Home Insurance

Home Insurance in Michigan

Home insurance in Michigan provides financial protection for homeowners in case their property is damaged or destroyed due to covered perils, such as fire, theft, or severe weather. It can also provide liability coverage in case someone is injured on the homeowner's property. Contact an agent at Steenland Kacos Insurance Agency to help you create a policy that is tailored to your needs.

Do I Need Home Insurance?

Home insurance is highly recommended for homeowners in order to protect one of their most valuable assets. Additionally, most mortgage lenders require homeowners to have insurance to qualify for a loan.

Get Covered Today

An agent from Steenland Kacos Insurance Agency will work with you to ensure that you get an insurance policy that meets your needs and your lender's requirements. Get a free quote online or contact an agent to get covered today.

Renters Insurance in Michigan

Renters insurance is an essential form of protection for anyone renting a home or apartment in Michigan. While your landlord's insurance policy may cover the structure of the building, it likely won't cover your personal belongings or liability. That's where renters insurance comes in.

What does Renters Insurance cover?

With renters insurance, you can protect your personal property, such as furniture, electronics, and clothing, from damage or loss due to covered perils like fire, theft, or water damage. Additionally, renters insurance can provide liability coverage in case someone is injured on your rental property or if you accidentally cause damage to someone else's property. At Steenland Kacos Insurance Agency, we can help you find the right renters insurance policy that meets your needs and budget. Contact us today to learn more and get a quote.

FAQS

How does auto insurance work?

Auto insurance protects you financially by covering the costs of damage or injuries from a vehicle accident or theft. It is a contract between you and the insurance company, where you agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy.

What is umbrella insurance?

Umbrella insurance provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. It kicks in when the liability on these other policies has been exhausted, offering an extra safety net of protection.

Why do I need liability insurance on my policy?

Liability insurance is critical because it covers legal costs and payouts for which you are found legally responsible. Without it, you could be faced with paying out of pocket for costly damages or medical bills.

How can I save on home insurance?

Maximizing savings on home insurance can be achieved by comparing policies, increasing deductibles, and ensuring your home has up-to-date safety features. Regular reviews of your policy can also uncover other potential savings.

What factors affect my auto insurance rates?

Several factors can affect your rates, including your age, driving history, and the type of vehicle you drive. Rates are also impacted by where you live, as different areas have varying risks of theft and accidents.