What Does Home Insurance Cover?
Your home is likely your biggest investment. Here's how we help protect it.
Structure & Property Coverage
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Dwelling Coverage Covers the cost to rebuild your home if it's damaged or destroyed. We use replacement cost software to make sure you're covered for the right amount.
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Other Structures Protects detached garages, sheds, fences, and other structures on your property. Typically included at 10% of dwelling coverage.
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Personal Property Covers your belongings — furniture, electronics, clothing — if they're damaged or stolen. Ask us about special coverage for high-value items.
Liability & Additional Coverage
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Liability Protection If someone is injured on your property or your family causes damage, liability coverage pays for legal fees and medical expenses.
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Loss of Use If your home is uninhabitable while being repaired, this covers your temporary living expenses — hotels, meals, and more.
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Medical Payments Covers minor medical expenses for guests injured on your property, regardless of fault — keeping small incidents from becoming big problems.
Not sure what coverage limits you need? We use professional replacement cost estimation tools and walk you through your options. No jargon, no pressure — just honest guidance.
Why Get Home Insurance Through Us?
As an independent agency, we work for you — not the insurance companies.
We Do the Shopping
We compare rates from 10+ top home insurance carriers to find you the best combination of coverage and price. You just pick the one you like.
Local Agents Who Know Michigan
We understand the risks Michigan homeowners face — from harsh winters to lake-effect storms. And when you call, a real person answers.
Claims Advocacy
If disaster strikes, we're in your corner. We help you file your claim and make sure you're treated fairly by the insurance company.
Home Insurance Carriers We Represent
More options means better rates for you
Bundle Home + Auto and Save More
Most carriers offer significant discounts when you bundle your home and auto insurance together. We'll show you exactly how much you can save.
Visit Us In Person
Want to discuss your home insurance face-to-face? We're just a short drive away.