Homeowners Insurance

Protect your home, protect your future.

Local expertise and tailored coverage to safeguard what matters most—your Michigan home.



Homeowners Insurance is one of the most important ways to protect your property, assets, or business. At The Lapeer Agency, we help clients across Michigan find insurance options that work for their needs and budgets. With nearly a century of experience and access to multiple carriers, we deliver solutions that are tailored—not templated. Whether you’re exploring new policies or reviewing existing coverage, we make the process easy and informed. We take time to explain the details, answer your questions, and recommend options that offer lasting peace of mind. Our local agents are here to help you make confident, well-supported decisions every step of the way. Let’s get you covered the right way.

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What This Insurance Can Cover

Homeowners insurance includes several layers of protection designed to safeguard both your home and the life you’ve built inside it. Here are the key areas a strong policy should cover:

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Dwelling Coverage

Pays to repair or rebuild your home if it’s damaged by events like fire, hail, lightning, or vandalism.

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Personal Belongings

Protects the items inside your home—like furniture, electronics, and clothing—if they’re damaged or stolen.

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Liability Protection

Covers you if someone is injured on your property or if you accidentally cause damage to another person’s belongings.

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Additional Living Expenses

Covers hotel stays, meals, and temporary housing if your home becomes uninhabitable after a covered claim.

Frequently Asked Questions

Here are a few of the most common Homeowners Insurance questions we hear from Michigan clients.

  • Does homeowners insurance cover water damage?

    It depends on the cause. Sudden and accidental leaks are often covered, but flood damage usually requires a separate policy.

  • Can I insure high-value items like jewelry?

    Yes, we can add scheduled personal property coverage to protect items that exceed standard limits.

  • Is mold covered by homeowners insurance?

    It’s not usually covered unless it results from a sudden, covered event. We'll walk through how to handle it.

  • How often should I update my homeowners policy?

    Review it yearly or after big changes—like renovations, purchases, or local market shifts.