages or injuries to others for which the homeowner is legally responsible. This includes legal defense costs if you're sued up to a certain limit.
- Scheduled Personal Property: Optional coverage for high-value items such as jewelry, art, collectibles, or other valuables that may exceed standard personal property limits.
Coverage availability, limitations, and exclusions differ based on carrier, policy form, and underwriting guidelines.
Michigan Homeowners Insurance: Local Expertise
Mason-McBride Insurance serves policyholders throughout Michigan.
Our insurance agents understand the specific environmental and regional risks facing homeowners in metro Detroit and surrounding communities, including: Bloomfield Hills | Birmingham | Royal Oak | Troy | Sterling Heights | Rochester Hills | West Bloomfield | Farmington Hills
Coverage is also available in additional states where Mason-McBride maintains active licensing.
Get a Michigan Homeowners Insurance Quote Today
To begin a review of your homeowners insurance options, complete the form below or contact our office.
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