team@shopmicoverage.com

📍 Serving Livonia, Michigan & Nearby Areas

Home Insurance

Coverage for your structure, belongings, liability, and additional living expenses.

Your home is likely your largest investment. A well-built homeowners policy covers the structure, your belongings, liability, and additional living expenses after a covered loss — but only if the limits are set right and the right endorsements are in place.

What’s covered

  • Dwelling and structures coverage
  • Personal property
  • Personal liability protection
  • Additional living expenses (ALE)
  • Optional water-backup, scheduled jewelry, and identity-theft endorsements

How we work with you

We start with a replacement-cost analysis — most homes are underinsured because the dwelling limit hasn’t kept pace with rebuild costs. We then walk through liability needs based on your assets and add endorsements for items standard policies often miss. Renters and condo policies can be quoted on the same call.

Ready to talk about home insurance?

Book a no-obligation call with Samantha or call us directly.