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Mitten Heritage Fraternal Society of Insurance

13892 Hough Road
Berville, MI 48002

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What Are My Home Insurance Coverage Options?

Does the thought of purchasing home insurance overwhelm you? You’re not alone. There’s a high chance that most Berville, MI residents don’t understand in detail what home insurance is all about. Fortunately, Mitten Heritage Fraternal Society of Insurance is your trusted partner in clarifying issues.

Here are some of the coverage options you need to know about:

Liability Coverage

Liability coverage protects you if a guest is injured in your home. For instance, if your dog bites the guest or they trip on a cracked pavement and get injured, the policy will cover the resulting medical expenses or legal fees. This protection also applies to guest property damage that happens around your property.

Contents Coverage

No doubt, you own property in your home. This includes appliances, furniture, clothing, and electronics. If these items are exposed to risks like vandalism, fire, hail, or water damage, this policy will help cover the repair or replacement expenses. However, this policy doesn’t extend to precious items like art or jewelry. Our agents will be happy to talk to you about how you can protect such things.

Dwelling Coverage

This coverage protects your home structures, such as walls, floors, ceilings, and fixed structures like sinks, cabinets, and bookcases. Should you encounter a risk that damages these parts, dwelling coverage will compensate you for the loss you incur. Detached structures such as sheds and garages are also covered here.

Loss of Use Coverage

This type of coverage is also called additional living expenses (ALE) insurance. It helps pay for the additional expenses you incur, such as housing and meals if you encounter a covered event such as fire or vandalism.

Contact Us Today

Protect your home in Berville, MI with our insurance experts at Mitten Heritage Fraternal Society of Insurance. We will help you find the right coverage option based on your needs.

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