The importance of a good Michigan home insurance policy is often misunderstood according to Jay at Averson Insurance. To many Michigan homeowners don't know what they have, the coverage their policy provides and if they are even properly insured. Here are a couple of the big categories that can leave Michigan homeowners under insured.
Unscheduled jewelry-Most standard home insurance policies only cover jewelry up to $2500. For more coverage the jewelry would need to be appraised and then scheduled on the policy. According to Jay anyone with valuable jewelry should talk to their agent and discuss the available options to be properly covered in the event of a loss.
Water backup-Sump pump coverage/water backup isn't necessarily an automatic coverage on your home insurance policy. A lot of agents add this on and don't even discuss it, but you could also be uninsured if you haven't discussed it. Don't just assume this coverage is on your policy. Also, according to Jay some carriers cover the cleanup from a sump pump failure only and not damage to personal property from the failure. If you have a lot of valuable property in the basement, it might be wise to choose a carrier that not only covers the cleanup, but also the personal property that is damaged.
There is a lot more to a good home insurance policy then this, but more should be done then to just read online about it according to Jay. Call your agent and if your not comfortable with them, feel free to call Jay @ Averson Insurance for free quotes. Jay states that all the television advertisements and other advertising have caused consumers to forget about everything other then price. Price is always important, but it needs to be one consideration out of many. Jay asked this simple question; what good is a cheap policy when you have a claim if it doesn't have the needed coverage?
Now that we understand the need for a comprehensive home insurance policy, here are some discounts that Jay pointed out to help keep the price affordable.
Multiple Policy-More customers are stringing coverage out over multiple agents and carriers and missing out on some huge savings. Packaging your home, auto, boats, life and any other insurance you have not only saves hundreds of dollars, it provides a good agent the ability to make sure your properly covered. Keeping things together with one professional agent is vital in being properly protected according to Jay.
Carrying higher, but affordable deductibles. This is important to understand according to Jay. You should look at different deductible options and way the benefits that come with each option. The key here is to find a tradeoff between a good price that you can afford and a deductible that is also affordable come time to file a claim. There is no right or wrong answer and this is very specific to each individuals financial situation.
For more information on Michigan home insurance and for free quotes by phone/online visit: http://aversoninsurance.net/ Rest assured that they will not only work hard to get you the best rates, but more importantly make sure your getting the coverage you need!
About the company: Averson Insurance will help you locate Michigan home, auto and life insurance through the independent distribution channel providing quotes with 6 carriers. They can help you locate great Michigan home and auto insurance rates and insure you through there multiple A rated carriers. The site is: http://aversoninsurance.net/
Company Name: Averson Insurance Agency LLC
Contact Person: Nina Salvatore
Email:Send Email
Phone: 616-855-4018
Address:2180 44th St Se
City: Grand Rapids
State: MI
Country: United States
Website: http://www.aversoninsurance.net
Source: www.abnewswire.com
