Homeowners Insurance

Why do I need homeowners insurance, or renter Insurance?

Available Policy Types:

  • Homeowners (Primary Secondary/Seasonal)
  • Condominium Owners
  • Renter’s

Whether you own your own house, condo, or are currently renting we have an insurance company that can give you the best rate available.

Please remember that without insurance, you’ll be responsible for protecting your property,  possessions and liability exposure.

Our Insurance companies have a proven track record of insuring your dream…Peace of mind…Assurance in times of crisis…protecting your property. In most cases your home is your single largest investment and in the event of a covered loss, your damaged home will be rebuilt and your destroyed belongings will be replaced. The insurance companies that we represent have homeowners/condo and rental programs to fit your needs. The types of coverage include dwelling and other structures

Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage.
Dwelling Improvements, Alterations, and Additions-Condominium owners are covered for accidental damage to improvements you make in your unit for which your association’s policy does not provide coverage, subject to your condo insurance policy limits.

Loss assessment-Condominium owners will also receive up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association’s policy does not provide coverage.

Personal Property-Homeowner’s condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, bedroom suite, sweaters, shoes, TV, stereo, and i-pods aren’t worth a lot, but those items all add up when you have to replace them.

Personal Liability-In the event someone is injured on your property or you damage
property that belongs to others, you could be held legally liable for the injury or damage. A
homeowner, condominium or renter policy provides liability coverage and personal property
insurance should this ever occur.

Special Program for: High Value Homeowners Insurance Program

Replacement cost of $500,000 to $20,000,000 —

• Preferred Pricing Available for Clean Risks * Hard-to-place Risks are also Eligible
• Credit problems —OK
• Insured with claims—- OK

Properties that are vacant/unoccupied/for sale With Optional Additional Coverage’s:

  • Water Back-up
  • ID Fraud
  • Golf Carts

Home Business

Replacement cost (Contents)
Extended Replacement Cost (Dwelling)
Valuable Items Coverage is Available for

Jewelry, Fine Art and Other Private Collections

Vacant Express Aegis American Fellowship American Modern American Reliable Encompass Foremost Michigan Basic