Your Esurance policy literally goes above and beyond the structure of your home, providing protection for the things that make your house uniquely yours.
When you grab a quote for homeowners insurance, you'll see several coverages that come standard with your home policy in Michigan, including but not limited to:
Living in the Wolverine State, you're likely used to hot summers and freezing winters (but of course, those beautiful autumnal leaves, too). Fortunately, if a covered risk like wind, hail, or even fire damages your well-loved abode, your coverage can help pay to repair or rebuild.
How much dwelling protection do you need for your home? It's good to get at least enough coverage to cover the total cost of rebuilding your house. Keep in mind, you can always increase your coverage limit.
Additional living expense coverage
If you're ever temporarily forced out of your home due to a covered loss, this coverage is sweeter than a Michigan cherry. It helps cover your meals, hotel bill, and other reasonable expenses for up to 12 months (up to your coverage limit), or until you're able to go home.
Guest medical protection
If a guest is injured on your property (and we know how a game of charades can get pretty intense sometimes), your coverage can help cover their medical expenses, even if you're not liable for the injury. Plus, you don't have to pay a deductible for this coverage to work its magic.
Personal property protection
Your Esurance policy helps protect items inside your house, too, like furniture, appliances, clothing — important personal belongings that need to be repaired or replaced if they're ever damaged or stolen.
Other structures coverage
Severe seasonal changes in the Wolverine State could damage more than just your house. When you get home insurance from us, you can even get protection for structures not attached to your main house, like a carport out front or a gazebo in your yard.