Home Insurance in Clio, MI

A home is one of the most significant purchases that you can make. Without adequate home insurance, you’re at risk of experiencing financial loss if a covered risk damages your property. Our agents are here to help you understand home insurance and choose an appropriate policy for your budget and needs.

What Does Home Insurance Cover?

While the specifics of a home insurance policy may vary per insurer, a standard policy typically covers the following:

• Dwelling coverage may cover the repair or reconstruction of your home’s physical structure if it was damaged by fire, lightning, theft, vandalism or certain natural disasters.

• Other structure coverage may cover damage to detached structures such as a garage, shed or gazebo.

• Liability coverage may cover legal, medical and other expenses if you’re held liable for bodily injury or property damage to a third party.

• Personal property coverage may cover replacement costs of personal belongings like appliances, clothes, electronics and furniture.

• Additional living expenses coverage may reimburse you for food, shelter and other expenses if you must temporarily move out of your home due to a covered loss.

How Much Does Homeowners Insurance Cost?

The cost of home insurance varies among insurers. The following factors may influence your premium:

• Your location

• The type and value of your home

• Your home’s construction and materials

• Your credit and claims histories

• Your deductible

• Environmental factors, such as risk of flooding and wildfire

Where Can I Get Homeowners Insurance?

Contact Eaton Insurance today to learn more about your home insurance options or to request a quote.