Quick Guide to Homeowner's Insurance

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:
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• 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:
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• 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 to assist with any and all insurance needs.