Clinton Home Insurance

Insurance may seem like a costly and unnecessary expense, but it is a great way to protect your assets as well as the ones you love. Home insurance is no exception.

Under state law, home insurance is not required in Michigan. However, certain lenders may require it if you finance your home (have a mortgage). This is so the lender’s interests are protected.

Owning a home carries risks. What would you do if something happened to it? A fire, flood, or windstorm could cause significant damage to your home. Theft or vandalism could also occur, and insurance would cover it.

Home insurance is essential for protecting your investment, providing financial security, and offering peace of mind in the event of unexpected events that could lead to significant financial losses. There are many options available, such as dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage. You will pay an annual premium based on your coverage and then file a claim with the insurance company and pay a deductible if a covered event occurs. Here is a look at why home insurance is important and how Hartman Insurance Agency can protect your Clinton home.

Why Do I Need Home Insurance?

Besides it being a requirement for most mortgage companies, home insurance is a good idea for the following reasons:

• Protection of property. One of the primary functions of homeowners insurance is to protect your property. It covers your home and its contents against damage or loss from events such as fire, theft, vandalism, and natural disasters such as severe storms and tornados
• Financial security. For most people, their home is their most valuable asset. Homeowners insurance provides financial security by helping to repair or replace your home and belongings if they are damaged or destroyed. Without insurance, you would have to bear the full cost of repairs or replacement out of pocket.
• Liability protection. Homeowners insurance also provides liability protection. If someone is injured on your property and you are found legally responsible, your insurance can help cover their medical expenses and legal fees. It can also provide coverage if you or a family member accidentally damage someone else’s property.
• Additional living expenses. If your home becomes uninhabitable due to a covered event, homeowners insurance can help cover the cost of temporary accommodations, such as hotel stays, as well as additional expenses, such as food and transportation.
• Peace of mind. Knowing that you have insurance coverage in place can provide peace of mind, allowing you to focus on enjoying your home and your life without worrying about “what if?”

Contact Our Clinton Home Insurance Agency Today

It is important to protect your home, which is likely your biggest investment. Hartman Insurance Agency can assess your situation so you can protect your Clinton home and get peace of mind.

Hartman Insurance will go above and beyond to ensure you get the insurance coverage you need for your home. Fill out the online form or call (734) 999-4190 to schedule an appointment.