What Standard Policies Cover
Michigan homeowners deserve clear, simple protection. Here is what comes standard with almost every policy we tailor for you.
Dwelling Coverage
Protects the physical structure of your Michigan home from covered perils like fire or wind.
Personal Property
Liability Protection
Provides a financial safety net if someone is injured on your property and you are found responsible.
Loss of Use
Helps cover additional living expenses if a covered disaster makes your home temporarily uninhabitable.
West Michigan Weather Protection
Michigan homeowners face unique challenges, from heavy lake-effect snow to high winds and sudden lakefront storms. Standard policies often require specific adjustments to handle local requirements and the distinct weather patterns of the Great Lakes region.
Lexis Insurance Agency leverages years of experience in West Michigan to help you tailor your coverage. We ensure your home is protected against the specific risks that matter most in our community, providing peace of mind no matter the forecast.
Optional Coverages to Tailor Your Protection
Water Backup
Covers damage from sewer backups or sump pump failures.
Jewelry & Valuables
Enhanced protection for high-value items beyond standard limits.
Service Line Coverage
Protects underground utility lines running into your home.
Identity Theft
Assists with legal fees and restoration services after theft.
Extended Replacement
Provides extra funds if rebuilding costs exceed policy limits.
Personal Umbrella
Adds high-limit liability protection across all your policies.