Home Insurance for Michigan Residents

Home Coverage For Michigan Residents

Homeowners insurance or home insurance for short is one of our specialties at Fitzpatrick Insurance. Home insurance isn’t technically required by law, but is an absolute must-have for every homeowner. Not only does it protect your home and possessions against accidents, damage, or theft, but virtually all loans require borrowers to have coverage for the fair market value of a property and won’t give a loan without a suitable policy in place. Policies can come with a variety of premiums and coverages. What is a qualifying event for a claim? What is the reimbursement limit on the policy? What kind of deductible will you pay in various scenarios? It’s important to work with experienced professionals to ensure you get the right coverage. The main functions of home insurance include:

  • Coverage for your home, garage, and other structures.

  • Coverage for your personal belongings.

  • Paying for you to live elsewhere while your house is being repaired or your claim is being processed

  • Liability coverage if you’re held legally responsible for damage or injury to someone else.

Most homeowner’s policies cover your home and property for any cause of damage, but some are specifically excluded so it’s essential that you understand what your policy covers. Some of the most common causes of homeowners insurance claims include wind, fire, hail damage, and lightning strikes.

Just because you don't own a home, doesn't mean you shouldn't look to protect your possessions. Renter's insurance policies cover things like electronics, appliances, furniture, clothing, jewelry, and other valuables that are still essential to protect.

Whether you're in need of a policy for an upcoming move or just looking to reevaluate your premium and coverage, our professional team of agents are standing by to assist you!

Even if your condo association has their own insurance policy, there may be many cases where their policy doesn't go far enough to address your needs. Depending on the policy, certain extraordinary events like break-ins, water damage, or injury liability may not be covered. Give us a call today and we will help you investigate supplementary policies and work with you to ensure you receive a full breadth of coverage!

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