What a good Westland homeowners policy covers.

• Dwelling — the cost to rebuild your home after fire, wind, or other covered damage
• Other structures — garage, shed, fencing
• Personal property — furniture, electronics, clothing (replacement-cost option available)
• Loss of use — hotel and living expenses if your home is uninhabitable after a claim
• Personal liability — if someone is injured on your property
• Medical payments to others

Michigan-specific things we watch for.

Michigan winters bring frozen pipes, ice dams, and heavy snow loads — we make sure your policy answers those risks before they happen. Water and sewer backup is usually NOT included in a base policy, and with basements common in Michigan homes, it’s an exposure worth pricing: we quote it as an add-on on every homeowners policy. We also review your roof’s age and condition with you, since that drives both eligibility and price, and we make sure high-value items (jewelry, firearms, collectibles) are scheduled properly instead of capped at base-policy sublimits.

Condo and renters coverage too.

Own a condo in Westland? Your HO-6 policy needs to mesh with the association’s master policy — we read both. Renting? Renters insurance is one of the most affordable policies you can buy — the national average premium is about $171 a year, according to the Insurance Information Institute — and it covers your belongings plus liability your landlord’s policy doesn’t.

Bundle and save.

Insuring your home and auto with the same carrier usually earns a multi-policy discount. As an independent agency, we test the bundle against every carrier we represent to find the combination that actually saves you the most.

Get a free home insurance quote: call or text 734-419-1267, email akmal@ayeshinsuranceagency.com, or visit us at 1850 S Newburgh Rd, Westland, MI 48186. Mon–Fri 10am–6pm, Sat by appointment.