Home Coverage For Michigan Residents

Homeowners insurance or home insurance for short is one of our specialties at Fitzpatrick Insurance. Home insurance isn’t technically required by law, but is an absolute must-have for every homeowner. Not only does it protect your home and possessions against accidents, damage, or theft, but virtually all loans require borrowers to have coverage for the fair market value of a property and won’t give a loan without a suitable policy in place. Policies can come with a variety of premiums and coverages. What is a qualifying event for a claim? What is the reimbursement limit on the policy? What kind of deductible will you pay in various scenarios? It’s important to work with experienced professionals to ensure you get the right coverage. The main functions of home insurance include:

• Coverage for your home, garage, and other structures.
• Coverage for your personal belongings.
• Paying for you to live elsewhere while your house is being repaired or your claim is being processed
• Liability coverage if you’re held legally responsible for damage or injury to someone else.