Insurance Agency – What Does home Insurance Cover?

These are the general items which are covered in most home insurance policies. Each policy is different, and it may offer additional coverages or quite possibly not provide coverage for some of the standard items listed below.


Therefore, it is incredibly important to know what your insurance policy covers.  Make sure everything you want covered is included in the policy for peace of mind in knowing you are covered in case of damage or loss.


Items Typically Covered


  • Damage to the Home – Your coverage can pay to restore or rebuild your property if it’s damaged or destroyed by:


Fire and smoke





Vandalism and malicious mischief

Damage from cars, vehicles, and aircrafts


Weight of ice, snow, or sleet

Falling objects


Stolen or Destroyed Belongings


  • Even if your possessions are not physically inside the home, like while you’re traveling, your coverage can reimburse you for any covered loss. However, coverage may not cover the full replacement cost. Many owners buy a private belongings endorsement or floater to bridge the gap. Some of the protected items of personal property include:




Sports equipment







Shop for the best insurance coverage with the lowest premiums using our fast quote system.


Our top rated insurance agents offer free insurance quotes for your car, truck, motorcycle and home or rental.


Brighton, MI – Brighton is a suburb in Metro Detroit within the southeast part of Livingston County in the State of Michigan. As of the 2010 census, the town populace became 7,444 and has grown each year from then. Brighton is a big part of the South Lyon-Howell-Brighton Urban Area. It is one of several towns in Livingston County, and carries land that turned into a part of Brighton, Green Oak and Genoa townships.


The city’s primary enterprise districts are downtown and on both sides of the city. Brighton has a couple unique shopping malls: Brighton Mall on the west side of the city, is a former enclosed mall which was renovated in 1996, and Green Oak Village Place is a perfect plaza located on the east side.


Several projects to revitalize downtown Brighton, together with streetscape enhancements and displayed art create a unique and colorful experience. A bronze nude statue entitled Decision Pending, bought as a part of the 2006 Brighton Biennial, generated some publicity as many did not appreciate the art as they could not get past the fact that the statue was nude.



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