Grosse Pointe Homeowners Insurance

What Your Grosse Pointe Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Grosse Pointe, MI comprises five communities: Grosse Pointe Park, Grosse Pointe, Grosse Pointe Farms, Grosse Pointe Woods and Grosse Pointe Shores. Around 46,000 residents take pride in setting down roots in the area, taking advantage of its coastal location, friendly neighbors and proximity to the city. But as a homeowner, you need to protect yourself against the weather — and crime-related risks.

That's where an Independent Insurance Agent comes into play. Our agents are local and know the Grosse Pointe area well. We will gladly assess your needs and compare quotes until we find something you're happy with. Our agents have the expertise necessary to find something both comprehensive and affordable, letting you enjoy your family and home without concern.

  • National yearly premium average: $1,034
  • Michigan yearly premium average: $802
  • 37th most expensive premium in the U.S.

Michigan's average home insurance premium rates aren't too expensive when compared with rates nationally, but you should only compare your coverage against these numbers as a baseline. Your Grosse Pointe insurance is personalized and tailored to your individual property and the risks you face as a homeowner. Factors such as the home's location, age, and building materials, as well as added risks like trampolines and pools, are taken into consideration when evaluating your policy. That's where an agent can help — eliminating any headaches and finding you an affordable, all-inclusive Grosse Pointe home insurance policy.

Second and Vacation Home Insurance

Grosse Pointe offers an ideal place for a weekend, week-long or seasonal getaway, thanks to its location on Lake St. Clair. That's why many retirees and families purchase second or vacation homes in the area. But these secondary properties need just as much, if not more, protection because they're likely vacant for long periods of time or have rental guests only occasionally. Let an insurance agent know about your situation so you can get all of your properties on the right insurance track.

Number of Thefts in Michigan

  • National number of burglaries: 37,814
  • Michigan number of burglaries: 56,344

The Great Lakes State has a fair amount of crime, and while you may think Grosse Pointe is an exception to the rule, you never know when an incident will occur. Late-night burglaries and break-ins can be prevented by installing a high-tech security system or leaving porch lights on, but sometimes it's just unavoidable. Your homeowners insurance should cover property crimes, compensating you for damaged property and stolen items. Know you're protected by speaking with an agent about your options.

Number of Catastrophes in Michigan

  • Number of catastrophes in Michigan: 301
  • Number of tornadoes in Michigan: 9
  • Amount of property damage in Michigan: $1,880.370,000
  • 1 in 15 insured homes has a claim each year

Mother Nature can strike without warning — just consider the 6% of insured homeowners who file a claim annually. Whether a tornado busts windows, a flood wrecks your basement or a winter storm causes roof damage, you need protection that compensates you for any repairs or rebuilding that needs to be done. Let an agent help you determine how much coverage you need and what to add on so your property and possessions are fully protected.

What Are the Risks in Grosse Pointe, MI?

Our Independent Insurance Agents are here to find you comprehensive, affordable and customized home insurance. Because we aren't tied down to one carrier, we can gather a number of quotes from various insurance carriers until we find the policy that meets your needs and the price you want. An agent is your partner-in-crime when it comes to Grosse Pointe homeowners insurance coverage — and wants to get you set up with something that gives you 360 degrees of protection.

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