Home Insurance in Brighton, MI
At Active Insurance, we’re dedicated to helping homeowners find the ideal home insurance solutions for their unique needs.
What Does It Cover?
In general, a standard home insurance policy includes the following coverage:
- Liability coverage can cover your losses if you’re held responsible for third-party bodily injuries or property damage.
- Dwelling coverage can help pay to repair or rebuild your home and fixtures if it’s damaged by events like fire, vandalism, theft and certain types of natural disasters.
- Structures coverage can cover the reconstruction of detached structures following a covered incident.
- Loss of use coverage can help pay for living expenses such as meals and temporary lodging if you’re forced to vacate your home due to a covered peril.
- Personal property coverage can cover replacing your belongings, such as appliances, electronics and furniture, if they are stolen or damaged, subject to policy limits.
Depending on your circumstances, you may also want to consider additional options, such as flood insurance, sewer backup coverage or scheduled property coverage for valuable items. Contact your broker to learn more.
Why Does It Matter?
Home insurance can be important for compliance purposes. While Michigan state law does not require home insurance, your lender may ask for proof of a policy if you have a mortgage on your property.
How Much Does a Policy Cost?
When calculating your home insurance premium, your insurer may consider the following factors:
- Property type and value
- Location
- Risk exposure (e.g., crime, fire, natural disasters, etc.)
- Deductible
- Coverage selections
- Prior claims
Get a Home Insurance Policy Today
Whether you’re buying your first home or reviewing your current policy, our team at Active Insurance is ready to help. Contact us for a personalized quote or to discuss your coverage options.