Home insurance that would actually rebuild your home.
Most homeowners discover their coverage number was wrong at the worst possible moment. We start with a real replacement cost estimate — then make our carriers compete on the right number, whether it's your primary home, the lake cottage, or a rental.
Everything Michigan homeowners ask us
Two decades of kitchen-table questions, written down. Start with the estimator — everything else gets easier once the rebuild number is right.
Replacement Cost Estimator
Our flagship tool: build your home on screen, get a defensible rebuild number.
OpenWhat's actually covered
Dwelling, other structures, contents, liability — the four buckets, honestly explained.
OpenHow much do you need?
Market value vs. rebuild cost, and why the difference matters at claim time.
OpenWhat it costs in Michigan
The factors that move Michigan home premiums — and which ones you control.
OpenThe mold question
When mold is covered, when it isn't, and the endorsement that changes the answer.
OpenHome inventory tool
Free checklist tool — document your contents before you ever need to prove them.
OpenMichigan home insurance FAQ
How much home insurance do I need in Michigan?
Enough to rebuild — which is not the same as your market value or your mortgage balance. Replacement cost depends on square footage, construction quality, and local building costs. Our free replacement cost estimator walks through your home room by room and produces a defensible rebuild number you can quote against.
Does home insurance cover mold?
Usually only when the mold results from a covered sudden water loss, like a burst pipe — not from long-term humidity, seepage, or deferred maintenance. Coverage details and limits vary by carrier and endorsement; this is exactly the kind of fine print we review with you before you need it.
Why do carriers care so much about my roof?
Roof claims dominate Michigan home losses — wind, ice dams, and age. Carriers price and sometimes limit coverage by roof age and material, and some pay actual cash value instead of replacement cost on older roofs. Knowing your roof year before quoting avoids surprises at claim time.
Is a lake cottage insured differently than a primary home?
Yes. Seasonal occupancy, wood stoves, docks, hoists, and rental use all change the underwriting. Insuring cottages on Higgins and Houghton Lake is our home turf — we know which carriers actually want seasonal and waterfront business.
The right rebuild number. The right carrier. Every renewal.
Start with the estimator or go straight to a quote — a local agent finishes it either way.