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Progressive Home Insurance Wayne County Mi

Homeowners insurance is designed to protect your home from what are called "perils." A peril is your exposure to risk or something that causes loss or destruction. As a homeowner, you can typically purchase three different types of home insurance policies. They are:

• Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils.
• Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1).
• Homeowners 3 (HO3): With this policy, your property is protected against most known perils, including some that are not covered by Homeowners 2.

• What factors can affect homeowners insurance premiums?

  The following factors can affect your homeowners insurance premium:If You Want To Purchase

• Progressive Home Insurance Wayne County Mi

• Home Features and Characteristics — Your home's age, type of structure, wiring, roof, garage, etc., can affect your homeowners insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.
• Location — Where your home is located can change your homeowners insurance premium. For instance, your home insurance rate can be affected if your home is in close proximity to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.
• Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your homeowners insurance premium.
• Personal Factors — What you do can affect your homeowners insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.
• Claims History — If you have a history of claims on a homeowners insurance policy, you may pay a higher premium.Call Schoen Insurance Agency Wayne County Mi (248) 782-8396 For The Best Price On, 

• Progressive Home Insurance Wayne County Mi

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