As a Birmingham, Michigan resident, your home is one of your most valuable possessions. It's the place where you build a life, create memories, and find comfort. However, unexpected events can threaten your home and its contents.
Having reliable homeowners insurance is important for Birmingham residents. Here at Mason-McBride, we are familiar with the local market and understand the value of Birmingham properties. We can work with you as your advisor to find coverage for your primary residence. Additionally, if you have a second home that needs coverage, we can help design a vacation home insurance policy to ensure it's protected.
Birmingham Homes: Understanding the Risks
It's important to go beyond just price when selecting a homeowners insurance policy for your Birmingham home. A local agent can help you understand the specific risks associated with your property and assist you in selecting the right coverage.
Since we work with a variety of insurance companies, we can present you with a range of options.
Why Work With Mason-McBride?
As a locally owned business, our clients are our top priority. When you work with an independent insurance agency like Mason-McBride, we focus on you, not the insurance company. We are committed to guiding you towards the most suitable policy for your needs.
For over 100 years, the Mason-McBride Insurance name has been there for businesses and individuals in Birmingham and beyond during unexpected challenges. We have a reputation as a trusted name in insurance. Our goal is to find the right solutions for you, your family, and your business. Your satisfaction is important to us.
We'll compare rates and provide you with options, whether you need Home Insurance, Car Insurance, Flood Insurance, Umbrella Insurance, or a combination of covers.
Common Homeowners Insurance Coverage
Here are some common coverages you'll find on a policy:
Dwelling — This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can change based on the cost of raw materials and labor and supply and demand.
Other Structures — Covers anything on your property that isn't permanently attached to your house, like fences, driveways, sidewalks, and detached buildings like sheds and garages. It's usually 10% of your Dwelling limit, but you can get more coverage if you need
Personal Property — All your personal stuff is covered, including clothes, furniture, electronics, and appliances. Anything that would fall out if you tipped your house over and shook it.
Loss of Use —Covers your living expenses if you have to live somewhere else because your home is uninhabitable.
Medical Expense —Guests are covered for medical expenses if they get hurt on your property, and in some cases, people are covered for injuries off your property. Health care isn't covered for you or other family members.
Personal Liability — Liability coverage kicks in if someone gets hurt or their property gets damaged, and you're to blame. Consider things like how much you make and what you own when choosing your liability coverage limits. Make sure your liability coverage is high enough to cover your assets in case you're sued.
Scheduled Personal Property — You might need special coverage for things like jewelry, guns, artwork, rugs, etc.
Get a Quote Started Today
Get a Birmingham homeowners insurance quote started, or you’re just as welcome – even encouraged – to call us at (248) 822-7170, and we’ll connect you with the appropriate advisor.