Category: Home Insurance

The agents at Mitten Heritage Fraternal Society of Insurance serving the Berville, MI area want you to know that home insurance is designed to provide protection against financial losses that you could suffer if your home is damaged or destroyed along with some of its contents.

While home insurance policies vary in the coverage they provide, there are certain things that they do cover if the image is caused by a fire, burglary, natural disasters, or acts of vandalism.

What Does Home Insurance Cover?

Home insurance will cover the physical structure of your house as well as any outbuildings and attachments, such as your garage or deck.

Home insurance will also cover your personal items that are inside your home. These can include your clothing and furniture as well as your appliances, electronic devices, and other things you own. It is imperative to remember that personal property coverage does have limits, so if you have very expensive items, such as jewelry or rare artwork, you will want to add on a policy to cover those items to your regular homeowner insurance policy.

If someone trips and falls at your house and is injured, home liability coverage insurance is very important to have in place. This will help pay for that person’s medical bills and other expenses and even cover legal expenses for you if the person files a lawsuit against you.

If you have to relocate to a different home while your house is being repaired or rebuilt after it is damaged in some sort of incident, your home insurance policy can provide you with additional living expenses. This can include helping you with the rent of another place if you’re going to be displaced from your home for a lengthy amount of time or even a hotel stay, as well as meals and other expenses you may incur.

Reach Out To Us

Contact the experienced home insurance agents at Mitten Heritage Fraternal Society of Insurance serving the Berville, MI area to get your policy started today!

Does the thought of purchasing home insurance overwhelm you? You’re not alone. There’s a high chance that most Berville, MI residents don’t understand in detail what home insurance is all about. Fortunately, Mitten Heritage Fraternal Society of Insurance is your trusted partner in clarifying issues.

Here are some of the coverage options you need to know about:

Liability Coverage

Liability coverage protects you if a guest is injured in your home. For instance, if your dog bites the guest or they trip on a cracked pavement and get injured, the policy will cover the resulting medical expenses or legal fees. This protection also applies to guest property damage that happens around your property.

Contents Coverage

No doubt, you own property in your home. This includes appliances, furniture, clothing, and electronics. If these items are exposed to risks like vandalism, fire, hail, or water damage, this policy will help cover the repair or replacement expenses. However, this policy doesn’t extend to precious items like art or jewelry. Our agents will be happy to talk to you about how you can protect such things.

Dwelling Coverage

This coverage protects your home structures, such as walls, floors, ceilings, and fixed structures like sinks, cabinets, and bookcases. Should you encounter a risk that damages these parts, dwelling coverage will compensate you for the loss you incur. Detached structures such as sheds and garages are also covered here.

Loss of Use Coverage

This type of coverage is also called additional living expenses (ALE) insurance. It helps pay for the additional expenses you incur, such as housing and meals if you encounter a covered event such as fire or vandalism.

Contact Us Today

Protect your home in Berville, MI with our insurance experts at Mitten Heritage Fraternal Society of Insurance. We will help you find the right coverage option based on your needs.

Home insurance makes it possible to sleep at night knowing your home is protected. So many things can go wrong. It is vital to ensure you have the right insurance and understand what it covers. At Mitten Heritage Fraternal Society of Insurance in Berville, MI, we take our responsibility as independent insurance agents seriously. We are committed to sharing our knowledge and giving our clients the benefit of that experience.

Owner Neglect

Owner neglect covers a lot of ground, and you may not have even considered some of the things that are considered neglect. As a homeowner, you probably think it is up to you to decide what treatments you should have done and when to do your repairs. Wrong, your insurance carrier can tell you what you should have done if you try to collect on your insurance.

If you have termites, you should get termite treatment, so you don’t sustain any damage. If you have a leaking roof, you should replace your old roof before it starts to leak. Your insurance has the right to expect you to do upkeep and repairs on your home.

Flood 

Floods can be very damaging. They are not covered by standard home insurance. Luckily, if you are in an area where the danger of flooding exists, you can buy flood insurance from the NFIP.

Earth Movement

Earth movement covers several common hazards: earthquakes, sinkholes, and mudslides. All of them involve earth movement, and none are covered.

Sewer Backup

What could be grosser than having your sewer back up into your house? Having a swear backup and finding out that your home insurance doesn’t cover it. Don’t say you weren’t warned. Look for an endorsement if the thought worries you.

Contact Mitten Heritage Fraternal Society of Insurance in Berville, MI for all your insurance needs.