Michigan Homeowner's Insurance
Common Homeowner's Insurance Coverage
The core coverage of a homeowner’s insurance policy is your physical dwelling. This coverage limits your personal cost for repairs to the walls, foundation, or roof following certain types of damage.
This coverage on your policy extends to anything from sheds to pools or garages that aren’t connected directly to your home.
When property within your home is lost or destroyed from perils within your policy, a homeowner’s insurance policy helps you replace these items.
Additional Living Expenses
Following major damage or complete loss of home due to covered events, this addresses costs for everything from temporary housing to meals and more until your home is safe to live in again.
Personal Liability Protection
Following an injury on your property, or damage to another person’s major property at your home, you may be held legally liable. Homeowner’s insurance policies with personal liability protection cover you from financial costs associated with these damages.
When a non-resident of the insured property is injured on that property, medical payments associated with their recovery are covered through medical payment policies on your homeowner’s insurance.
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Request a Homeowner’s Insurance Quote Today!
Iott Insurance offers several discounts that can be applied to your homeowner’s insurance quote, including:
- Multi-policy Discount
- Group Affiliation
- Home Security
- Updated Roof
- Claims Free
- Senior Discount
- Protection Devices (fire extinguisher, smoke detectors and dead bolt locks)
Frequently Asked Questions about Homeowner’s Insurance
How Do I Know the Value of the Items Inside My Home?
Taking a home inventory is the best (and only reliable) way to truly catalog your belongings for the possibility of an insurance claim. When you file a claim for losses due to a covered peril, it’s your responsibility to provide an accurate list of items you owned. You may be required to show some proof of ownership for certain items.
Is Water Damage Covered Under My Homeowner's Insurance Policy?
Water damage can describe several different types of events. Whether or not these will be covered depends on your specific policy and endorsements. Sewer back up damage may be covered with a specific endorsement whereas flood damages would require a separate Flood Policy altogether.
If you’re worried about a specific type of risk, we can help answer your questions and provide you with guidance towards protecting your home!
Report A Claim
Do you need to report a claim? Our dedicated claims specialists are standing by to help!
Find out about our claims process, who to contact, and how you can receive afterhours claims assistance.