Protect Your Home, Protect Your Future.
Custom coverage to keep your home, belongings, and family safe from the unexpected.
Home Insurance
Why Home Insurance Matters
Your home is likely one of your biggest investments — and it deserves strong protection.
In Michigan, severe weather events like heavy snow, ice storms, windstorms, and flooding risks make reliable home insurance essential.
Home insurance helps cover your property, personal belongings, and liability risks. It also offers peace of mind, knowing you’ll be able to rebuild, repair, or recover when the unexpected happens.
Types of Home Insurance Coverage
Dwelling Coverage
Dwelling insurance protects the physical structure of your home — walls, roof, built-in appliances, and more — against covered perils like fire, wind, hail, snow and ice damage, and vandalism.
Key Benefits:
Rebuild or repair after weather-related or accidental damage
Covers attached structures (garages, porches, decks)
Foundation-to-roof protectio
Personal Property Coverage
Covers your belongings, like furniture, clothing, electronics, and valuables, even when you travel.
Key Benefits:
Replace or repair stolen or damaged possessions
Optional add-ons for high-value items (jewelry, collectibles)
Liability Protection
Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Key Benefits:
Covers legal fees and medical expenses
Applies on and off your property
Essential for homeowners with guests, pets, or pools
Additional Living Expenses (ALE) Coverage
Covers temporary living costs if your home becomes uninhabitable due to a covered event. Also known as Loss of Use coverage.
Key Benefits:
Hotel stays, meals, moving expenses
Maintain your standard of living during repairs
Optional Coverages
Expand your protection with these important endorsements:
Water Backup Coverage: Protects against sewer, sump pump, or drain backups — a common risk in Michigan’s aging infrastructure.
Flood Insurance: Separate coverage for flooding from heavy rains, snowmelt, or rising water.
Scheduled Personal Property: Extra protection for high-value items.
Equipment Breakdown: Covers costly home system repairs (HVAC, appliances).
Frequently Asked Questions (FAQ)
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It typically covers your home's structure, belongings, liability risks, and additional living expenses.
Optional coverage like water backup and flood insurance is highly recommended in many areas. -
Yes, damage from ice dams, frozen pipes, and heavy snow is generally covered under standard policies in Michigan.
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Home insurance covers water damage from inside the home (like burst pipes), but flooding from outside (rivers, heavy rain) requires separate flood insurance.
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You should have enough to fully rebuild your home at today’s construction costs, plus enough to replace all major possessions.
