Homeowners insurance may cover water damage caused by heavy rain if it enters your home as the result of a covered event, such as wind damaging your roof. However, flooding from rising water is typically not covered under a standard homeowners insurance policy.

Yes. You can change insurance companies at almost any time, although it’s important to have your new policy in place before canceling your current one. Comparing your options periodically can help ensure you’re receiving the right coverage at a competitive price.

If your belongings are stolen during a covered theft, your homeowners insurance may help pay to repair damage to your home and replace your stolen personal property, up to your policy limits. Keeping an inventory of your belongings can make the claims process easier.

Regular home maintenance, routine inspections, and addressing small issues before they become major problems can help reduce the likelihood of filing a claim. Homeowners in Livonia may also benefit from installing smoke detectors, security systems, and water leak detection devices.

Most homeowners insurance policies include liability coverage if your pet injures someone, although some breeds or situations may have restrictions. Damage caused to your own property by your pet is generally not covered.

Purchasing valuable items such as jewelry, artwork, electronics, or collectibles may change your insurance needs. Reviewing your policy helps ensure these belongings have the protection they deserve. Our team can help you determine whether additional coverage is appropriate.

By asking questions! Your insurance policy contains important information about what’s covered, your deductibles, exclusions, and coverage limits. If you live in Michigan and have questions about your policy, we’re happy to explain your coverage in clear, easy-to-understand terms.

Yes. Many homeowners insurance policies include coverage for detached structures such as sheds, detached garages, fences, and gazebos. The amount of coverage varies by policy, so it’s important to understand your specific limits.

Choosing homeowners insurance involves more than simply comparing prices. Our agents can help you understand your coverage options, identify available discounts, and select a policy that fits your needs. If you’re in Michigan, we’d be happy to help you protect your home and everything in it.

Yes. Home renovations can affect your homeowners insurance by increasing your home’s value and the cost to repair or rebuild it. Projects like kitchen or bathroom remodels, home additions, finishing a basement, or adding features like a deck or pool may require updates to your homeowners insurance coverage. Before starting a renovation, talk with your insurance agent to make sure your policy reflects the improvements and provides the protection your updated home needs.