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The Place You Call Home
A home, whether a house, condo, or apartment, deserves careful and complete insurance protection. At Michals Insurance, we've been helping families safeguard their homes and possessions for generations.
As an Independent Agent, we have access to many leading insurance carriers, so we can create a policy well-suited to your home and family. When a claim arises, we do everything to ensure prompt and efficient handling, with as little disruption to your life as possible.
Coverage
An effective homeowners policy takes into consideration the many elements of value, risk, and liability that vary from home to home. Our experienced representatives will thoroughly review your situation to ensure appropriate coverage:
- Replacement cost and deductible options
- Additions or improvements made to your home
- Jewelry, artwork, antiques, or other valuable collections
- Vacation homes, rental properties, and farms
- Garages, sheds, or other structures
- Business use of your home
- Computer equipment
- Watercraft and trailers
- Alarms and other discounts
- Flood risk
- Additional liability risks
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