Ada, Michigan
Insurance for Ada homeowners and families
Ada homes tend to grow over time. A finished basement, a kitchen remodel, or an addition over the garage often happens after the policy was written, and the coverage rarely catches up on its own.
Property along the Thornapple and Grand Rivers brings its own questions. Larger homes usually hold jewelry, art, and other valuables that deserve their own attention too.
In Ada, my job is to make sure your policy matches the home you live in now, not the one on the original application.
Coverage review
What I check in a review here
- Remodels, additions, and finished basements, and whether the dwelling limit on your home insurance reflects them.
- Water backup and riverfront exposure for homes along the Thornapple or Grand River.
- Jewelry, art, watches, and collections that may need to be scheduled on their own.
- Whether an umbrella policy makes sense on top of your home and auto liability.
- Auto insurance for every vehicle in the household, along with your Michigan PIP choice.
- Life insurance sized to the mortgage and the people who rely on your income.
How we meet
On Main Street, at your kitchen table, or online
Ada is a quick drive from my office on Main Street in Lowell, so meeting there is easy.
I can also sit down at your kitchen table, which helps when we're talking about a remodel I can see for myself. Online works well too.
Plan on about 30 minutes.
Questions
Questions I hear in Ada
I remodeled after buying my Ada home. Should I tell my insurance agent?
Yes. A remodel or an addition can raise what it would cost to rebuild. If your policy still describes the house before the work, you could be underinsured after a loss.
What is an umbrella policy, and do I need one?
An umbrella adds liability protection above your home and auto limits. It is worth a look if you have a larger home, a pool, teen drivers, or significant savings to protect.
Are my jewelry and valuables covered under my homeowners policy?
Usually only up to a set limit for theft. Engagement rings, watches, and collections often need to be listed on their own so they're covered for what they're worth.
Will you meet with me in Ada?
Yes. I can come to your home in Ada, meet at my Lowell office, or set up a call online, whichever fits your schedule.
Get a free coverage review
Send over your declarations pages and I'll let you know where your coverage stands.