Owning a home can be a great investment. Making sure this investment is secure is essential. Purchasing homeowners insurance can financially cover your home in the event perils occur. So, what are some of the perils you can expect to be covered under your homeowners insurance?
It is common for homeowners insurance to cover wind damage. This can include wind from large storms, tornadoes and additional natural disasters. However, some policies will limit or exclude certain types of wind damages, such as roof repair.
If your region has frequent hail storms, homeowners insurance may have different policies regarding damages from these storms. For example, some may only offer limited or no coverage at all for cosmetic damages from hail.
Lightning strikes are a standard peril covered under homeowners insurance policies. If your home is damaged from a lightning strike, dwelling coverage will help pay for repairing the structure of the home.
Flood insurance is not typically covered in homeowners insurance. You may live in an area prone to flooding, such as by a river or the ocean. You may have to purchase additional flood insurance with your standard homeowners insurance. Personal property coverage would cover damages to your personal belongings.
Standard homeowners insurance typically doesn’t cover sewer backup damages. Much like flood insurance, water backup insurance must be purchased separately. This coverage may be best for homes with a basement.
Sewer damage can be extensive and costly. Sewer backup coverage is a great way to protect your home before an accident happens.
We can’t control the weather, but we can protect our home in the case of weather damage. Investing in homeowners insurance can financially secure your hard-earned assets.
My experience dates back to 2002 when I obtained my degree in Economics from Kalamazoo College and then immediately went to work as a sales manager for a 72 unit, new home development in Clarkston. I am in my 22nd year of full time residential real estate sales and real estate is my number one passion!
· I earned the "Top Producer" award at Morgan Milzow & Ford Realtors from 2007-2023
· My career accomplishments to date include over 1,000 homes sold and in excess of $315M in closed transactions
· I've been voted an Hour Magazine All-Star 2013-2023, an honor only given to the top 5% of Metro Detroit Real Estate Agents
· I'm a lifelong Clarkston resident & service all of Oakland County, parts of Genesee, Livingston and Macomb Counties, and my area knowledge, professionalism and real estate expertise is unparalleled
· As a top-producing & seasoned Realtor I have a strong support staff that handles all facets of your transaction and thus creates a concierge-like real estate process that is as seamless and hands on as it can be, delivering the service you deserve! “Stress free, worry free” is our mission & mantra
· We offer an unmatched marketing plan with preferred positioning on all major Internet outlets and social media, the best in professional photography, staging, handyman services, top-notch negotiating skills, excellent communication & much more!
· In 2022 I was awarded the Clarkston Chamber of Commerce Independence Women of the Year award for excellence in business and for my community contributions. In 2019 I received the Clarkston Community Businessperson of the Year Award. I’m also proud to have served my community as the Clarkston Area Chamber of Commerce President in 2018 & 2019. I'm a past recipient of the NOCBOR (North Oakland County Board of Realtors) Distinguished Service Award, nominated by my peers
· I consistently contribute to other, local charitable causes that are close to my heart including Tree of Dreams, benefitting Neighbor for Neighbor, SCAMP and Clarkston Schools
· My resume also includes being an investment property owner, landlord, land developer and home flipper. With my experience and expertise plus my valuable connections I can also offer temporary housing to clients ensuring the most harmonious moving transition possible!
