FAQ for Home & Auto Insurance For Brighton, South Lyon, Howell, Pinckney, Ann Arbor, MI, and the Surrounding Areas

How can I lower my premium?

If you want to lower your monthly premium, or buy more coverage for less money, one way is to carry a higher deductible. A higher deductible also may make sense if you believe that your chances of making a claim are remote enough to warrant assuming extra financial risk.

What damage to my house would not be covered by my homeowner's policy?

It largely depends on what coverage you carry on your home. Please contact us to discuss in more detail.

Why should I purchase Homeowner Insurance?

A home can require a tremendous investment of money, time, and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner’s insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. Most likely, if you have a mortgage on your home, you are required to carry homeowner’s insurance.

What can I do about expensive possessions, like jewelry and camera equipment, that are far more valuable than the coverage limits of my homeowner's policy?

You can purchase additional coverage, through an endorsement to your existing policy or with a separate policy, to extend the limits of coverage for specific items.

What does it mean when a car is totaled?

After an accident or theft recovery, if the insurance company decides your car is “totaled,” it means the estimate of repairs exceeds the car’s value. At this point, the insurance company will likely send you a check for your car’s value. It gets to keep your car unless you make arrangements to buy it back “as is”.

What happens if my car is stolen?

Entirely depends on what coverage the vehicle had at the time of the claim.

Ready To Get Started?

Contact our knowledgeable agents today for a free quote!

810-224-5115Contact Us