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Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Homeowners Insurance Information

Accidents can happen in your home and when they do, homeowners insurance helps cover the costs. Whether your home is damaged by fire, a guest slips and falls and suffers an injury, or burglars break into your home and steal your valuables, you can turn to your insurance company in Portland, Michigan, for help.

Is Homeowners Insurance in Portland, MI, Required?

If you are paying a mortgage, the bank will require you to carry homeowners insurance. Insurance installments are often rolled into the mortgage and paid monthly so there is no chance of a lag.

If you own your home outright, you are not required to insure it, but it is certainly a good idea to do so. If your home burns down and you have no insurance, you must pay the cost of rebuilding on your own, which can run into the hundreds of thousands of dollars.

Even more expensive are lawsuits others can file against you if they are injured on your property. This includes not only invited guests, but solicitors and even trespassers. Without insurance, you may have to pay for their medical bills, lost time at work and any ongoing health care or therapy they may require.

How Much Insurance Do I Need?

Your insurance company in Portland, MI, will provide you a quote for homeowners insurance based on the current value of your home and the going rate for liability, but you will also have the option to buy extra coverage.

Insurance pays not only for damage to your home, but also its contents. So if a tree falls on your roof and rainwater pours into your home and damages your belongings, insurance will pay to replace them.

When you purchase homeowners insurance, your insurance agency should ask you if you believe the coverage maximums are adequate and if you would like to purchase additional insurance to cover items such as jewelry, furs, antiques, artwork or other unusually expensive or irreplaceable items.

How Much Does Homeowners Insurance Cost in Portland, MI?

For a $250,000 home, homeowners insurance in Portland, Michigan, costs about $1,000 per year. It can be more or less, depending on your ZIP code, the value of your home and other factors such as your credit score and whether you have a pool or a dog.

A home with a swimming pool is considered a higher risk than one without. And although it sometimes seems unfair, certain breeds of dogs also account for higher insurance premiums.

Best Insurance Company in Portland, MI

The quote an insurance agency provides you when you’re shopping for homeowners insurance is important. You want the best price for insurance that you can get.

But customer service and experience are also important. You want an insurance agency with knowledgeable employees who can help you choose your coverage wisely. And you want your insurance company to be there for you when you need them, answering the phones and returning calls promptly.

That’s Simon Insurance Agency of Portland, MI. Contact us today for a quote for homeowners insurance or auto insurance, and find out why we’re Portland’s preferred insurance company.

Simon Insurance Agency |100 E Bridge St | Portland, MI 48875 | 517-647-7111 Powered by Insurance Website Builder
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