Let’s Start At The Top: Home Insurance Policies And Your Roof

If You Haven’t Faced It Before, You Will Now

We’ll take it straight from the top. The agents of Premier Insurance Agency in Detroit, MI are sympathetic to the needs of all homeowners. We are homeowners ourselves and, undoubtedly, we have faced many of the same trials and tribulations that you have come across as people who are kings and queens of their own castle. While there are many perks and many things that are wonderful about home ownership, there are many things that are very troublesome

On Top Of It All – Your Roof

Roofs are scary objects. The reason they are frightening is that they cover everything else. If there is a problem on the roof, then there is likely a problem below it. Because it covers everything and everyone that we hold dear, it’s a wise decision to protect and cover it properly. Roofs are generally covered similarly on each insurance policy. Your home insurance will cover damage to your roof from extreme weather or accidents. This includes hurricanes, tornadoes, heavy wind, and rain. 

Some factors that may mean you need more coverage

  • Is the roof especially aged?
  • Has it been replaced recently?
  • Did you replace the roof or the previous homeowner?
  • Did the previous homeowner leave you any information about the condition of the roof or repairs that may have occurred?

In addition to the ones listed above, there may be other reasons that you want to add extra protection onto your homeowner’s insurance policy for your roof. Come in today to speak with an agent at Premier Insurance Agency. Serving Detroit, MI, and surrounding areas, our knowledgeable agents can inform you of different instances wherein you may require additional insurance to adequately provide the right amount of coverage for your roof.

 

 

Factors that Affect a Homeowner’s Policy

Do you ever wonder why you pay more for home insurance than your friends in the south? It might seem unfair, but factors such as the neighborhood you live in, your home’s proximity to rivers and trees, and the number of claims you previously made can all influence the cost of your home insurance in Detroit, MI. Here at Premier Insurance Agency, we hold a fundamental rule that the greater the risk of loss or damage involving your possessions, including their estimated value, the more your premiums are likely to be.

Knowing the following factors will help you on your homeowner’s policy:

Neighborhood – Insurers keep statistics on claims made from different locations in Detroit, MI. These claims are then recorded and calculated into rates. Therefore, if you reside in a neighborhood that is prone to burglary, your premium may reflect that.

Claims, coverage, and deductible – The higher your deductible – the amount you agree to pay upfront when claiming – the lower your insurance rate. A higher deductible can reduce the number of small claims you make, keeping your claim history clean, which in turn contributes to keeping rates down.

Value of your possessions – It goes without saying that the more valuable of items you own and want to be insured, the more you will have to pay. At Premier Insurance Agency, we ensure our clients are cognizant of this obvious, yet important factor.

Proximity to water and fire halls – Being close to or living in an area that is deemed to be prone to flooding may cause your rates to increase. Hydrants and fire halls may lower your premium because every extra minute of response time can affect the extent of the damage.

Premier Insurance Agency in Detroit, MI is dedicated to helping customers find the right home insurance policy. To speak to one of our dedicated experts, call 866-680-7283.