Personal Insurance · Protect the place that matters most
Home Insurance
Comprehensive homeowners coverage matched to what it actually costs to rebuild.
Your home is likely your largest investment. The right homeowners policy protects the structure, everything inside it, and you personally if someone is injured on your property.
We compare home insurance from multiple carriers and make sure your dwelling limit reflects today's rebuild costs — not an outdated number that leaves you underinsured after a claim.
What home insurance can cover
Dwelling
Rebuilds your home's structure after a covered loss like fire, wind, or hail.
Other structures
Detached garages, fences, sheds, and decks.
Personal property
Furniture, electronics, and belongings — at replacement cost when you choose it.
Liability
Legal and medical costs if someone is injured on your property or you damage theirs.
Loss of use
Hotel and living expenses while your home is repaired after a covered loss.
Endorsements
Water backup, service line, jewelry, and other add-ons to close common gaps.
Who it's for
Homeowners across Macomb County and Metro Detroit who want full protection without overpaying.
Frequently asked questions
Does home insurance cover flooding?
No — standard homeowners policies exclude rising-water flood damage. That requires a separate flood policy, which we also write. Ask us about combining the two.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace items new; actual cash value subtracts depreciation. We generally recommend replacement cost so a claim check actually rebuilds your life.
Related coverage
Flood Insurance
Flood damage is excluded from standard home policies. We write separate flood coverage so rising water doesn't become an out-of-pocket disaster.
Learn moreAuto Insurance
Compare Michigan auto rates from multiple carriers and get the liability, PIP, and collision coverage that actually protects you.
Learn morePersonal Umbrella Insurance
A personal umbrella adds $1M+ of liability protection above your auto and home policies to shield your savings and future income.
Learn moreReady to protect what matters?
Get a free home insurance quote and clear guidance from an agent who works for you.