Home Insurance

When you’re a homeowner in Michigan, you want peace of mind knowing that your home is protected. What happens if there’s damage or someone gets injured? Home insurance can offer you financial protection. With our help at Gardner and Gardner Insurance Agency, we can build the policy you can count on.

Is home insurance required?

While Michigan does not require home insurance, it is required by your mortgage company. This ensures that you are protecting their investment.

Even if you have paid your home in full, having home insurance is highly suggested. It ensures that you get the coverage when and where you need it the most. A standard home insurance policy will offer protection for:

  • Your home
  • Your belongings
  • Loss of use
  • Liability

It ensures that you can file a claim if something happens so that you aren’t financially responsible for everything on your own.

How Your Home Insurance Can Be Personalized

Every home is different, which means that every home policy should be different, too. Your home insurance policy is based on the value of your home. However, it is also based on what you have on your property – swimming pools, detached garages, dogs, and more.

Our agents will work to customize a policy to ensure you are covered against every potential scenario. If you have high-value items, we can add a rider. If you have a lot of parties, we can increase the level of liability coverage.

Even once we create a home insurance policy for you, you can change. As you make updates to your home, you may find that your policy needs to be updated as well. We will provide those annual reminders to review your policy.

Give us a call at Gardner and Gardner Insurance Agency today to discuss home insurance. One of our independent insurance agents can answer questions and customize a policy for you.