Homeowners Insurance & What it Covers

Protecting your assets is important. That’s why we offer a variety of policies to provide coverage for your home and personal belongings.  

Our Homeowners policy not only ensures that the physical structure of your home is protected, but it protects the cherished assets of your home too. A Homeowners policy with us provides you with the coverage you need at an affordable rate.  

Here’s what can all be covered under a Homeowners policy with us:

• Your home
  • Dwelling
    • Dwelling coverage ensures your home and other structures like fences and sheds are protected from perils like fire, wind, hail, and more. Insureds also have the option to endorse the policy to expand the perils their home and other structures can be covered against.
  • Loss of Use
    • This helps you pay for living expenses like hotel stays, while you are not able to live in your home due to a covered claim.  
  • Additional Options
    • We also offer a variety of additional coverages that are prepackaged at a competitive price to ensure clients are properly protected against loss due to hidden water damage, food spoilage and more.
• Your Belongings
  • Personal Property
    • Personal Property coverage protects your assets should something happen to them at home or anywhere in the world. Like coverage to your home and other structures, coverage for additional perils can be purchased for personal property as well.
  • Scheduled Personal Articles (SPA)
    • Scheduled Personal Articles coverage protects personal items such as jewelry, guns, and toys like ATVs or snowmobiles.  
  • Additional Options
    • Additional options are available to keep you protected from things like debris removal and food spoilage, etc.
• Your Wallet
  • Personal Liability
    • If someone is injured on or off your property, this coverage keeps you protected from potential lawsuits.
  • Medical Payments
    • This coverage provides protection from injuries that occur to others at your home.
  • Claims Expenses
    • Claims expenses are covered for up to $250 per day at no additional cost.
  • Additional Options
    • We can keep you protected from other liability expenses such as damage to other’s property or non-owned recreational vehicles.

If you have questions about your policy, or want a quote, reach out to our team today.

Source: https://www.michfb.com/insurance/home-insurance/homeowners-insurance