A home often represents one of the largest personal investments individuals make. Having appropriate insurance coverage in place allows homeowners to address potential financial loss from covered events such as severe weather, theft, or liability incidents.
At Mason-McBride, we work with individuals and families across Michigan and beyond to review homeowners' insurance coverage options that reflect their property type, location, and personal risk profile.
As a local, independent insurance agency, our team provides objective guidance and access to multiple carriers. This approach allows homeowners to compare policy terms, coverage limits, and pricing without the restrictions of a single provider.
Understanding Home Insurance
Homeowners insurance provides coverage for certain risks associated with owning or occupying a residence. Policies typically address physical damage to the home and personal belongings, as well as liability exposures.
Examples include:
- Coverage for fire, theft, vandalism, and specific weather events
- Liability protection if an individual is injured on the property and the homeowner is found legally responsible
- Loss of use coverage if the home becomes uninhabitable due to a covered loss
Because each property differs in structure, age, and location, coverage terms and rates can vary by insurer and underwriting guidelines. Reviewing options with a licensed agent helps ensure alignment between policy terms and personal circumstances.
Common Homeowners Insurance Coverages
A typical homeowners insurance policy may include:
- Dwelling Coverage — Provides coverage for the structure of the home, including walls, roof, and foundation, up to the policy limit.
- Other Structures Coverage — May extend to detached structures such as garages, fences, or sheds.
- Personal Property Coverage — Applies to personal belongings such as furniture, appliances, and electronics in the event of a covered loss.
- Loss of Use Coverage — Covers additional living expenses if the insured property is temporarily uninhabitable following a covered event.
- Medical Payments to Others — Provides limited medical payment coverage if a guest is injured on the property, regardless of fault.
- Personal Liability Coverage — Addresses claims if the homeowner is legally responsible for injury or property damage to others.
- Scheduled Personal Property Coverage — Offers higher limits or broader protection for items such as jewelry, artwork, or collectibles.
Coverage availability, limits, and exclusions differ by carrier and policy form.
Homeowners Insurance Across Michigan
Mason-McBride serves homeowners throughout the state, including: We proudly serve homeowners throughout the state, including:
Coverage may also be available in other states where Mason-McBride holds an active insurance license.
Request a Home Insurance Quote
Use the form below or contact our office to begin the review process.
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