Birmingham is known for its walkability, established neighborhoods, and homes that blend historic character with modern design.
Whether you live near Booth Park, around Quarton Lake, in the Rail District, or along Maple Road, your home reflects both personal investment and the lifestyle of one of Oakland County’s most sought-after communities.
Homes in Birmingham often include custom materials, architectural detail, and renovations that require a thoughtful approach to insurance. Mason-McBride helps homeowners review coverage options that reflect property features, location, and daily living needs.
Understanding Risks to Homes in Birmingham
A Michigan homeowners policy typically includes:
- Dwelling Coverage: Protection for the structure of the home, including the roof, walls, and built-ins, based on current construction and material costs.
- Other Structures Coverage: Applies to detached structures such as garages, fences, driveways, garden walls, and sheds.
- Personal Property Coverage: Protection for belongings such as clothing, furniture, appliances, and electronics under covered events.
- Loss of Use Coverage: Help with additional living expenses if your home cannot be occupied due to a covered loss.
- Personal Liability Coverage: Coverage if you are found legally responsible for injury or property damage to others.
- Medical Payments to Others: Coverage for medical costs if a guest is injured on your property.
- Scheduled Personal Property: Optional coverage for high value items such as jewelry, artwork, antiques, or collectibles.
Coverage details and availability vary by insurer.
Why Work With Mason-McBride?
Mason-McBride has supported Birmingham residents and the broader Oakland County community for more than a century.
As an independent agency, we are not tied to a single carrier. This allows you to compare coverage structures and limits with more flexibility.
Our advisors provide clear explanations and help you understand the coverage options that align with your home and lifestyle.
Request a Birmingham Home Insurance Quote
If you live in Birmingham or are reviewing your current homeowners insurance, our team is here to help.
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