Even though home insurance is not required in Michigan, the Phil Klein Insurance Group agents serving the West Bloomfield, MI area want you to know it is essential to have it anyway. Also, if you owe a mortgage on your home, your lender probably requires you to have a home insurance policy in place.
What is Home Insurance?
Regarding different types of insurance policies, home insurance is one of the most important ones to have. It is a policy designed to provide financial protection for you and your investment in the home you love.
What Does Home Insurance Cover?
We never know when disaster will strike or completely destroy or damage your home. Most home insurance policies only cover the structure of your house and its contents. The contents include your furniture, appliances, clothing, electronics, and other personal belongings. You can work with your insurance agent to include other structures on your property, such as privacy fences, decks, sheds, garages, and more. These things can all be covered if a tornado or another natural disaster occurs, a fire happens, or someone commits an act of vandalism at your home.
A home insurance policy can also cover items stolen in a burglary or theft incident. It can also help protect you from a lawsuit if someone falls and is injured on your property. This is because it will help pay the person’s medical bills and other expenses, which can keep you out of court.
Contact Phil Klein Insurance Group
To start your home insurance policy and get the peace of mind you deserve, contact the experienced home insurance agents at the Phil Klein Insurance Group serving the West Bloomfield, MI area today!