Home Insurance in Manchester
You want to protect your biggest investments. For most people, their biggest investment is their home. A lot of things can happen to your home to cause damage. Fires, storms, wind, and falling objects (such as trees) can cause hundreds of thousands of dollars in damage to your home. You likely cannot pay for this damage out of your own pocket. That’s when insurance kicks in.
Home insurance in Michigan, like in most states, provides financial protection for homeowners against potential damages and liabilities related to their property. Michigan’s home insurance policies typically cover the structure of a home, personal belongings, and liability protection.
No matter what type of home you live in, there are risks that you must think about when looking for the perfect coverage for your home. There are many types of insurance coverage to consider. By selecting the appropriate insurance, you will be given peace of mind knowing that your home is protected from unexpected events.
Get adequate coverage for your home today with help from the Manchester insurance agents at Hartman Insurance Agency. Contact us today for a quote.
What is Covered and What is Not?
Home insurance policies vary but typically cover the following:
- Fire and smoke damage
- Wind and hail damage
- Theft or vandalism
- Water damage (not related to a flood)
- Falling objects
Here are some common exclusions:
- Flooding. Michigan is prone to certain flooding risks, especially in areas near rivers and lakes. Homeowners need a separate flood insurance policy to cover this risk.
- Earthquakes. Earthquake coverage is generally excluded, though it can be added as an endorsement.
Home insurance also does not cover the following:
- Failure to make your repairs
- Wear and tear
- Decay
- Contamination
- Pests and animals
- Power outages
- Government actions or war
Types of Coverage
Different home insurance policies can cover different things. You can opt for various forms of coverage to protect your home. Here are some common coverages to consider:
- Dwelling coverage. This insurance protects the physical structure of your home against covered perils such as fire, hail, or windstorms.
- Personal property coverage. This insurance covers your belongings, such as furniture, electronics, and clothes, in case they are damaged, stolen, or destroyed.
- Liability protection. This coverage helps pay for legal expenses if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Loss of use coverage. If your home becomes uninhabitable due to a covered peril, this helps cover additional living expenses while repairs are made.
- Medical payments. This insurance covers medical expenses for guests injured on your property, regardless of fault.
Contact Our Michigan Home Insurance Agency Today
If you are in the home insurance market and want to learn about your options, contact Hartman Insurance Agency. We will go above and beyond to ensure you have the coverage you need for your Manchester home. Call our office at (734) 425-6023 or fill out the online form to schedule a consultation.