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Home Insurance In Belleville MI

Home Insurance In Belleville MI

Belleville Michigan is a beautiful city just outside of Ann Arbor and Detroit. For generations, Belleville has been the destination for discriminating visitors and for families looking for a home that is centrally located and in a diverse and dynamic community. Tree lined neighborhoods, parks and a vibrant and charming downtown make this picturesque lake side city ideal for families and outdoor enthusiasts. Single family homes are in the majority here, but condos and apartments are also available. Of course, with any home purchase or rental, it is vital that you have proper coverage for your home, and your belongings in the event of a natural disaster or other event.

Understanding Homeowners Insurance

Homeowners insurance in Belleville MI protects you against the unexpected expenses that can occur as a result of a fire, lightning, hail, windstorm, ice storm, snow damage, theft, or even the freezing of your plumbing system. Without homeowners insurance, you are wholly responsible financially for the costs associated with rebuilding your home and purchasing items lost as a result of the damage. As an example, freezing pipes and they damages they cause to the structure and to personal belongings can cost homeowners $25,000, $35,000 or more. With homeowner’s insurance, you are just responsible for your deductible, and the insurance company picks up the tab for the rest of the repairs. If you have a mortgage on your home, you are required to carry homeowner’s insurance. As policies and rates change frequently, it is important that you routinely have your policy evaluated by your current insurance company and that you receive an outside quote as well to make sure that you are fully covered and that you are paying a fair rate.

Understanding Renters Insurance

If you are renting a home, home insurance in Belleville MI is essential for you too. This is true if you are renting a single-family home, a condo, or an apartment. While your landlord will have insurance that covers the physical structure of the building, this insurance policy does not cover your belongings or the liability of accidents. If your property is stolen, destroyed or damaged by a fire or other severe weather event, your renters home insurance in Belleville MI will cover the costs associated with replacing your possessions. If you think that you do not have enough valuables to insure, think again. Walk through your home and make a mental note of what it would cost to replace all of your clothing, all of the bedding, your furniture, electronics, appliances, collectibles, and everything else. Chances are you will be surprised at the amount of money it would take to replace your belongings.

Whether you are a renter or a homeowner, it is essential that you keep an accurate and complete inventory of your possessions. Clothing, collectibles, artwork, electronics, furniture, appliances…everything must be accounted for. This will help you in the event of a catastrophic weather event or if your home is broken into. Ensure you and your family are protected in the event of an unforeseen weather event or break in by insuring your home through a reputable agent.

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Street Address:

8380 Belleville Road

Belleville, MI 48111-1380

Mailing Address:

8380 Belleville Rd

Belleville, MI 48111-1380

Landmark:

Located just North of I94 on Belleville Rd between Tyler Rd and Ecorse Rd

Phone: (734) 697-0773

Fax: (734) 697-3778

Office Hours:

Mon-Fri 9:00am to 5:00pm

Weekends by Appointment

After Hours by Appointment