How Home Insurance Protects You

If you own a home, it’s important that you have an effective home insurance policy for it for as long as you live there. If you need a home policy, give us a call now at The Ryan Insurance Agency in Clarkston, MI.

Risks to Your Home

When you own a home, there are many risks that can threaten it. There are disasters that can cause untold damage to a house. There are accidents that can cause just as much damage. There are calamities that can require a lot of repairs. When you have a home insurance policy, you have coverage against a wide variety of risks that can damage a house. Without this insurance, you would have to come up with repair funds, or even rebuilding funds, all by yourself. A home insurance policy covers your dwelling and takes care of those covered situations by paying for repairs. 

Risks to Your Finances

In addition to the risks that your home faces, you could face even more risks to your finances. If a third party is in your home and becomes injured or ill there, you can be found liable for all of the medical bills that result from it. With the high cost of medical bills today, these bills can be enormous. However, with a home insurance policy, those bills are covered. You won’t have to come up with the money yourself. Liability coverage is included in home insurance, and it can save you from incredibly high bills after an accident in your home. 

Get Your Home Protected

If your home doesn’t have a home insurance policy, don’t wait. Call us right away at The Ryan Insurance Agency in Clarkston, MI to find out more about these valuable insurance policies. Don’t be caught without insurance protection for your home. 

What isn’t covered by home insurance

Most people buy home insurance with the expectation that it will be there to protect them no matter what bad things happen. Unfortunately, that isn’t always the case. Every bad thing that happens isn’t covered by home insurance. Home insurance policies have items called exclusions, and these are the things that aren’t covered by your home insurance.

With over 13 years of experience, The Ryan Insurance Agency in Clarkston, MI is locally owned and operated. As an independent agency, we do all the work for you to get the coverage you need at a competitive rate. 


Floods are one of the most common and damaging natural occurring events. Almost no home insurance policies cover flooding. It only takes a few inches of surface water to cause catastrophic damage to the structure and contents of your home. 

Moving Earth

Heavy rains can cause mudslides, and earthquakes are common in certain parts of the country, and sinkholes are a phenomenon that has spread to many areas. None of these types of moving earth are covered in a typical home insurance policy. 


This is a hard one because it can include things like termites and mold. You are required to maintain your home, and if you don’t take care of something like a roof that needs to be replaced and it causes damage to your home, your insurance is not going to pay for the resulting damage. With termites, if you live in an area where they are common, you should be getting your home treated. 

Don’t worry too much about the things that are not covered by your home insurance. In most cases, you can add a rider to get the coverage that you want. The Ryan Insurance Agency in Clarkston, MI is ready to sit down with you to discuss your home insurance coverage. Give us a call or stop by our office for a no-obligation quote. 

What Clarkson Homeowners Need to Know About Home Insurance

One of the best long term decisions that you can make financially would be to purchase your home as opposed to continuing to rent. Homeowners will benefit a number of different ways when they buy a home but they need to make sure that their important asset is properly protected. For those that are in the Clarkston, MI area and either own a home or are looking to buy one, there is a lot that needs to be understood about home insurance.

It Covers Many Assets

When most people get home insurance they immediately think about how it could protect their home. However, a quality policy can also help to protect all of their personal assets as well. If you suffer from a fire, weather damage, or even theft, your personal belongings will be covered under the policy. More expensive items that exceed the policy limit, such as art or jewelry, can also be covered under a policy rider. 

Gives Liability Protection

When you own a home, you will take on liability risk whenever someone enters your property. Fortunately, a home insurance policy can help you to protect against this risk. When you have home insurance, you will receive liability insurance protection that will help you pay restitution if you are found liable for an accident. 

Choosing the right home insurance policy is a big decision and can also be quite confusing. When you are looking to purchase a home in the Clarkston, MI area, it would be a good idea to The Ryan Insurance Agency to discuss your home insurance needs. The team at The Ryan Insurance Agency can help you to better understand how home insurance works, all of the benefits that it provides, and why you need it. This will then help you to get into a policy that provides the right type and level of coverage.