They say home is where the heart is. We say we’re committed to helping you stay that way. Many people don’t realize Homeowners Insurance is designed not only to keep your home safe, but also your belongings and family’s liabilities. Learn more about how our wide range of Homeowners Insurance products can help you avoid serious financial hardship. With the right plan, you can have high limits for little additional premium. Talk to us today about how we can help you keep your home sweet home protected.

Homeowners

Our Homeowners Insurance experts can help you determine the amount of coverage you need to keep your home, belongings and family safe. We’ll help you decide the amount of deductible you’re comfortable with, what property to protect, like jewelry, guns, special effects, etc., and how much water back up you need. Personal Liability from your Homeowners policy is worldwide, and covers you anytime you get sued.
Something to think about:
Pools and trampolines create additional liability. Talk to us about making sure you’re covered properly, so you can have fun without the worry.

Renters

People often forego Renters Insurance, not realizing how important it is to protect your property while renting. What they also don’t realize is that Renters Insurance is relatively inexpensive and often adds little to your premium after qualifying for the multi policy credit, which most people do. We’ll make sure you have enough coverage to qualify for replacement costs, and you can schedule personal items, i.e. expensive jewelry, on this policy as well.
Something to think about:
Personal Liability comes with Renters Insurance which protects you in the case of any personal suits.

Condo

It’s important to line up your policy with your association’s by-laws so there are no gaps. DVA can help determine if your association is covered for loss and how much coverage is enough for if and when you make improvements to your condo. As with Homeowners, Personal Liability is worldwide, and covers you anytime—or anywhere—you get sued.
Something to think about:
Are you a board member of your association? Make sure your association has Directors and Officers Coverage to protect you personally in the event of litigation or a lawsuit.

Flood

Being that our great state of Michigan is surrounded by water, and there are numerous flood zones in our area, we have experience with flood insurance. We’ll help you figure out if you actually need it—sometimes lenders ask for it as a precaution, but it’s not actually required. We’ll also help you figure out if you need contents coverage, which isn’t a mandate, but may be good to have.
Something to think about:
It’s a good idea to check if the area in which you reside is within a flood zone. Better safe than sorry, and you may not realize you live in an area prone to flooding.

Umbrella

In our opinion, Umbrella Insurance is the way to go. Umbrella insurance offers coverage that goes above and beyond just the liability of your home and automobiles. If you are ever involved in a lawsuit, this is the coverage you want to protect your savings, investments and home.
Something to think about:
Umbrella Insurance covers all liability. If you get sued and do not have Umbrella Insurance, everything is up for grabs. Meaning, you’re at risk of losing all your property and assets without it.