Homeowners insurance protects your home and personal property as well as your liability from accidents that injure others or damage their property. There are various coverage levels and costs which is where things can get complicated.
Our top 3 things you need to know about homeowners insurance are:
- A cheaper policy is not necessarily the best policy for you. It is important to be properly covered for your personal situation. Homeowners policies are not cookie-cutter, one-size-fits-all.
- Use an insurance agent you can call directly not a general online service. It may seem very convenient to go online and generate a quote, adjust coverages and the cost of your homeowners insurance, but how do you know you are properly covered? How easy is it to file a claim and talk to a licensed agent?
- It’s not best to “set it and forget it”. Often a homeowners policy is put in place when a home is purchased with escrows and not reviewed again for many years. When improvements are made the policy needs to be updated with proper coverage. Additionally, policy premiums adjust, and changing homeowners insurance providers can be a benefit.
Over the years our team has had the opportunity to work with hundreds of insurance agents throughout the state of Michigan. We have created strong relationships with insurance agents working through large as well as small agencies who can take the best care of our clients.
Is it time for you to review your current policy or get a quote on a new home policy? Let us help connect you with someone we trust.