Protect the Place You Call Home

Your home is likely one of your largest investments. Homeowners insurance helps protect your property, belongings, and financial future from unexpected events such as fire, wind, theft, liability claims, and more.

 

At M&M Insurance Agency, we help homeowners throughout Michigan and Wisconsin find coverage that fits their needs and budget while making sure there are no surprises when a claim occurs.

 

What Does Homeowners Insurance Cover?

A standard homeowners insurance policy typically includes several important coverages:

 

Dwelling Coverage

Helps repair or rebuild your home if it is damaged by a covered loss such as fire, lightning, wind, hail, or vandalism.

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Other Structures Coverage

Protects detached structures on your property such as:

• Detached garages

• Sheds

• Fences

• Gazebos

• Storage buildings

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Personal Property Coverage

Helps replace personal belongings including:

• Furniture

• Clothing

• Electronics

• Appliances

• Household items

 

Loss of Use Coverage

If your home becomes uninhabitable after a covered loss, this coverage can help pay for temporary housing and additional living expenses.

 

Personal Liability Coverage

Provides protection if you are legally responsible for injuries or property damage to others.

 

Medical Payments Coverage

Helps pay for minor medical expenses if a guest is injured on your property, regardless of fault.

 

Why Homeowners Insurance Matters

Many homeowners focus only on the mortgage requirement, but homeowners insurance is about much more than satisfying a lender.

The right policy can help protect:

• Your home

• Your savings

• Your personal belongings

• Your future income

• Your family's financial security

A major loss can cost hundreds of thousands of dollars. Proper coverage helps prevent a devastating financial setback.

 

Common Risks in Michigan & Wisconsin

Homeowners in Michigan and Wisconsin face unique weather-related risks including:

• Windstorms

• Hail damage

• Heavy snow loads

• Ice dams

• Fallen trees

• Frozen pipes

• Lightning strikes

• Water damage

 

We help homeowners understand how their policy responds to these risks and identify coverage options that may be appropriate for their situation.

 

Additional Coverage Options

Many homeowners choose to enhance their protection with optional coverages such as:

 

Water Backup Coverage

Protection for damage caused by backed-up drains, sewers, or sump pumps.

 

Scheduled Personal Property

Additional protection for high-value items such as:

• Jewelry

• Firearms

• Collectibles

• Musical instruments

• Cameras

 

Identity Theft Protection

Coverage and assistance for identity restoration expenses.

 

Personal Umbrella Insurance

Provides additional liability protection above your homeowners and auto insurance limits.

 

Discounts May Be Available

Depending on eligibility, homeowners may qualify for discounts including:

• Home and auto bundle discounts

• Claims-free discounts

• Protective device discounts

• Newer home discounts

• Paperless discounts

• Automatic payment discounts

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Why Choose M&M Insurance Agency?

We believe insurance should be easy to understand.

 

When you work with M&M Insurance Agency, we will:

• Review your current coverage

• Explain policy options in plain language

• Identify potential gaps in protection

• Compare available options

• Look for discounts

• Help you make informed decisions

 

Our goal is to help you protect what matters most while keeping your insurance affordable.

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Frequently Asked Questions

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How much homeowners insurance do I need?

Your dwelling coverage should be based on the estimated cost to rebuild your home, not necessarily its market value or purchase price.

 

Does homeowners insurance cover flooding?

No. Flood damage is generally excluded and requires a separate flood insurance policy.

 

Are detached garages covered?

Yes, most homeowners policies include coverage for detached garages and other structures, subject to policy limits and conditions.

 

What information is needed for a quote?

We typically need:

• Property address

• Year built

• Square footage

• Roof age

• Construction type

• Current insurance information

 

Can I bundle my home and auto insurance?

In many cases, yes. Bundling can often result in substantial discounts and simplified policy management.

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Get a Homeowners Insurance Quote

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Whether you're buying a new home, reviewing your current coverage, or simply looking for a better value, we're here to help.

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Contact M&M Insurance Agency today for a free homeowners insurance review and quote.

Call or Text: (906) 863-8365

1405 13th St, Ste. B
Menominee, MI 49858

 

Serving homeowners throughout Michigan and Wisconsin.