How To Get The Best Home Insurance Possible

Finding affordable homeowners insurance in Michigan takes a little time and research, but the effort is well worth it as it can save you hundreds of dollars per year. While homeowners insurance rates don’t tend to vary as widely as car insurance rates, some carriers and policies represent more value and savings than others. Ay E & Y Insurance Agency, our agents can assist you in finding the best possible home insurance for your needs. We proudly service clients from all over Michigan in areas like: Troy, Rochester Hills, Saginaw, Birmingham, Pontiac, Royal Oaks, Flint, Sterling Heights, Auburn Hills, and many more! For homeowners insurance, car and auto insurance, and business insurance, there’s E & Y Insurance Agency!

How do I know if I have sufficient coverage?

Getting a deal is great, but not if it’s at the expense of getting adequate coverage. Contrary to popular belief, the amount for which your home is insured isn’t based on its market value or taxable value. Rather, it’s based on its replacement cost, which includes the total cost of labor and materials to rebuild it. It is typically much higher than the market value, and it increases every year by about 5% or so. Therefore, when looking for a great deal on homeowners insurance in the Michigan area, ask for a customized estimate of the replacement cost of your home. Make sure that it takes your home’s unique features into account.

Discounts?

If you have auto insurance, you probably get discounts for things like being a safe driver and for parking your car in the garage. Discounts are usually available for homeowners insurance policies, so make sure that you get all of the discounts to which you are entitled. These may include discounts for having a home security system, smoke alarms, dead-bolt locks, and other security features. Our insurance agents can help you cash in on all the discount that apply to you!

Get the best home insurance possible at E & Y Insurance Agency today! Click here to fill out our contact form, or call us at 248-671-6860.