Michigan
Home Insurance
Made Simple
Protect more than just the structure.
Whether you own a house, condo, or rental property, Detroit Financial Services can help you understand your coverage options and protect your property, belongings, and financial well-being.
Understanding Your Michigan Home Coverage
Home insurance needs can vary depending on how a property is owned and used. Whether you own and occupy your home, own a condo, or insure a rental property, understanding the type of coverage you have—and what it protects—is an important part of protecting your investment
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Homeowners insurance is designed for a home you own and occupy as your primary residence. Coverage can help protect the dwelling itself, other structures on the property, your personal belongings, and your personal liability, subject to the policy’s terms, limits, and deductibles.
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Condo insurance helps protect the portions of your unit you're responsible for, your personal belongings, and your personal liability. Coverage should work alongside the condo association’s master policy, which may insure other portions of the building and common areas.
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Rental property insurance is designed for homes you own but rent to others. Coverage can help protect the dwelling, certain property you own at the premises, liability exposures, and—in some policies—loss of rental income following a covered loss.
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Depending on the policy and property, coverage may include dwelling, other structures, personal property, loss of use or rental income, personal liability, and medical payments to others. Additional coverage options and endorsements may also be available based on your needs.
Getting Your Home Quote Is Simple
STEP 1
Tell Us About Your Property
Complete our quick quote form and provide the basic information we need about your property and current coverage to begin your home insurance quote
STEP 2
Review Your Options
We review your property information, coverage needs, and available discounts to prepare home insurance options that fit your situation.
STEP 3
Compare & Select Your Coverages
We walk you through the quote, explain your coverage options, limits, deductibles, and cost, and answer your questions so you can make an informed decision.
STEP 4
Start Your Coverage
Once you're ready, we help finalize your policy, confirm your coverage and effective date, and provide the documents and information you need for your records.