Home Insurance in Michigan
Your home is undeniably your most precious possession, so protect it with home insurance. Even though you may no longer make mortgage payments and it's not mandatory to carry home insurance, it would provide you and your home with valuable financial protection. After many years of making mortgage payments and finally paying off your house, it would be a huge misfortune to lose your most treasured asset because of a tragic occurrence that was beyond your control.
Protection Against Extreme Weather
If you live in Michigan, you know the weather can be extreme and it can damage your house. Freezing temperatures, harsh winds, and heavy snowfall can make frozen pipes break, roofs leak or cave in, and cause other destruction. Having home insurance can pay the costs to repair winter damage or rebuild. Also, if you need to vacate your home while it is being repaired or rebuilt, home insurance will pay for your living expenses. It covers the cost of hotel bills, meals, and other expenses determined by your insurance policy.
Michigan also experiences several tornadoes every year and home insurance covers your house against damages caused by them, such as
- Falling debris and tree branches
- Damage caused by lightning strikes
- Smoke and fire damage
- Hail damage
- Water damage
Home insurance also provides liability coverage if someone is injured on your property. A lawsuit can result from an injury in which the cost of compensation can exceed the worth of your house. Liability protection will help pay the costly consequences of a lawsuit.
To help you purchase the right home insurance policy for your home, contact us at the Luft Insurance Agency. We can explain the benefits of having home insurance, what the policies cover, and the occurrences that are not covered by home insurance. Call Us to schedule a free consultation with one of our agents today.