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Protect Your largest Investment Against the Unexpected with Personalized Homeowners Insurance and Renters Coverage

Your home is the single largest investment you are going to make in your life. Not just because of the money you have invested in buying your home - it also contains the personal possessions you have accumulated over the years, the memories, and the time put into making your home. We can help you protect that investment.

Cover the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.

Comprehensive Property Insurance​ in Michigan

  • Personalized homeowners insurance

  • Renters insurance policies

  • Mobile home and condo-specific plans

  • Personal possession coverage

  • Fire, storm, and theft protection

  • Property owner liability coverage

Financial Protection You Can Count On

Should you find yourself in a situation where you cannot stay in your home due to damage, rest assured your coverage includes money for hotel stays during the repair process. Furthermore, you can count on financial assistance to replace any lost belongings and undertake necessary reconstruction.


Protect yourself against the financial loss associated with liability insurance claims, including personal injury, medical bills, and restitution.

Pioneer Stat Mutual Renters Insurance Ad
New House Protected By Our Homeowner's Insurance

Why Renter's Insurance is Important and Some Renter's Insurance Tips

What Does Renter's Insurance Cover?

  • Personal possessions such as furniture, clothing, electronics, etc. when damaged due to fire, smoke, lightning, theft, vandalism, explosion, wind, water, and any other disasters listed in your policy.

  • Liability insurance protects against lawsuits for bodily injury, property damage, or medical costs caused by anyone on the policy.

  • Additional living expenses should you need to relocate from your rental unit; includes hotel bills, cost of food, etc.

ACV Versus RCV - Know the Difference:

  • Actual cash value (ACV) reimburses you for the value of your items AFTER considering wear and tear, age, and depreciation value. Premiums for ACV are lower but your payout, should you need it, will reflect this and be lower.

  • Replacement cost value (RCV) will give a payout amount that allows you to replace your possessions with similar items at their current market value with NO depreciation accounted for. Premiums for this type of coverage are higher but replacing items, should the need arise, will be easier.

Helpful Renter's Insurance Tips:

  • A great way to itemize and determine the value of your possessions in order to choose the proper coverage limits on your policy is, a site run by the Insurance Information Institute. It is a free service that uses secure software that allows you to create an inventory of the possessions in your rental. It is easy to create and update so it is a great resource for renter's when purchasing renter's insurance.

  • How much are you paying for renter's insurance? Do remember to take advantage of discounts for higher deductibles or by bundling your renter's insurance with other types of insurance coverage such as car insurance.

  • Other discounts to consider are those offered for items that help protect your rental such as smoke detectors, alarms, security cameras, deadbolts, etc.

  • Your landlord's property insurance does not cover your possessions from loss, damage, or theft. Renter's insurance is an affordable way to protect your assets.

Not sure how much coverage you need? Speak to an insurance expert.

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