Homeowners Insurance in Brighton, South Lyon, Howell, Pinckney, Ann Arbor, and the Surrounding Areas

Homeowners Insurance in Brighton, South Lyon, Howell, Pinckney, Ann Arbor

Homeowners insurance is a common thing in Brighton, South Lyon, Howell, Pinckney, Ann Arbor, and the surrounding areas, but are there things that many homeowners don’t know about their homeowners insurance? When you work with Follmer Insurance Services we will strive to answer all of your questions and make sure that you understand what your homeowners insurance covers and what it does not cover. Here we will break down some of the things that many homeowners miss or misunderstand related to what their home insurance will cover. Contact our team today to schedule a review of your home insurance and to learn what to do to address some of these lesser-known things.

Limitations and Restrictions

While much of what is in our homes are standard items, like clothing, appliances, furniture, and other things, there could be some items that are of special value that exceed the standard limits of the home insurance. Expensive jewelry, antiques, paintings, or other collectibles that have significant value need to be listed on a rider to your homeowners insurance. Here you can list out the true cost of these items so that they will be included with your home insurance, otherwise you will lose out on that value if the items is stolen, destroyed, or otherwise lost.

Families love to have dogs for the companionship, love, and joy that they bring. However, there are some dog breeds that some insurance companies will restrict from covering due to things like the likelihood that they are to bite someone, etc. Be sure to check your insurance paperwork to see if there are any breed restrictions that come along with your policy before you pick out your new furry family member.

Some Coverages Are Not Included at All

Just like it is important to understand what is covered with your homeowners insurance policy, it is also important to understand what is NOT covered with the policy. In most cases, flooding of your home is not included with your policy. The same is true of earthquakes, however both of these have ways to be insured against with specialty insurance policies. Not everyone will need either of these, but it is good to speak with your independent insurance agent to find out if it is a good idea to look for these additional policies to supplement your homeowners insurance.

There are different things that can affect your premiums as well, such as adding a trampoline or adjusting your deductible amount in Brighton, South Lyon, Howell, Pinckney, Ann Arbor, and the surrounding areas. The best place to start is by contacting Follmer Insurance Services and speaking with our independent insurance agents. We will shop the market to find you several quotes for homeowners insurance that fits your situation.

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