Home Insurance for Grand Blanc and Genesee County Homeowners
Your house is probably the biggest thing you own, so the policy on it should actually fit. I'm Dave Pettengill, CPIA, and at Michigan Insurance we shop your home insurance with several carriers, explain what you're getting in plain English, and tell you honestly which option we'd pick if it were our own house.
WHAT'S COVERED
A good homeowners policy covers the house itself, your belongings, liability if someone gets hurt on your property, and extra living costs if you can't stay home after a covered loss. Then there are the details that make a big difference come claim time, like whether you get full replacement cost or a cash value payout where they depreciate the value, what your wind and hail deductible looks like, and whether things like the utility lines coming to the house or water backup are included. We walk through all of that with you so there are no surprises.
WHY USE AN INDEPENDENT AGENT
We don't work for one insurance company. We work for you. That means we can compare several carriers side by side, and if your rate jumps at renewal we can take a look at the market again instead of just telling you that's the price. If there's a downside to an option, like a higher deductible or a roof age rule, we'll tell you up front.
LOCAL TO GRAND BLANC
Our office is right on S. Saginaw St in Grand Blanc, and we help homeowners all over Fenton, Holly, Davison, Burton and the rest of Genesee County. We know Michigan weather and what it does to roofs and basements, and when you have a question you get a real person who knows your policy.
FAQ
How much home insurance do I need?
Enough to rebuild your home at today's costs, which isn't always the same as what you paid for it or what it would sell for. We'll help you figure out a number that makes sense.
Can you bundle my home and auto?
Absolutely. Bundling often lowers the overall cost, but not always, so we'll quote it both ways and show you the difference.
My rate went up at renewal. Can you help?
Yes. Send us your current declaration page or give us a call and we'll shop it. If staying put is still your best option, we'll tell you that too.
READY TO SEE YOUR OPTIONS?
It only takes a few minutes, and there's no pressure.
