Home Insurance: Protect Your Home and Everything In It

Your home is more than just walls and a roof—it’s where your life happens. It’s where your family feels safe, where milestones are celebrated, and where memories are created. At The Michaels Group, we understand how deeply your home matters to you, and we’re here to help protect it. With coverage options tailored to your unique needs, we ensure that no matter what life throws your way, your sanctuary remains secure. Let us take the stress out of insurance so you can focus on what truly makes your house a home.

Get a Quote Today

Why Choose The Michaels Group?

  • Access to Top Carriers: We work with over 25 reputable insurance providers to find the best coverage for you.
  • Expert Guidance: As a second-generation insurance agency, we know the industry inside and out—ensuring you get the best advice at no extra cost.
  • No Broker Fees: Unlike others, we never charge broker fees, so you get personalized service without hidden costs.
  • Tailored Policies: We customize your coverage to fit your unique home, location, and lifestyle.
  • Trusted Legacy: Backed by decades of experience and a commitment to excellence, we’re here to protect what matters most.

Key Features of Homeowners Insurance

Property Coverage



Protects your home and attached structures from perils like fire, theft, and storm damage.

Personal Belongings

Covers your valuables, including electronics, furniture, and jewelry.

Liability Protection

 Financial coverage for accidents or injuries occurring on your property.

Loss of Use

Reimbursement for living expenses if your home becomes temporarily uninhabitable.

Add-Ons Available

Tailor your policy with options like flood insurance or extended liability.

FAQs About Homeowners Insurance

  • What does a standard homeowners policy cover?

    A typical policy includes coverage for your home, personal property, liability protection, and additional living expenses if your home becomes uninhabitable.

  • Do I need homeowners insurance if my mortgage is paid off?

    Yes! While it’s not legally required, homeowners insurance protects you from unexpected disasters, theft, or liability claims.

  • Can I add flood insurance to my homeowners policy?

    Yes, flood insurance is often purchased separately and can be added to ensure full protection in high-risk areas.

  • Does my policy cover home improvements?

    Many policies will cover renovations or additions, but it’s important to notify your insurer about any significant upgrades.

How to Know You’re on the Right Track

Choosing the right homeowners insurance can feel overwhelming, but you don’t have to navigate it alone. At The Michaels Group, we believe the best decisions come from conversations about what matters most to you. Whether it’s protecting the dream home you’ve worked so hard for, ensuring your family’s safety, or safeguarding precious memories, we’re here to listen and guide you. With just a few questions about your home, lifestyle, and concerns, we’ll help you build a policy that feels right—one that gives you the confidence and peace of mind to focus on what truly matters. Let’s simplify this process together.