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Michigan Home Owners Insurance

Looking for the best home insurance in Michigan can be a daunting task. Choosing the right home insurance in Michigan can ask for a lot of patience and valuable time. Few of the common home insurance in Michigan includes HO-3, HO-4 and HO-6 covers. HO-3 home insurance in Michigan includes all risks except those specifically mentioned in the cover. This policy may require the insured to take cover for at least 70 percent of the replacement cost of the house. HO-4 policy takes the liability and comprehensive cover against loss to personal property in a rented living space. It does not include cover for its building or its accompanying structure. The HO-6 policy is a condominium policy that covers for the portion of dwelling belonging to the condominium owner. It also insures its content against the listed perils in the policy. If you want your house covered for 100 percent of it market value including its dwelling and against named perils, then you should opt for "Market Value" or "Repair Cost". When you take a home insurance in Michigan, then you ought to decide which cover would suit your requirements in the best manner and also suit your budget.

Types of Insurance