As a Birmingham homeowner, your property represents more than just an investment, it’s where you build your life, host loved ones, and enjoy the character and charm of one of Oakland County’s most walkable and historic cities.
At Mason-McBride, we understand the architectural diversity and neighborhood pride that make Birmingham unique, from homes near Booth Park to estates around Quarton Lake or along Maple Road. We help homeowners explore insurance coverage options tailored to their property type, lifestyle, and location.
As an independent agency based in Michigan, we work with multiple top-rated carriers to provide you with quotes and choices, not one-size-fits-all coverage
Understanding Risks to Homes in Birmingham
Birmingham’s homes vary from restored colonials and Tudor-style houses to modern new builds and townhomes. Because of that, insurance needs can differ.
As a homeowner in Birmingham, you may want to consider coverage that accounts for:
- Older home materials and custom features
- Higher-than-average property values
- Frequent pedestrian traffic and liability exposure
- Michigan’s seasonal freeze-thaw cycles, snow loads, and summer storms
We can help you review policy options and limits that reflect the risks specific to your property and daily routine.
Common Homeowners Insurance Coverage in Birmingham
While each policy can be tailored, here are typical homeowners insurance protections:
- Dwelling Coverage – Covers damage to the structure of your home, including walls, roof, and built-ins.
- Costs to rebuild are impacted by local labor and materials.
- Other Structures – Can include detached garages, fences, sheds, and walkways. Standard limits are usually 10% of the dwelling amount.
- Personal Property – Covers items like furniture, clothing, and electronics from theft, fire, or other covered losses.
- Loss of Use – Helps cover housing and other expenses if a covered event makes your home temporarily uninhabitable.
- Personal Liability – Protects you financially if you’re found responsible for injury or property damage to others.
- Medical Payments to Others – Covers medical expenses for guests injured on your property, regardless of fault.
- Scheduled Personal Property – Offers increased coverage for valuable items such as jewelry, art, antiques, or collectibles that may exceed standard policy limits.
Because no two homes or homeowners, are alike, our team takes time to walk through your options and help identify appropriate limits, endorsements, or policy add-ons.
Why Work With Mason-McBride?
We’ve been part of the Birmingham and Oakland County community for over 100 years. As an independent agency, we’re not tied to a single insurance company. That means we can compare multiple options and help you evaluate what makes the most sense for your needs.
Whether your home is near Shain Park, along Lincoln Street, or tucked into a quiet side street near the Rail District, our goal is to provide clear, informed support so you can make confident insurance decisions without the pressure.
Get a Quote for Birmingham Home Insurance
If you live in Birmingham or are reviewing your current home insurance, we’re here to help.
Mason-McBride makes the process straightforward. Start by submitting a quote request online or reach out to our team with questions