From fire and theft to liability and water backup. We build homeowners policies that actually pay when disaster strikes.
Whether you've just bought your first starter home in Rochester Hills or are insuring a custom estate in Bloomfield Hills, we have carriers that specialize in your property type.
Many standard policies cap water backup coverage at $5,000 (often not enough for a finished basement). We help you find the right limits to protect your finished space.
A standard policy isn't enough. We ensure you have the endorsements that matter for Michigan homeowners.
We know local ordinances and rebuilding costs to ensure your coverage is accurate.
Let us shop 40+ carriers to find the best protection for your home.
No. Standard homeowners policies explicitly exclude flood damage (rising water from outside). You need a separate Flood Insurance policy for that. However, coverage for internal water damage (burst pipes) is usually included.
Replacement Cost pays to replace your item with a new one of similar quality. Actual Cash Value pays what the item was worth *at the time of loss* (depreciated value). We always recommend Replacement Cost coverage for your home and contents.
Yes. Most carriers offer discounts for central burglar and fire alarms. Smart home devices like water leak detectors can also earn you significant credits.