WHY I CHOOSE CARDINAL:

I'm a Realtor in Traverse City. Many times I have clients who move to the area and it's always easy to refer Cardinal Insurance. They do a great job looking for the best fit for each client. I've recommended them to friends & family members as well, they've always been attentive, responsive and competitive in their pricing. They did such a good job for others that I let them take a look at my insurance needs (thought they couldn't beat what I had in place). Turns out I now have better coverage with a less expensive price tag; you can't ask for more then that!

Debra J. Hall, client since 2011

Cardinal Insurance Google Review

WHY I CHOOSE CARDINAL:

"The professionals at Cardinal Insurance in Traverse City Michigan are just that - professionals. They remember my name, they get back to me so quickly, and they get back to me with answers. Beyond being affordable insurance, these people care. The customer service is outstanding and they have taken the time to build a relationship with me and my family and they have my trust. That is rare these days. Cardinal insurance will be my Agency for years to come."

-Kathleen Johnson 2022

Homeowners Insurance in Charlevoix, Michigan

Homeowners insurance provides essential financial protection against liability and property damage for owner-occupied residences, whether they are primary, seasonal, or secondary homes. This guide will walk you through the basics of a standard home policy and highlight crucial considerations specific to Charlevoix, Michigan.

Understanding a Standard Homeowners Policy

A standard home insurance policy consists of two main sections:

Section I – Property:

  • Dwelling: Covers the structure of your home.
  • Other Structures: Includes detached structures like garages.
  • Personal Property: Protects your belongings inside the home.
  • Loss of Use: Provides for additional living expenses if your home becomes uninhabitable.

Section II – Liability:

  • Personal Liability
  • Medical Payments (to others)

Key Considerations for Homeowners Insurance in Charlevoix, Michigan

It’s crucial to understand that no two insurance companies offer the exact same policy. Coverage forms, endorsements, and exclusions can vary significantly. Here are some important questions to consider when purchasing or changing home insurance policies in Charlevoix:

  1. Guaranteed Replacement Cost: Does the policy offer ‘guaranteed’ replacement cost on your dwelling, or is it an extended or similar replacement cost policy? Very few companies in Michigan still offer guaranteed replacement. Be cautious when switching from a guaranteed replacement policy.
  2. Water Backup Coverage: Does the policy include any coverage for water backup of sewers and drains? This coverage is not typically included automatically in Michigan. Check if the coverage limit is adequate, as claims can be costly and the limit applies to the entire claim.
  3. Identity Theft Coverage: Can you purchase identity theft coverage on your home insurance? This optional endorsement is relatively inexpensive and covers the cost of repairing and restoring your credit after identity theft.
  4. Personal Liability: Does your personal liability coverage include personal injury protection? This protects against claims and lawsuits for libel, slander, defamation of character, and wrongful imprisonment.
  5. Additional Items: Ensure any watercraft, jewelry, snowmobiles, bikes, etc., are added to your home policy by endorsement.
  6. Off-Premises Liability: Many home insurance policies exclude coverage for off-premises liability for RVs, dirt bikes, snowmobiles, golf carts, and 3 and 4 wheelers. Make sure to add this coverage if necessary.

Rental Property Insurance in Charlevoix

If you own rental properties, our agency can help with non-owner occupied properties, also known as landlord or rental properties. We cover homes rented out year-round, as well as weekly or seasonal rentals. We can also write policies for rental homes owned by out-of-state owners, a service not commonly offered by other Michigan agencies.

Charlevoix Home Insurance Quote Request

Name(Required)
Preferred Method of Contact(Required)
Address(Required)
Currently Licensed In Michigan, Indiana, Illinois, Kentucky, Ohio, Tennessee, Wisconsin, South Carolina and Arizona
Do you currently have insurance?(Required)
Drop files here or
Max. file size: 100 MB.