Are you a homeowner or thinking of becoming one? Phil Klein Insurance Group can provide insurance to protect your most valuable asset. We serve the West Bloomfield, MI area.
Home insurance, also referred to as homeowner’s insurance, covers a private residence. It combines personal insurance as well as liability coverage. It covers losses occurring to the home, loss of its contents, and loss of use, which means if you cannot continue living in the house during repairs, hotel expenses are covered. The liability insurance portion is for accidents in the home to guests while visiting. Dog bites are included in this coverage.
There are some events not covered by homeowners insurance.
- Acts of war
- Infestations, including termites
- Nuclear accidents
- Sewer backup
- Water damage
Homeowners’ insurance should be a major consideration for everyone who owns a home. This coverage protects you against theft, fire, wind damage, and other weather events. It also protects the contents inside.
This insurance provides coverage for the main part of your home if destroyed or damaged by specific events such as natural disasters or bad weather.
The most comprehensive homeowners insurance policies have coverage for higher valued items and would cover these valuables outside of the home, including abroad.
Do you know that if you have a mortgage on your property, your lender will require that you carry homeowner’s insurance? Even if your home is mortgage-free, you may want this coverage. In the event of a lawsuit, you risk losing your home and property. The liability portion of the homeowners’ insurance policy will prevent that from happening.
Please don’t risk it. Protect your home with insurance. The Phil Klein Insurance Group can provide a no-obligation quote or answer any questions you may have. Contact our team today. You will be glad you did.