Be Prepared for the Unexpected with Homeowners Insurance

As they often say, the home is where the heart is. Protect your home and assets with homeowners’ insurance coverage that meets your needs! Growers Choice works with clients to create a tailor-made insurance plans aimed to protect their home and family. Homeowners insurance provides protection for you, your home, and your personal belongings from unexpected events. These events could be things like theft, fire, severe weather, or even accidents involving an injury on your property. Whether you are a first-time home buyer, moving into a new house, or are looking to review your homeowner’s insurance, get a home insurance quote from Growers Choice with insurance rates that won’t make you sick.

Growers Choice provides homeowners insurance to all of Michigan, including the following areas:

  • Bay County: Auburn, Bay City, Bentley, Essexville, Kawkawlin, Linwood, Munger, and Pinconning
  • Arenac County: Au Gres, Omer, Standish, Sterling, Turner, and Twining
  • Midland County: Coleman, Edenville, Hope, Midland, and Sanford
  • Saginaw County: Birch Run, Brant, Bridgeport, Burt, Carrollton, Chesaning, Frankenmuth, Freeland, Hemlock, Merrill, Oakley, Saginaw, and Saint Charles

What Risks Does Your Policy Cover?

    • Theft
    • Fire, Smoke, Water, & Weather Damage
    • Falling Objects
    • Frozen Plumbing
    • Damage to someone else’s property
    • Medical bills if someone is hurt at your home
    • A place to stay if your home suffers damage that makes it unlivable

Basic Homeowners Insurance Coverages

Caring for your home and loved ones is essential. That’s why we offer homeowners insurance you can depend on, with various policy options to choose from to suit your needs and budget. Our Homeowners’ policies typically cover:

Dwelling – Coverage that protects the structure of the home (roof, walls, wall-to-wall carpeting, etc.)

Other structures – Coverage for sheds, detached garages and other structures not connected to the main dwelling itself.

Personal property – Coverage for personal items (clothing, furniture, appliances, computers, etc.) on and off the premises.

Loss of use – Coverage for when an insured has to move out of the home while repairs are made as a result of damage caused by a covered loss.

Home insurance can also be used as a means of financial protection. If someone sues you after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket.

We also offer insurance policies for owners of second homes and vacation homes. This way, you, your family, and your guests are protected wherever you go.

How can an agent help protect your home?

Our agents at Growers Choice work to understand your unique needs so they can help you get the coverage that fits your life and home. Specifically, our agents can:

  • Explain your home insurance coverage options & the home claims process
  • Find discounts to save on your home insurance premium
  • Help protect your family’s future with life insurance which can help you pay off your mortgage.

Our Homeowners’ Insurance Carriers

We work with over 50 different insurance companies to ensure we find the right insurance rate for you, your needs, and your budget.

Ways You Can Save on Your Home Insurance Policy

  • Bundle and Save: bundle your car and home insurance and save money!
  • Claims-free: you may qualify for a lower premium on your home insurance when you stay claims-free.
  • Online Purchase Discount: you could save 10% when you get customized home insurance online.
  • Paperless Policy Discount: get rid of paper receipts and pay only online to get a paperless policy discount.
  • Preferred Payment Discount: save money by enrolling in auto payments.
  • Early Signing Discount: save money on your home insurance premium when you sign up for a new policy at least 7 days before your current one expires.
  • Prior Insurance: this discount is available to new members and is based on the number of years you were continuously insured by your previous carrier.
  • Home Purchase: receive a discount if you purchased a home within the last 12 months.
  • Home Renovation Credit: get a discount for renovating your homes plumbing, heating, cooling, or electrical systems.
  • New Roof Discount: a new roof is a smart investment that earns you a discount on your homeowners’ insurance.
  • Insured to Value Discount: you can receive a discount when you insure up to 100% of the cost to replace your home.
  • Protective Device Discount: get a discount if your home has smoke detectors, fire alarms, burglar alarms, or other qualifying devices.
  • Gated Community Discount: a discount is available when all vehicle entrances to your community are protected at all times by security guards, residence cards, or key-lock devices.

There are many discount options available among all the insurance carriers we work with. Growers Choice Insurance Agency will work with you to find you the right homeowners insurance savings for your family’s needs and budget.

Frequently Asked Questions

In the event your property is damaged, once you’ve ensured you’re safe and the source of the damage is stopped, you can file a claim. We’ll ask for details about what happened, the damage, and if you need immediate assistance. A Claims Representative will help process your claim and provide help if you need it. You might have to pay a deductible before your insurance coverage kicks in and your policy may have coverage limits, but homeowners insurance will take care of everything in between.

Hazard insurance describes a type of home insurance coverage that covers catastrophes, like fires and severe storms. Damage to your home from things like hail, strong winds, smoke, and fire are all considered to be in this category. Some hazards, like earthquakes and floods, are not typically covered by homeowners insurance and coverage will need to be purchased separately. Home hazard insurance is different from homeowners insurance but can be added to your standard homeowners policy.

The cost of your homeowners coverage is largely determined by five factors:

Location

Risks like extreme weather, crime rate, and distance to a fire station all can impact your rate. For example, you might pay more for waterfront property or if you’re located in an area prone to mud slides. Construction costs also vary by region, which is another factor that determines your homeowners rate.

Estimated replacement cost

This is different from the current tax assessment or market value of your home, and accounts for the actual cost to rebuild the structure of your home. For example, if your home was destroyed in a storm, how much would it cost to rebuild it? That amount is the replacement value. Not only are materials and labor considered, but inflation and availability of building materials.

Age and condition

This is determined based on very specific details like building materials, age of the roof, and the furnace’s condition. For older homes, we also factor in whether the building materials are still available and their current market price.

Safety devices

Having dead bolt locks, a burglar alarm, smoke detectors, and other home safety features will all help you stay safe and lower the cost of your home insurance policy.

Your deductible

In short, the lower your deductible (the initial amount you pay out-of-pocket before coverage kicks in), the higher your premium (the total amount that you pay for an insurance policy).

It’s not always easy to know the difference between certain terms when it comes to insurance. Let’s clear up exactly what the most important ones mean.

Deductible

The initial amount you are responsible for before coverage kicks in. In most cases, this amount is simply deducted from your payout after a claim. For example, if your deductible is $500 and you have a $2,000 claim, you will receive $1,500.

Premium

The total amount that you pay for an insurance policy.

Dwelling

Another term used to describe the part of your home insurance policy that covers the structure where you live (not a shed or other structure on your property).

Scheduled Items

These are pricier belongings (jewelry, art, etc.) that typically require additional coverage, since the standard home policy limits the amount you can claim per item.

Liability Coverage

If someone else is injured or has their belongings damaged on your property, this covers claims against you, as well as reasonable and necessary medical expenses.

You’re excited about your new home, but you might be equally as nervous about a home inspection. Here are some answers to frequently asked questions to help you understand what to expect.

Why is an inspection required for my home?

An inspection may be required to confirm that the condition of your property and exposure to any hazards meet standards for an insurable home.

Where will the inspectors look?

Exterior: The outside of your home, yard, and roof.

Roof: The inspector will walk along the roof to assess its condition.

What happens with the information they collect?

The information is used to assess the condition of your home and, if necessary, make changes to your policy. Your information is kept strictly confidential.

What happens after?

Your policy may be adjusted depending on the results of the inspection to ensure that your home is adequately protected. In certain states, roof coverage may be adjusted based on the condition of the roof.

How will I be notified about the inspection?

You will receive a postcard in the mail, as well as a call from the inspector to confirm the details of the inspection.

Will the home inspector take precautions during the Covid-19 pandemic?

Absolutely. Please know that we have put a number of safety practices in place to keep you and our inspectors safe during the pandemic.

Do I need to be present for the inspection?

No. If you are home, please stay indoors to prevent contact while the inspection is taking place.

Will the inspector be wearing PPE and socially distancing when inspecting my property?

Yes. The inspector will be wearing a mask and gloves as part of our safety protocol. The inspector will also request that you stay indoors during the inspection to prevent contact.

Mold generally begins with water getting someplace it shouldn’t, so while your home insurance won’t provide mold-specific coverage, it will provide coverage for the primary causes, such as water damage. Put another way, insurance will cover mold remediation if it occurs as a result of covered water damage. Water backup and overflow from sewers, drains, and sump pump wells are all covered by Escape of Water, also known as “water back up coverage”.

What Our Clients Are Saying…

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