Novi is one of Metro Detroit’s fastest-growing suburbs, known for its top-rated schools, newer subdivisions, and thriving business districts.
From lakeside properties near Walled Lake to family homes in Island Lake or Tollgate neighborhoods, Novi homeowners need insurance that reflects the value and risks of their property.
At Mason-McBride, we’ve helped homeowners across Southeast Michigan navigate their insurance decisions for over 100 years. As a Michigan-based independent agency, we offer access to multiple insurance carriers and help you compare policies designed to meet your needs.
What to Know About Novi Home Insurance
The cost of homeowners insurance in Novi depends on several factors, including:
- Your home’s value and replacement cost
- The age and construction materials of your property
- Your claims history and credit-based insurance score
- Proximity to fire stations and water sources
- Local risk factors like weather, flooding, or theft rates
Whether you’re insuring a newer build near Twelve Mile and Beck or a lakeside property off East Lake Drive, our team can help you understand what your policy includes, and where you might need to adjust limits or add endorsements.
Common Home Insurance Coverage Options
Most Michigan homeowners policies include the following protections:
- Dwelling Coverage
Helps cover repair or rebuilding costs for your home’s structure after a covered event. - Other Structures
Covers detached buildings like fences, garages, sheds, and guesthouses. Usually set at 10% of your dwelling limit. - Personal Property Coverage
Protects your belongings — furniture, electronics, clothing, appliances, against covered losses such as fire or theft. - Loss of Use Coverage
Pays for temporary housing and extra living expenses if your home is uninhabitable due to a covered claim. - Medical Payments to Others
Offers limited medical cost coverage if a guest is injured on your property. - Personal Liability Coverage
Provides protection if you are found legally responsible for injuries or property damage to others. - Scheduled Personal Property
Optional protection for valuables like jewelry, fine art, or collectibles that may exceed standard policy limits.
Coverage can vary depending on the insurer. Mason-McBride can help you review these options and ensure they align with your property and preferences.
Why Work With Mason-McBride?
Mason-McBride is an independent insurance agency located in nearby Troy, Michigan. That means we’re familiar with the Novi area, and our advisors work with you, not for a single insurance company.
Whether your home is in Chase Farms, Island Lake, Lakewood, or any part of Novi, we offer:
- Access to multiple insurance carriers
- Personalized guidance based on your property type and household
- No-pressure support from local professionals who’ve served Michigan homeowners for generations
Start Your Novi Home Insurance Quote Today
Ready to review your current homeowners insurance or explore new options?
Mason-McBride makes it easy to get started. You can begin your Novi home insurance quote online or contact our team for help comparing carriers and coverage.