Homeowner Insurance
from Ieuter Insurance Group
Michigan Homeowners Insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find an affordable Michigan homeowners insurance policy that fits your needs. We specialize in making it easy to choose the coverage that gives you the best value for the best price.
Your homeowners insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on:
- Options you select - Often homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
- How much you want to cover - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where you set your limits - You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The Right Coverage. The Right Price. The Right Value
The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
- Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
- Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
- Medical Coverage
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
- Additional Living Expenses
If you can’t live in your home because of a covered loss, your homeowners insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
- Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
- Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
- If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique. Talk to us today to find out how to get the best homeowners insurance rates for your needs.
Best Rated Affordable Homeowners Insurance in Midland, Michigan
Ieuter Insurance Group is located on 414 Townsend St, Midland. From MBS International Airport (MBS) head east and keep right. Then turn right onto Garfield Rd and turn left to merge onto US-10 W to merge onto US-10 W. Next, use the left lane to take exit 128 for US-10 BUS/M-20 toward Downtown/Midland and continue onto M-20 W/US-10 BUS W. Finally, at the traffic circle, take the 2nd exit onto US-10 BUS W and Ieuter Insurance Group will be on your left.
We're open Monday-Thursday 7am-5:30pm, Friday 8am-5pm, Saturday-Sunday Closed.
For additional questions you can call us at (989) 835-6701 or you can find us on Yelp.
High-value Homeowners Insurance
High value homes have unique insurance needs. An ordinary homeowners policy just doesn’t properly protect these exclusive homes. Ieuter Insurance Group specializes in high value home insurance to make sure your home gets the coverage it really needs.
Your home and assets often represent the culmination of years of work and it is important that you obtain a policy that is going to give you the right amount of protection.
We have teamed up with the top rated insurance companies in the country to offer specialized coverage for high value homes at competitive pricing. Contact us today for a comprehensive review of your high value homeowners insurance.
- Higher limits for valuable items such as jewelry, watercraft, and silverware
- Personal injury protection against lawsuits
- Coverage in case of water backup with sewers and drains
- Replacement cost coverage that will pay the amount to rebuild the home and other property structures and replace personal possessions at the current cost with no depreciation
Whether you are an established business, or just starting, give us a call at 989-835-6701 or email us at info [at] ieuter [dot] com.
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