Home Insurance is Always On Duty Even when You Aren’t

Homeownership is a rewarding experience and part of the American dream. It is also, however, a considerable expense. To protect your investment and all the work and time you put into your home, home insurance is a necessity. And for people living in and around Detroit, MI, that is where the Premier Insurance Agency can help.

The good news is that home insurance offers benefits beyond protecting your home from damage or making repairs affordable. In addition to the many practical benefits home insurance affords, it also gives homeowners the benefit of assurance.

That means homeowners can relax knowing that if a storm damages their roof or some other unforeseen damages arise, their homes are protected. Even on vacation or when homeowners aren’t on duty, home insurance always is.

Protecting the Place We Call Home

For many of us, our homes are more than a mere structure where we sleep at night. Our homes are where we raise families, make memories, and make dreams come true. For homeowners who work with trusted and experienced insurance agents, like the Premier Insurance Agency, they can feel good knowing the place they call home is protected and safe.

For residents in and around the greater Detroit area, we offer the insurance and peace of mind homeowners need and deserve. It doesn’t matter if you live in a single-family home or a three-story; the Premier Insurance Agency has you and your home covered.

Protect Your Home with the Premier Insurance Agency

Thank you for visiting Premier Insurance Agency, where we provide home insurance solutions for homes throughout Detroit, MI, and the surrounding area. Contact us to learn more and protect your home with the Premier Insurance Agency today.

Four Facts You Should Know When Shopping for Home Insurance

Purchasing home insurance is never straightforward, even for seasoned homeowners. With many home insurance policies, it’s never easy to know the right home insurance to buy. Premier Insurance Agency understands you may not be confident when renewing or shopping for home insurance. Here are handy tips to help you before heading to the market.

Understand the different home insurance policies

Home insurance isn’t one broad policy — it’s broken down into several policies. It’s a good idea to understand various policies to help you know the ones best suited for your current needs. Home insurance is pretty standard in the US, although it may differ slightly in some states. However, the different home insurance policies you might come across include dwelling, personal assets, liability coverage, and loss of use.

Not every type of damage is covered.

It’s good to understand what’s covered by your home insurance, but it’s equally important to understand what’s not covered. This way, you can better understand add-ons you can consider to boost your home insurance.

A home inventory really helps.

Relying on your memory can fail you terribly when insuring your personal assets. To ensure everything under your possession is insured, conduct a room-from-room inventory count. Always update this inventory list as you add and dispose of your belongings.

Consider the deductible

A deductible is an amount you pay before the insurer compensates you. The higher the deductible, the lower the premiums. Similarly, the lower the deductible, the higher the premiums. Always weigh both options and settle for a deductible you are comfortable with.

Home insurance in Michigan

Want to learn more tips about home insurance? Please call or email Premier Insurance Agency for more information. Better yet, you can pop into our Detroit, MI office to chat with one of our sales agents in person.

Michigan Home Insurance Explained for First Time Homeowners

When you are a first-time homebuyer, you are out of your mind with excitement. With so much going on, it can be easy to get so overwhelmed with paperwork that you don’t pay much attention to the details. For your home insurance, there might be a lot going on that you just weren’t aware of. 

At Premier Insurance Agency, we want Detroit, MI first-time homebuyers to know the fine print of their first home insurance policy.  Here are some things to keep in mind as you purchase your first home.

Pick Someone You Trust to Watch Your Home

There are certain conditions that you need to be aware of with your home insurance policy when you are buying a home. One of those conditions is that your home can’t be vacant for a long time. If you are going away for any length of time, you’ll be required to have someone check on it on occasion in order to keep the policy valid.
 
This is for more than just watering the plants. You’ll want them to check the pipes, make sure that the house is secure, and check to see if there are any major problems like a rodent infestation or issues with the home.

Don’t Be Afraid to Put Honest Values on Your Contents

A lot of people just don’t know how much their belongings are worth. When you add the TV room alone to your list, the values are significant. It is possible that you have stuff that you have had for a long time, and you are inclined to lower the value. Be honest about what you have.

If you have been given things like furniture, it still has value. Take a complete inventory before you set the values of your contents. You may be lowballing it or doing the opposite. Be sure you know what you have and what it is worth.

Maintain Your Home Regularly 

Maintenance is key when you have a home, and your home insurance company is going to want you to stay on top of things. You can’t let your roof go until it’s in shambles, and you want them to pay for a new one for example. Make a checklist for weekly, monthly, and seasonal checkups, and stay on top of it.

Get a Quote

When you are buying home insurance for the first time, make as many lists as you can. This is the policy that is going to protect everything that you have worked for. At Premier Insurance Agency, we want Detroit, MI homeowners to be ready for this exciting new journey. Give us a call for a quote today.

Do you have enough home insurance?

Your Detroit, MI home is your most valuable asset. It is not a good idea to let your biggest investment go without protection because you do not understand what makes a good policy. The agents at Premier Insurance Agency can help you find the indemnity plan that covers your property as well as possessions. Read on to learn about what the best home insurance plans have and to determine if you have enough coverage.

Is home insurance a requirement?

Home insurance is not required in Detroit MI unless you are paying a mortgage. In most cases, your lender mandates you have an insurance plan that covers the property in the instance of a fire or flood not related to natural disasters. Those who choose to go without insurance while having a mortgage may notice an increase in monthly home payments as lenders tend to secure third party insurance of their choosing to protect their investment portfolios. 

Home insurance is not required if you do not have a mortgage. You should still, however, consider purchasing a plan. 

The benefits of home insurance

Home insurance serves as a safety net when the unimaginable happens. A pipe that explodes in your wall can lead to thousands in repairs. You can avoid such high out-of-pocket costs by purchasing an indemnity plan that covers major plumbing issues. 

Home insurance may also be helpful when there is a natural disaster. You must, of course, purchase additional coverage for protection as a standard home insurance policy does not pay for flooding and fires caused by nature. 

Do you have enough insurance?

A tragedy is not the right time to discover your lack of proper insurance. Your home indemnity plan should: 

  • Provide payment to cover a significant portion, if not all, of your losses;
  • Pay for relocation fees if you must temporarily move out of your home while repairs are conducted;
  • Cover RVs and ATVs damaged or destroyed while on your property. 

The agents at Premier Insurance Agency can help you find the home insurance policy that suits your lifestyle in Detroit, MI. Call today to get started with a quote for coverage.

Home Insurance Options to Protect Your Valuables

As your home is one of the most valuable investments you’ll ever make it is important to do what you can to protect it. This is done through the homeowner’s insurance. When you live around metro Detroit, MI there are a number of home owner’s insurance options you need to consider. In fact, here are just a handful of the options Premier Insurance Agency can connect you with. 

Flooding Insurance

There are times it seems like it is either always snowing or always raining in metro Detroit. However, when the snow finally begins to thaw it can leave you with a substantial amount of water on your property. Depending on the foundation of your property you may face possible flooding (especially if you have one of those classic Michigan basements). Additionally, your plumbing is at risk of freezing. Protect your property with flooding insurance. 

Extra Liability Insurance

Getting out to shovel your drive and lay down salt on the sidewalk is sometimes a challenge. You may need to get out to work and not have time to shovel the sidewalk. Then, if it continues to snow and people walk through the path, their boot prints will leave icy tracks. Should someone slip on that ice in front of your property you may be held responsible. Instead of paying the legal fees out of pocket additional liability insurance can help cover and protect you.

Finding the right kind of home insurance add-ons and additions is important. Every home is different so you will want to educate yourself on what all is available and what fits your particular property’s needs. When living in and around metro Detroit the team at Premier Insurance Agency can assist you. All you need to do is give them a call at your earliest convenience. 

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.