Home Insurance in Waterford, MI

Finding the Right Home Insurance Policy

A new home is a significant financial investment for you and your family. It needs to be protected from damage, liability, and theft with home insurance. We all know that home insurance is helpful if there is a fire or severe weather damage, but it does more than that! At the Viking Insurance Agency, our agents work with Michigan homeowners to get the coverage they need.

Home insurance policies provide more coverage than most homeowners realize. True, it goes into effect when there is damage from a disaster, but it covers more than that. Your home insurance policy also covers the contents of the home, such as furniture and personal items. It can also include items that are damaged or stolen when you are away from home. For instance, if your laptop is stolen while you are working at a local café, it is still covered. Your policy’s liability coverage protects you if someone is hurt while at your property. If you are found negligent when someone gets injured in your pool area, the policy will cover their medical and legal expenses if they decide to sue.

While home insurance policies protect the house, it also covers any other structures on the property, such as sheds, pergolas, and outbuildings. Fencing and gazebos can also be included in the policy. While home insurance policies cover many situations, you should also know what they don’t cover. Most importantly, they do not cover flood events. While they will take care of water damage from a failed water heater, they will not cover flooding from severe weather. If your home is at risk, you’ll need a separate flood insurance policy.

In Michigan, our agents at Viking Insurance Agency work with homeowners to select the right coverage for their property. Visit our website for information, then come into our offices to talk with a knowledgeable agent. Get the coverage that you need to protect your investment today! We’re always ready to help! Call us today and ask about our military, teacher, and senior discounts.

Home Insurance Types

When it comes to auto coverage, more is better than less. We can help you get the following coverages:

• Dwelling coverage
• Personal property coverage
• Personal liability coverage
• Replacement cost
• Water backup coverage
• Scheduled Personal property