Category: Home Insurance

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.