Protecting Your Home with the Right Michigan Homeowners Insurance Coverage
Your home – it’s not only your sanctuary, it’s probably your largest financial asset, shelter for your family and housing your most valuable possessions. Keep it protected with the right home insurance policy.
Whether you’re renting a home or apartment, buying your first home, moving, changing insurance, or purchasing a second home, our expert home insurance agents will guide you through the process. We’ll answer all of your questions and find the best Michigan home insurance for your needs.
Tips for Buying Homeowners Insurance Policies in Adrian, Ann Arbor, and Cassopolis, Michigan
Know What Your Home Insurance Policy Includes
A typical policy for home insurance in Michigan includes protection against loss from theft, fire, vandalism, lightning, windstorms, hail damage, and the freezing of plumbing systems, but each policy is unique, so it pays to talk with a professional from our team to help you understand what your particular policy includes.
Keep an Updated Record of Your Possessions
It’s critical to know what you own. If your possessions are lost or damaged, it’s the only way to make sure you’re properly reimbursed. Keep track of your belongings with this downloadable inventory checklist or you can download it to your mobile phone:
Think About Supplemental Insurance
Depending on your home and your unique situation, you may need more comprehensive coverage through a supplemental insurance policy. Known as endorsements or riders, these policies extend insurance protection for belongings that may not be fully covered by a basic homeowners policy. Some examples are:
- Insurance for Collectibles, Antiques, and Jewelry: This type of policy will ensure that your valuable jewelry, antiques and collectibles are fully protected against fire, property damage, theft, natural disasters, accidental breakage, shipping losses, and water damage.
- Flood Insurance: Most Michigan homeowners policies don’t include flood insurance, so it’s important to protect yourself against losses from this type of natural disaster. Our insurance professionals can help you determine whether your community is in the National Flood Insurance Program (NFIP), and in a high-risk flood area.
- Recreational Vehicle Insurance: Did you know that a boat, personal watercraft, motorcycle, RV, ATV, snowmobile, or other personal recreation vehicle needs its own insurance coverage to protect it from collisions, property damage, theft, vandalism, uninsured or underinsured drivers? In addition, recreational vehicle insurance can also provide peace of mind with insurance coverage forliability when you leave home.
- Personal Umbrella Liability Insurance: Umbrella liability insurance provides a higher level of protection beyond that offered by auto, homeowners, recreational vehicle, and business policies. Personal umbrella liability insurance provides coverage for many situations involving responsibility for bodily or personal injury or property damage.
The best way to know if you need to consider a supplemental insurance policy is to ask one of our Michigan insurance professionals, who’ll let you know of any exclusions in your current policy and help you find the additional endorsements that can protect you. Kemner Iott Benz offers a no-obligation homeowners insurance review and free homeowners insurance quotes.
Contact Us About Homeowners Insurance in Michigan Today!
Learn how you can save money by bundling your home and auto insurance coverage.