Home Insurance in Michigan

Home insurance provides you with the means of protecting your West Bloomfield, MI home against risks that can damage or destroy your property. Although home insurance isn't mandatory by law in Michigan, smart homeowners will do their part to protect their assets.

If you have a home mortgage, your lender will probably require home insurance coverage to protect its interests. If you own your home outright, it's up to you to obtain the protection you need. At Agency Advantage Insurance, we can help guide you to obtaining a policy that's just right for you.

Policies

As a homeowner, you have a choice of various types of insurance policies.

• A Broad (aka, "named peril") policy will protect your dwelling and personal goods from specific risks such as fire, dangerous weather, theft, riot, vandalism, explosion, falling objects, and natural disasters, as stated on your policy.
• An All Risk policy covers your home against all perils (unless specifically excluded in your policy.) Personal effects, however, are frequently covered under named perils.

Coverage

Within a home insurance policy, you can choose the type of coverage and limits you desire. Your coverage should be sufficient to protect your personal assets, which may vary from other homeowners in the area. In addition to protecting your dwelling and personal goods, you may want:

• Liability coverage (covers injuries and property damage of others who suffer accidents on your property and protects you against lawsuits due to accidents in your home)
• Additional Structures coverage (to protect other structures on the property such as tool shed, gazebo, pool, etc.)
• Additional Living Expenses (covers cost of hotels and meals if you cannot live at home due to damage to your property)

Personalizing your Michigan home insurance coverage lets you get maximum insurance protection at a cost you can afford. Also, try our online rating tool for quotes on home and auto insurance. Our agents at Agency Advantage Insurance, located in West Bloomfield, MI, can provide you with valuable counsel on insurance options and costs.

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