What Does Basic Home Insurance Cover in Michigan?

Standard homeowner’s insurance in Michigan will protect you and your loved one’s property from damage and loss. Plans may differ so it is good to know what is covered in a particular policy. It is best to speak with an experienced agent who can help you understand what your homeowner’s insurance will cover and how much it costs. Bye Financial Group LLC serving Grand Ledge, MI can help you with your homeowner’s insurance needs.

There are factors that determine pricing for homeowner’s insurance in Michigan. The size of your home, where you are located, and the likelihood of a natural disaster all determine how much your premium will be. 

Basic protection

A basic homeowners policy will cover personal property such as furniture that is inside your home. The dwelling coverage is what protects the actual structure of your home. Other structures outside your house like detached garages and outbuilding may be covered as well depending on your policy.


It is good to have liability for a time when someone may be unexpectedly injured on your property or if you damage another person’s home. Since people often wind up in legal situations, liability insurance can step in and help cover costs. This coverage can give you peace of mind for unforeseen events.

Other coverage

Additional coverage for particular situations like living expenses after your home becomes uninhabitable from a disaster. A qualified agent can discuss with you different options for additional insurance.

If you need homeowners insurance, speak to one of our agents at Bye Financial Group LLC serving Grand Ledge, MI. We can help you find the best policy that fits your individual needs. Give us a call today.