Your home is your pride and joy; most likely one of the largest investments you will make. It’s a place where you will create memories with your family, meet neighbors who will become good friends, and build a life. At Thayer-Innes Insurance Agency and Freeman Bunting Insurance Agency, it’s been our priority to tailor custom homeowners insurance policies for residents throughout Southeast Michigan and the surrounding areas as well as in Ohio, Indiana and Illinois. We can do the same for you.
Personalized Service for Your Most Valuable Assets
When it comes to protecting your home, every detail matters. When we evaluate your coverage, we will look at many factors, including your unique insurance needs. Together, we will determine the amount of coverage you should be carrying to replace your home should it be damaged in a fire or other type of loss. We will also assess your risk tolerance to help determine the personal liability insurance you need should someone get injured on your property. Our staff will negotiate on your behalf with our top-tier companies to get you comprehensive insurance at a competitive price.
High Value Homes Call for Specialized Coverage
As a homeowner, you may have coverage needs that require a policy that goes beyond standard homeowners insurance, particularly if you have a high-value home. You may own an estate that includes a guesthouse, electronic gates, a boathouse, elaborate landscaping, and more. A standard policy will not be sufficient for this type of home. Valuation methods for a standard home will vary greatly from that of a high-value home. Perhaps your home includes historically significant architecture, or utilized unusual building materials upon development. These are all factors that will contribute to your risk exposure.
High value homeowners insurance does more than just offer you a typical policy. Our advisors will work with you to determine your risks, however unusual, and will recommend an insurance program that reduces your exposure to loss from claims of personal injury or property damage. We’ll also provide the protection you need for high-value possessions such as artwork, fine jewelry, wine, and antiques through additional coverage. A personal umbrella insurance program will extend your liability limits to properly protect your assets.
In addition to offering you a one-stop shop for your personal insurance needs, we will periodically review your coverage to help ensure that your program stays in step with any changes along the way.
Also, be sure to ask about the combined coverage we offer for home and auto insurance!