Grand Rapids, MI Home Insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a Greater Grand Rapids, MI home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose. How much you’ll pay for your policy depends on:
|Options You Select||Can be priced individually.|
|Deductible Amounts||How much do you want to cover yourself?|
|Option Limits||Can be set higher or lower based on needs.|
Right Coverage, Price & Value
While today’s insurance policies offer homeowner’s excellent protection, no policy is designed to insure you against every potential loss. However, you may customize your level of insurance in Michigan by purchasing additional coverage to ensure that you have the protection that you want and need.
Additional coverage, also called endorsements, is available to insure you against a variety of liabilities, including losses of very expensive personal property, such as jewelry, guns, and collectibles, and even liabilities associated with running a business from your own home.
|Home||Repair or rebuild if damaged or destroyed.|
|You & Other People||Personal liability covers injuries or property damage.|
|Medical Coverage||For medical expenses if injured on your property.|
|Living Expenses||If you cannot live in your home due to loss.|
|Belongings||Personal Property insurance covers your items.|
|Special Property||Covers jewelry, antiques and other items.|
|Rentals||Optional coverage for tenant-occupied dwellings.|