Reach Out to Your Insurance Provider

The first step is to contact your insurance agent at Phil Klein Insurance Group, serving West Bloomfield, MI. If the lapse just occurred—perhaps you missed a payment by a few days—there’s a chance they’ll allow you to pay the overdue amount and reinstate your policy. Keeping the same coverage in place is often simpler and can help prevent your premiums from increasing.

Be Prepared for New Terms

If your policy has been inactive for an extended period, your insurer may require you to start over with a new policy. In some cases, this could come with different terms or higher costs, as lapses are often seen as a risk factor. You may also need to explore options from other insurance providers to find coverage that fits your needs and budget.

Prevent Future Lapses

Once your coverage is reinstated, it’s wise to take steps to prevent another lapse. Many homeowners set up automatic payments or use reminders to ensure premiums are paid on time. These small measures can help maintain consistent coverage, avoid complications with mortgage lenders, and keep your rates stable.

If you’re unsure how to proceed, consulting with your Michigan insurance agent at Phil Klein Insurance Group, serving West Bloomfield, MI, can provide clarity. We’ll help you navigate your options and ensure your home remains protected—no matter what challenges arise. Contact us today for assistance.

When was the last time you looked at your home insurance policy? If you are like most West Bloomfield, MI homeowners, you probably haven’t looked at it since you chose your original policy. Hopefully, you didn’t ignore the possible add-ons to your insurance policy that could have helped you down the road. If you did, you can always add them later. At Phil Klein Insurance Group, we want to help each of our customers get the perfect level of coverage for their home. This means considering the following three add-ons.

1. Ordinance Coverage

Construction codes for homes change all the time. The good thing is, you don’t have to update your home to match the zoning or local code once it is already built. If you decide to update or repair your home after damage, you do have to follow building codes. This could be costly, so adding ordinance coverage to your home insurance policy is a good idea if you are concerned this might happen to you.

2. Home Business Coverage

You may need additional coverage if you run a business from your home. Most insurance policies have a maximum payout for claims for a home business. It’s usually around $2,500. Almost every business on Earth will need a bigger payout than this if they lose their home business thanks to a natural disaster or fire destroying their home. Anyone who owns a business and works from home should get this endorsement for their policy.

3. Sinkhole Coverage

Sinkholes can happen anywhere. You should be protected if this is something that concerns you because it could result in the total loss of your home. Do some research to see how at-risk your home is of getting swallowed by a sinkhole.

At Phil Klein Insurance Group, we are the West Bloomfield, MI, area’s experts in home insurance. Residents who are concerned about their level of coverage should call us today.