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Homeowners Insurance

Homeowners Insurance Explained

Without proper insurance coverage, it only takes one accident to make the dream of homeownership a nightmare. A home is usually the largest purchase an individual will ever make. It makes sense to want to protect such a grand purchase with the right insurance coverage.

Homeowners insurance is specifically designed to protect your home and the possessions within it from the results of unexpected events that cause loss. Usually, this will include fire, theft, and accidents. And quite important is the fact that this kind of insurance can also aid in the protection of your financial solvency should someone be injured on your property and file a lawsuit against you.

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Who Needs This Coverage?

Anyone who owns a home needs home insurance and will also likely be mandated to purchase it by the financial institution that lent the homeowner the money to buy it in the first place. If you attempt to avoid obtaining a policy, your lending institution will obtain one for you and then add it to the cost of your mortgage payments.

Natural Disasters

Usually, your policy coverage will extend to the protection from some natural disasters, but not all. Almost universally, earthquakes, floods, and hurricanes will not be a component of a typical homeowners’ policy and people will need to obtain separate policies. Be sure to ask your insurance professional about kind of coverage for natural disasters can be best tailored to your need and your budget for the area in which you reside.

How Much Coverage?

The various kinds of insurance coverage are available at varying levels. Normally the state where you live will outline set minimums for what your insurance provider should give you in a policy. Your lending institution will also set minimum coverage requirements as well.  In general, the more expensive your dwelling and the more costly the possessions you have within it will be determining factors as to how much you will need to spend on premiums.

There is also the homeowner liability coverage that protects you and your family for any legal claims arising from negligence that leads to personal injury or property damage. If you are the object of a lawsuit, your insurance provider will provide legal assistance to represent for gratis beyond the amount of your deductible paid and, of course, your paid premiums. Your homeowners’ insurance company will pay the judgment against you up to the level of your policy’s liability limit.

Other types of coverage are also made available by your insurer like help with lodging expenses should your home be rendered uninhabitable from the consequences of a covered event. Keep in mind that even if you now own your home completely, free from a mortgage, you would be smart to continue to carry proper homeowner’s coverage and even the most comfortable and safe homes occasionally suffer damage. Where will you and your family go, and who is going to help repair or replace your home? That is our job. Let us show you what we can do so you never worry about your home again.

Good customer service and rates for both home and auto.
Ruth
Ruth
Joe was so kind and helpful when I reached out with questions concerning my auto ins. He gave me honest, no pressure advice that I was very appreciative of. Looking forward to working with him in the future.
Meteor Burger
Meteor Burger
John and his Team are always there to help us out. We carry various insurance policies we bundle and they make sure we are always getting the best service. I would recommend this team to everyone!
Mary Milsk
Mary Milsk
Shannon is the Best. Make sure you call "Young Insurance" because she use to work for Look Insurance but after she branched out and away from Look, they took her telephone number away and if you call that number a snotty guy will answer and won't give you any information on how to get in contact with Shannon. He seems that he doesn't like the fact that she is doing very well and offers a better insurance rate. So keep that in mind when looking her up.
Tim Simmons
Tim Simmons
Best of the best. Shannon is a gem that has gone above and beyond for my wife Lori West over the years. She just helped me get the best priced policy and is so very pleasant to work with. Larry also spoke with me and helped with our concerns. A. Young is by far the best. Thank you!
Phil West
Phil West
Super responsive, and dedicate their time to explain any questions you have. On top of the great service, they got me a great deal. If you're looking for a new insurance agency this is it.
M Rut
M Rut
20 years old and they got me the best rate!
Joseph Kovalchik
Joseph Kovalchik
Working with the agents here is a breeze. Best rate for the right coverage!
Andrew L
Andrew L
The staff is very knowledgeable and helpful and always takes the time to help me with my problem. I highly recommend them.I had occasion to change over my home insurance to A.Young Agency, and once again I was met with exceptional service by Joe LeDuc and Christine the office manager. They make one feel like they are family and go above and beyond to make one’s experience easy and stress-free. I highly recommend them.
Anne Lee
Anne Lee
All staff are very responsive and helpful great agency
Eric Doty
Eric Doty
Shannon is fantastic. She always takes time to acknowledge me when I stop in. The team there is friendly and I feel like they, although very professional, have a very personal investment in their business. 🥰
Mark Rouleau
Mark Rouleau
I've know John for many years and he's a Great Guy who knows his stuff.
M.C. Cawley
M.C. Cawley
I absolutely love this insurance company! They always call when there's a better deal available to save me money! This company keeps in touch and cares about their customers and even remembers my birthday and sends a birthday card! If there's a problem with the account they're quick to investigate. They always have a solution! Thank you A Young I love all of you! Even though the pandemic has been hard on my family you always know how to make me smile! GOD BLESS YOU ALL!
Lillie Collins
Lillie Collins
Working with Young Insurance is a pleasure.staff is friendly,knowledgeable,and will work with you to get the insurance you need at the best rates.
Kevin Cavanaugh
Kevin Cavanaugh
I just love Shannon, she's the best!! She works so hard to get the best rate for me.I would highly recommend this company.
Barb Genta
Barb Genta
Got me what I needed, when I needed it and at the price I needed.
Dale Hartzfeld
Dale Hartzfeld
Nice friendly local place for insurance
Kathleen Hoadley
Kathleen Hoadley
Joe is the best! Friendly staff that cares about you. I felt like family. Really appreciate the guidance and ease of switching insurance companies. Thank you - Nikki
Nikki Quintanilla
Nikki Quintanilla
Everything we buy in life has three parts to it.Service, price and quality. Normally, one can only expect two out of three. Very rarely do you ever get the total package. A Young Insurance is an insurance company~ that has excellent service , excellent quality and excellent prices! 10 🌠
Tracy Richardson
Tracy Richardson

1400 Scott Lake Road, Suite AA
Waterford, MI 48328