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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.

Everyone at Young Insurance is very helpful polite,professional, I have recommended friends and family of mine to them I would like to thanks Christine she goes out of her way to help me several times thank you your the best Christine also everyone at the office and on the phone treats you like FAMILY once thank you to everyone at Young Insurance
Roin McClusky
Roin McClusky
Joe, Christine, Deana , and all the team at Young Insurance Agency are great persons and professionals because they always provide their best in all that they do and they do it awesome!Highly recommended!!
Ili Castro
Ili Castro
Love these guys! Everyone there bends over backwards to help me when I ever need anything.
THEE CONCEPT
THEE CONCEPT
They are very professional and respectful along with caring about their people.
Edward Pettis
Edward Pettis
Great place..Great people ..Fast service ..Great quotes.. couldn't ask for anything more. Would recommend A.Young Insurance Agency to anyone.
Jackie Hayden
Jackie Hayden
Everyone are very nice and informative. I'm very glad to belong to this company. Always take care of my insurance needs
Brendan Scheuher
Brendan Scheuher
Outstanding service!!! Five stars across the line.
Ricky Stitt
Ricky Stitt
Your staff is great thay take the time to help in any way they can and myself and family appreciate it thank you
Gloria Matties
Gloria Matties
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
Saved me so much money even after knowing I got 15 points on my license 🙏🏾🙏🏾
Jalane Majette
Jalane Majette
Hands down the best company and people you will ever deal with! If you want affordable coverage and a team that truly cares about you and goes out of their way to get you the best rates for your renewal even without being asked, this is the place for you. They are honest and hard working. That is rare to find these days. I will be a lifetime customer of A. Young Insurance!!!
Heidi Shock
Heidi Shock
Joe Leduc was very responsive in responding to my request for quote and understanding my needs to provide me policies that were very competitive. I appreciate his attention to customer service.
John Barton
John Barton
Kasia was such an amazing help and so quick in completing the changes I needed. Wouldn’t get my insurance anywhere else!
Laura Thomason
Laura Thomason
It was excellent thank you
Charla Davis
Charla Davis
A. Young Insurance Agency!!! Amazing work!! I worked with Andrea during my home insurance process. She worked to get the best pricing available. She kept me in the loop at all time. I really appreciate. A. Young Insurance Agency team. I definitely will recommend. Thank you again!
Clarence “CLA” Rice
Clarence “CLA” Rice
I had a great experience with my Agent Andrea… I was comparing home policies..As a senior citizen She explained various companies and ways I could save money each month…and she called me back couple times ON time as I requested…Thanks AgainSandra
Sandra Johnson
Sandra Johnson
Kelly is the agent that I see she is always been there for me and my wife and she is a great help and I thank her so much?
william Gentle
william Gentle
Friendly, great service ,The staff are awesome.
wildman687
wildman687
Kasia was golden, helped me at last minute with my issues. Helped me save money and everything. It was the greatest pleasure working with her.
Slugg 1101
Slugg 1101
Keseac , is the agent who helped me with my insurance and she was so helpful and kind and knowledgeable and understanding and looked for the best way for me to save money, But keep my car is insured and covered. I am truly very grateful that we have switched to a young insurance agency.
Sharon Schmitt
Sharon Schmitt
😆😄such warm generous to work with, they are by far the people to work with!! For all your insurance needs ! I am amazed by how much of a load it took off -we needed them and we have appreciated all the work they do!! Great Neighbors too!
Kathryn Hawley
Kathryn Hawley
Joe did an awesome job at getting me a new great insurance quote on my auto & I appreciate it more than you know!! Thank you Joe!!
Kristen Hebb
Kristen Hebb
They are hands down the best insurance company that I've ever dealt with! Shannon helps us every 6 months with our policy and they make it affordable for me to be able to have insurance on my vehicles! Shannon and Ron are definitely very down to earth people that care about their community and customers! I would highly recommend them to anyone!
Christopher McCall
Christopher McCall
If you're looking for great customer service and the lowest prices, then reach out to A. Young Insurance Agency. Kelly went out of her way to answer all the questions I had on renters' insurance and then combined them with my auto insurance for a better discount. I purchase my auto insurance from Joe back in April, and he provided a great customer experience at a time when everything in my life was a little hectic. Thank you both of them!
Vicki Briggs-Gamache
Vicki Briggs-Gamache
I had a great experience here. Larry really helped me through the difficult task of obtaining auto and renter's insurance. He went above and beyond to help me understand and compare different quotes and policies.
Char Woods
Char Woods
Great agency. Very responsive, friendly and easy to work with.
Hockey33
Hockey33
Joe Leduc is my agent. Joe finds me the best policies for my house in my car. I I know I’m saving a lot of money which means a lot to me and I’m getting the best coverage. Joe researches every company out there and matches me up with the best one I really appreciate his thoughtfulness and his help
Shelley Staffig
Shelley Staffig
Very happy with my insurance agent. He has saved me lots of money over the years. All the staff there is professional and courteous.
angela pollard
angela pollard
Great rates and quick to respond to inquiries! Recommend highly!
Jenny Kemp
Jenny Kemp
I’ve been working with John and the agency for years now, for both car and renter’s insurance. They have been fantastic, thorough, very easy to communicate with, incredibly helpful, and always proactive if there is something they see that can be changed for the client benefit. I love working with them and my needs are ALWAYS met.
Brooke Eason
Brooke Eason
Would highly recommend A.Young InsuranceAlways very helpful.Explains everything so wellAll the staff are always friendly.
Joanna Kinsella
Joanna Kinsella
Joe has taken great care of my insurance needs and my mothers. Always so friendly!
Ashley Nettles
Ashley Nettles
i have recommended this agency
Cedric Stroud
Cedric Stroud
Its a good place i love it
Ahmed Fayyaz
Ahmed Fayyaz

1400 Scott Lake Road, Suite AA
Waterford, MI 48328