Does Home Insurance Cover Pet Damage?

If you love pets, you know how exciting it is to have an animal friend around you. However, sometimes your best friend can go rogue, causing damage and injuries. But the question is, does home insurance cover damages caused by your pet? To find out, Phil Klein Insurance Group of West Bloomfield, MI is exploring instances when home insurance comes to your rescue when your pet does the unthinkable.

Pet damage not covered by home insurance

When your cat or dog eats away your expensive sofa, you can start looking at your bank balance because home insurance won’t cover this damage. Similarly, home insurance will still not cover it if your pet causes injuries to you or your loved ones. Why this? The insurer assumes that you are fully controlling any pet that lives with you. So, if your cat rips through your couch, this could be deemed as damage caused by the property owner’s behavior!

Pet damage covered by home insurance

Home insurance covers pets, but not in the way you think. Unlike how home insurance covers your couch or sofa, the same doesn’t apply to your pets. What does this mean? Your home insurance doesn’t cover your pet when they are injured or fall sick — this is the work of pet insurance.

However, when your pet causes damage to other people’s property, home liability coverage kicks in. Similarly, when your pet injures a third party, home insurance covers the medical bills, including legal costs, if you are sued. And this coverage extends even when the pet causes injuries outside your property. For instance, home insurance should cover all the related costs if your dog bites a passerby when you are walking it.

Home insurance in West Bloomfield, MI

Need to learn more about home insurance? Want to invest in home insurance? Please look no further than Phil Klein Insurance Group.

Home Insurance Coverage Options

You have recently purchased a house, and it is one of the largest investments that you will probably ever make in your lifetime which means you will want to protect it in any way you can. The home insurance agents at the Phil Klein Insurance Group in West Bloomfield, MI are touting the importance of home insurance and the different coverage options that are available for you to choose from to adequately insure your home.

Coverage Options for Home Insurance

When it comes to a homeowners insurance policy, there are many coverage options, but the basic policy will cover the structure of your home as well as any outbuildings which would include your deck or a garage. A home insurance policy will also cover your personal belongings, furnishings, appliances, and other items that you own inside your home.

A home insurance policy we’ll help repair or replace your home if it is damaged or demolished by an act of vandalism, and natural disaster, or a fire. It will also help you replace items that are stolen due to a theft or robbery incident.

Normally your home insurance policy will not cover your home or other items due to neglect to the home, flooding, or an earthquake. You can talk to your home insurance agent about adding on these additional types of policies that will cover floods and earthquakes.

If you have a mortgage on your home and borrowed the money from a bank or other lender to pay for your home, the lender will more than likely require that you have home insurance, but it is very important to have a policy in place even if you paid cash for your home, or it was given to you in some other way, such as through inheritance.

To obtain a quote for home insurance and to get your policy started, contact the trusted and experienced home insurance agents at the Phil Klein Insurance Group in West Bloomfield, MI today!

Protecting your Home Against Natural Disasters

In our beautiful state of Michigan, we could be prone to unfortunate natural disasters such as tornados, floods, and winter storms.  Severe weather is a common occurrence in this state.  Because of this, you must protect your home against these occurrences with adequate home insurance.  We at Phil Klein Insurance Group serving the West Bloomfield, MI area are here for you to find the right insurance for your home.

Prepare Before the Disaster

To prepare for a natural disaster, you must review your policy every year with your agent.  If you have a question or a concern about a specific thing your policy doesn’t cover, don’t hesitate to follow up with your agent.  Some other useful ways to protect your home before a disaster include:

  • Take photos of items in each room in your house.
  • Create a detailed inventory list of valuables not in your photos.
  • Keep a copy of all insurance cards and declaration pages.
  • Make a list of important telephone numbers to call.

What About After a Disaster?

There are also a few things you must do after a disaster occurs.  One of the first things you must do is to contact your insurance agent or your insurance company’s toll-free number as soon as possible.  Be sure to take lots of pictures of the damage and to make a list of personal property damaged.  Some of the other vital things you must do after experiencing damage to your home include:

  • While you are obligated to make temporary repairs, you must not make any permanent ones until your insurance company has inspected the damage.
  • Ask your insurance agent if your policy covers temporary lodging until repairs are made to your home.

Contact Us for Home Insurance Coverage

You must take serious measures to protect your home against natural disasters.  If you live in the West Bloomfield, MI area, contact our office to set an appointment with one of our agents to find the right home insurance coverage for you.

Will Home Insurance Inspect My Home?

When buying home insurance in West Bloomfield, MI, your insurer might, or might not, choose to send an inspector to your home to check it out. There is no legal requirement for them to do this, and you have no obligation to consent to a home inspection if you’d rather go with an insurance provider that does not put you through an inspection. It comes down to how each individual insurance provider chooses to do business.

There are two specific circumstances where your insurance provider is more likely to conduct an inspection:

  • When you are renewing your policy. Your home insurance provider might want to make sure there are no damages left unchecked, and that the home is not being neglected. So it’s not uncommon for insurers to send inspectors when you choose to renew a policy.
  • If your home is more than 25 years old and hasn’t been inspected in a few years. The older the home, the closer attention you’re going to need to pay to it to determine its value and any potential problems. So don’t be surprised if your insurer wants to run an inspection on your antique home.

Home insurers manage a lot of policies, and they might not have the time and resources to send an inspector for every new customer. So while some insurance companies do inspect homes for new policies, most don’t.

If you are looking to get your home in West Bloomfield, MI insured, or if you have any questions about getting covered, get in touch with the folks at Phil Klein Insurance Group. Phil Klein Insurance Group can get you the insurance policy you need to provide you with peace of mind.

Weather events covered by home insurance

When the weather outside is frightful your thoughts may be anything but delightful. You may actually be wondering if your home insurance will cover you for damages caused by weather events. The simple answer is yes it does but not every weather event. If you have a good insurance agent they will recommend that you add on to your policy any deficiencies that it may have for the area where you live. The Phil Klein Insurance Group in West Bloomfield, MI partners with more than 90 top carriers to provide our customers with the best possible choice. 

These are some of the weather events that are covered by home insurance:

Tornados

A tornado is a column of air that rotates at up to 250 miles an hour. It is caused by thunderstorms and some severe thunderstorms spawn multiple tornados. The results are devastating. In the United States, more than a thousand tornadoes occur yearly causing billions of dollars in damage. Damage from less severe wind storms is also covered.

Ice Storm

Ice storms happen when the air on the ground is cold enough to freeze the rain as soon as it hits an exposed surface. The National Weather Service defines an ice storm as a coating of more than a quarter of an inch of ice. The weight of the ice collapses tree branches and they can cause a lot of damage. Electric wires also come down and cause power outages. If a tree branch damages your home or outbuilding it will be covered and the cost of removing the branch will also be included. If the branch falls but doesn’t hit anything, you must remove it yourself. 

Snow

Snow damage is covered in most cases by your home insurance. 

These are some of the weather events covered by typical home insurance. Always check your policy to be sure about any coverage. In West Bloomfield, MI the Phil Klein Insurance Group will be happy to talk to you about home insurance coverage on the telephone or in our office. 

Will Home Insurance Cover Building Materials?

If you’re doing some renovations in your home, your home insurance policy may offer some limited protection for lost building materials, but it’s unlikely that you’re going to take the time to add every 2×4 and box of screws to your inventory for small projects, and even less likely that you’re going to be willing to file a home insurance claim on thirty dollars worth of lumber you were using to rebuild a window frame.

What you’re going to want to consider instead is asking your home insurer about renovation insurance, or "dwelling under construction insurance." This is an additional policy that you can buy from the insurance provider that will protect you against many of the risks you’re going to face as a homeowner while remodeling your home. That’s going to include common hazards that can take place during construction, as well as any building materials and tools that may be lost or damaged over the course of the project.

Of course, insurance always comes down to what you’re comfortable replacing yourself. If you’re doing small renovations, it might be wiser to simply not worry about it. It’s not hard for most homeowners to replace a single window and some hand tools out of pocket. When you have a much larger project though, adding a whole new bedroom, completely remodeling the bathroom, that’s when you’re going to be glad that you invested in renovation insurance.

If you’re looking to get covered in West Bloomfield, MI, get in touch with Phil Klein Insurance Group. At Phil Klein Insurance Group we can compare quotes from several insurance companies to get West Bloomfield, MI homeowners the protection they need.

Spring cleaning? Be sure to review your homeowner’s policy too!

Spring is the perfect time to give your home a vigorous cleaning, get organized, and discard or donate unused items. Once you have your home in great shape, it’s time to take a look at your insurance policy. We recommend that clients of the Phil Klein Insurance Group in the greater West Bloomfield MI area review their homeowner’s policies on a regular basis.

Your Insurance Needs Change – It’s Important that Your Insurance Policy Keeps Up

  • Changes in the value of your home – as the value of your home changes, so do does your coverage requirements. If there is a catastrophic event that makes your home uninhabitable, you will need the proper coverage to rebuild or relocate your family. Make sure that your policy levels are sufficient to cover the needs of your family.
  • The purchase of high ticket items and electronics – personal belongings can add up to a significant amount, especially when you consider all of the devices that every member of the family has. Be sure that these items are covered in the event of loss or damage. 
  • Updates and remodels to your home – when you have a major overhaul to your home, such as updating the kitchen and bathrooms or putting on an addition, your current policy will need to be updated to reflect this work. 

Our homes are an important part of our lives, and likely the largest investment that we will make in our lifetimes. Be sure that yours has the protection that is necessary to protect your family!

Don’t wait until it’s too late to find out that your homeowner’s insurance policy is no longer adequate for your needs. Call the Phil Klein Insurance Group today and make sure that your West Bloomfield, MI home has the protection it needs!

Things home insurance doesn’t cover

When you own a home it comes with a lot of risks. Things happen and some of them are not good. Home insurance gives you peace of mind that if bad things happen you will be able to repair or replace what was lost. But, and this is a big but, not all things are covered by home insurance. In West Bloomfield, MI, the Phil Klein Insurance Group is there to help give you the information you need. 

Wear and tear

Things wear out, your home insurance does not cover or replace things like your appliances, furnace or air conditioner when they wear out. It also doesn’t cover your 25-year-old roof that needs to be replaced.  

Moving earth

Earthquakes and mudslides caused by earthquakes are not covered. Sinkholes are also not covered. You can buy a separate policy or an endorsement on your basic home policy to cover these. 

Floods

According to FEMA, floods are the most common natural disaster in the United States. They can be caused by so many different things, including hurricanes, tornados, Nor’easters, spring thaw, and storms. 26% of homeowners will experience some sort of flooding during a 30 year mortgage period compared to only 4% with fire damage. Home insurance does not cover flooding. You need to purchase National Flood Insurance. 

Expensive jewelry and electronics

Homeowner’s insurance has set limits on the amount it will pay for jewelry and electronics. If you have items above the coverage limit the insurance will not give you the value of your items. You need to add a special rider. 

If you think your coverage may be inadequate or you are a new homeowner, Phil Klein Insurance Group in West Bloomfield, MI is happy to talk to you about your coverage and what you may need to add to it. Give them a call or stop by their office for a no-obligation quote. 

 

 

3 Best Ways to Compare Home Insurance Policies

A typical homeowners insurance will cover damage to your property or it can also cover damages that occur on your property. Sorting through all the differences in what is covered can feel overwhelming and complicated. There are some ways to narrow down choices when you are shopping for insurance. Comparing things like costs, premiums, and what is covered is a good way to compare policies.

If you are looking for insurance for your home, Phil Klein Insurance Group in West Bloomfield, MI can help.

Premium vs deductible

Deductibles are simply the amount of money that is deducted from your insured losses. The premium is paid each month or year to maintain coverage. These are usually balanced in a way that if one is higher in cost, the other is lower. It is important to discuss how these two factors are calculated and affected by large natural disaster events.
Coverage

Based on where you live and specific policies available in your area, there are many options for types of coverage. Standard homeowners insurance may not cover certain events and separate policies may be required to make sure you are covered. Natural disasters, vandalism, and home plumbing emergencies are just a few typical occurrences that may or may not be covered.

Liability limit

Liability is part of homeowners insurance that covers damages or injuries to others on your property. This can vary between policies based on the exclusion of certain scenarios and events. This is one of the fine print details that can be good to look at when comparing policies.

It can feel a bit challenging when comparing home insurance policies. There is a lot of fine print, but researching what policies are available in your area can help you make good decisions. Phil Klein Insurance Group in West Bloomfield, MI can help with your home insurance needs. Agents will be happy to discuss the details of what is most important to you as far as coverage and cost.
 

Why You Need Home Insurance

Your home is likely your most valued asset. Even if you are renting, all your valuables are stored within your residence. Still, you may wonder why you actually need a Home insurance policy. Here are a few reasons why you need a home insurance policy.

Lenders Require Home Insurance

If you have a mortgage on your home, your lender will probably require you to have home insurance. This is to protect their investment as well as yours. Phil Klein Insurance Group can help homeowners in West Bloomfield, Michigan determine the homeowner’s coverage that is required by their lender.

Financial Protection

Homes can become damaged due to a myriad of things, from natural disasters to leaky roofs. These damages may well exceed what you can cover out of pocket, even if your home isn’t a total loss. Without homeowners insurance, you would be faced with getting a loan to repair or replace your home. Then there’s the cost of replacing your things, which most loans won’t cover.

Your Possessions are Valuable

If you are renting, you may not see a need for home insurance. However, your possessions are valuable too. Even if your home doesn’t contain priceless valuables, it would require a good deal of money to replace your possessions. Most of us accumulate possessions throughout our lives and don’t really consider how expensive it would be to purchase everything we need for our home at one time.

Protection From Liability

In many cases, if someone is hurt or injured on your property, they can hold you responsible for their medical bills. In some cases, you may be responsible for lost wages or damages as well. Homeowners insurance can protect you from these risks, and pay associated costs in the case of an incident.

Phil Klein Insurance Group is an independent insurance agency in West Bloomfield, MI. This allows us to find the right home policy for your needs.