The state of Michigan offers a complete four-season climate. Winters are snowy, summers are warm, and the transitional months during the spring and fall are mild. The state has nearly 65,000 inland lakes and ponds. Nearly surrounded by the Great Lakes, MI has the longest freshwater coastline of any country or other political subdivision. All of that water helps create an environment that contributes to tornado activity. Michigan tornado insurance can provide excellent protection for your family and your property.
While the most dangerous months are April through July, a tornado can also strike without warning at other times of the year. An independent agent in the Trusted Choice® network can research multiple insurance companies and provide you with Michigan tornado insurance quotes to compare. Contact your local member agent today to get the process started.
Here are some recent national tornado averages for 2010 through 2012:
Most of these strike the southern portion of the state, which falls within a region known as "Tornado Alley." In fact, bordering Indiana has one of the highest occrance rates of tornados in the country. The further south you are in Michigan, the closer to this region you are - so Michigan tornado insurance can be a great way for you to get peace of mind during severe weather events.
Most standard homeowners insurance policies cover damage from tornadoes. However, many homeowners run into problems when their insurance covers the value of the home on the real estate market, not the cost to rebuild it from the ground up.
Many home values in Michigan have dropped over the past few years, depending on where the home is located. In fact, 64 percent of U.S. homes are under-valued relative to their insurance protection. The problem is that construction costs have risen with inflation in spite of the housing recession. The net difference could be quite substantial. One solution is to get in touch with a Trusted Choice member agent, who can help determine whether your current coverage is adequate.
Additionally, your car may not be protected from tornado devastation unless you carry the proper coverage on it. Remember that automobile comprehensive coverage can provide compensation when your car is destroyed or damaged in a twister.
Your home insurance policy will typically cover the following in the event of a tornado:
However, it can be a mistake to assume that you will be totally reimbursed after a tornado damages your home. Homeowners policies have become very specific in light of the fact that there has been a high level of storm and wind-related damage in recent years. Your local Trusted Choice member agent can help determine your current level of protection.
Michigan tornado insurance coverage can be an area that requires detailed analysis by a knowledgeable professional. While good homeowners insurance will cover tornado damage, each policy is unique. It is important to understand whether your policy provides a total loss settlement based upon the cost to replace the home and repair the damage, or the current cash value of the home. The time for this analysis is well before a tornado strikes.
One of the benefits of working with a local member agent in your area is to receive personal assistance. Your agent can present you with multiple quotes from an array of companies, so you can find the best fit for your needs and budget. Find an independent Trusted Choice member agent today to be certain you have the best possible Michigan tornado insurance protection at a reasonable price.