Michigan homeowners don’t always think of natural disasters the way people in other states do, but that doesn’t mean the risks aren’t real. Heavy snow, ice storms, flooding, and even the occasional tornado can leave serious damage behind. Knowing what your home insurance through Premier Insurance Agency serving Detroit, MI covers before something happens can make all the difference.

What’s Typically Covered

Standard home insurance policies in Michigan generally include protection for wind, hail, and damage caused by falling trees or branches. That means if a winter storm takes down part of your roof, you’ll likely be covered. Fire damage is also included, which is important after events like lightning strikes during summer storms.

Where Coverage Falls Short

Flooding is a major gap. Rising water from heavy rain or overflowing rivers isn’t included in a standard policy. Homeowners near lakes or low-lying areas often need separate flood insurance for full protection. Earth movement, such as sinkholes, is another area where standard coverage usually won’t apply. Knowing these exclusions ahead of time helps avoid unwelcome surprises.

Extra Protection to Consider

In Michigan, endorsements or add-ons can be a smart move. Sewer and drain backup coverage, for example, is valuable during the spring thaw when water tables rise. Extended replacement cost coverage can also help if rebuilding after a disaster costs more than expected due to labor or material shortages.

Natural disasters may not be everyday concerns in Michigan, but when they strike, the impact is serious. Reviewing your policy with an agent at Premier Insurance Agency serving Detroit, MI, ensures you’ve got the right mix of coverage so your home and the investment behind it are protected no matter what the weather brings. Contact us today, and we’ll be happy to review your existing coverage or get you covered with what you need.