Homeowners Insurance

Homeowners Insurance

For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected. 

In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.

A standard Homeowner policy protects you against:

  • Liability
  • Fire
  • Lightning
  • Windstorms/Hail
  • Smoke Damage
  • Falling Objects
  • Freezing
  • Weight of Ice and Snow
  • Vandalism
  • Theft of personal property

Damages that are EXCLUDED from your standard homeowner policy:

  • Earthquake
  • Flood
  • Water Backup/Sump Overflow
  • Vermin/Rodent/Insect

    Coverage may be purchased for the above exclusions. There is also a new valuable endorsement you can buy – Home Systems Protection and Service Line coverage. Please call us for more details.

    Scheduled Items

    Your homeowners policy does provide very BROAD contents coverage in the event of a loss, BUT it does have LIMITATIONS on certain items. You can schedule a valuable item onto your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.

    Common items that can be added as scheduled property:

    • Jewelry
    • Furs
    • Cameras
    • Musical Instruments
    • Silverware
    • Golfers Equipment
    • Fine Arts
    • Bicycles

    Value Added Personal Property Service
    IT support available with access to professional, highly trained IT support specialist at no additional charge.

    Request A Quote

    Canton Office

    41575 Joy Rd, Ste. 100
    Canton, MI 48187

    Phone: 734-454-5450
    Fax: 734-454-5457
    Email: dave@loyaltyinsurance.com

    Brighton Office

    110 E Main St
    Brighton, MI 48116

    Phone: 810-229-6158
    Fax: 734-738-0103
    Email: dave@loyaltyinsurance.com


    Monday - Friday: 9:00 am to 5:00 pm
    Saturday-Sunday: Closed
    Lunch Hour: 12:30 pm to 1:30 pm

    We are licensed to write policies in Michigan