Home Insurance in Michigan
The beginning of a new year is a good time to assess your home insurance to ensure your protection is up to date. Major changes in your home structure or expensive additions to your personal property could alter your coverage. By reviewing your policy with Atlas Insurance Agency, you can ensure your Royal Oak, MI home is adequately covered against any eventuality. Your policy should provide you with the following coverage:
Dwelling – Your dwelling coverage should be enough to rebuild your home if it’s totally lost in a covered peril. A standard home insurance policy covers damage or loss from fire, vandalism, storms, lightning, smoke damage and other perils. If you made renovations to your Michigan home in the last year, these need to be added to your policy in order to be protected by your insurance.
Property – Property coverage protects your belongings, up to the limits of your policy. The more expensive your goods, the more protection you’ll need to cover their value. High-end goods like posh jewelry, original artwork, antiques or heirlooms may need additional coverage in the form of an insurance rider to cover their full value.
If you haven’t already, we recommend you make a home inventory of your goods to give you a better idea of the coverage you’ll need. A home inventory will also facilitate making a claim in the event of a loss.
Liability – If you like to have neighbors, family or friends over for special meals or parties, make sure you have ample liability coverage. Liability insurance protects your assets if a visitor gets injured while on your property. Liability also protects you against lawsuits that may arise due to accidents on your Michigan property.
At Atlas Insurance Agency, we understand that different homeowners will have different insurance needs. For this reason, we offer a variety of insurance packages to protect your Royal Oak, MI home and valuables. Contact us today for all your home insurance needs.