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McGovern Agency Blog

Quick Guide to Homeowner's Insurance

1/8/2020

0 Comments

 
Shopping for Homeowner's Insurance can be daunting!

Usually, a home is one of the biggest purchases a person will make in their lifetime - insuring that investment properly is a big deal! Take the uncertainty away by working with an agent you trust to help protect your assets! 

The Department of Insurance and Financial Services has put together material to further explain Homeowner's Insurance and the different options available to Homeowners, available here:
https://www.michigan.gov/documents/cis_ofis_03homegd_74854_7.pdf

To get an accurate quote, you will need the following types of information:
​
  • Construction materials
  • Type of floor plan
  • Number and types of rooms
  • Type of garage or carport
  • Total square footage
  • Fire and security devices
  • Distance from the nearest fire department and hydrant
  • Loss history
  • Special features or improvements
  • High-value contents or equipment
  • Employee or business exposures at home
  • Pets, Pools, Trampolines, Hot tubs, etc.

Questions to ask:
​
  • How much would I save if I increase my deductible?
  • Does coverage include water damage or sewer backup?
  • What is the difference between flood insurance and water damage or sewer backup insurance?
  • Is my coverage replacement cost or repair cost?
  • Are my dependents living away from home covered under my policy?
  • Does the policy cover my jewelry, antiques, or special collections?
  • What other special coverages are available?
  • What proof do I need in case of loss?
  • What discounts might I be eligible for?
  • Any other questions you have about insurance!

​​McGovern Agency is here for all your insurance needs.
Please feel free to contact us to discuss any questions you may have.
(586) 464-2400 ~ Inquiry@TheMcGovernAgency.com
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37102 S Groesbeck Hwy
Clinton Twp, MI 48036
(586) 464-2400
Click Here to Email Us

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  • Home
  • Quotes
    • Business Quotes >
      • Business Owners Package (BOP) Insurance Quote
      • Workers Compensation Quote
      • Business Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Liquor Liability Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Renters Insurance Quote
      • Flood Insurance Quote
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      • Health Insurance Quote
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      • Final Expense Insurance Quote
    • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Complimentary Consultation
  • Insurance
    • Business >
      • Business Owners Package (BOP) Insurance
      • Workers Compensation
      • Business Insurance
      • Group Benefits
      • Insurance Bonds
      • Liquor Liability Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Property >
      • Home Insurance
      • Renters Insurance
      • Flood Insurance
      • Landlords Insurance
      • Earthquake Insurance
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Part A Hospital
      • Medicare Advantage Plans
      • Medicare Supplement Coverage
      • Vision Insurance
    • Cancer Insurance
    • Umbrella Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
    • Other >
      • Event Insurance
      • Travel Insurance
      • Wedding Insurance
  • Health
  • About
    • Meet Our Staff
    • Blog
    • Agency Photo Gallery
    • Community Involvement
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