Grosse Pointe Insurance Solutions
Your home’s details matter. In Grosse Pointe, that might mean an older house with distinctive materials, a condo, or a property you rent to someone else. A useful insurance review starts with how the property is built, maintained and occupied.
Your life, your details
Replacement cost and market value measure different things. For an older home, describe original woodwork, plaster, custom finishes, roof materials and major renovations. Share recent updates to heating, electrical and plumbing systems so the review reflects the home you have today.
Flood and water or sewer backup are different coverage questions. Describe a finished basement, sump pump and previous water problems. Ask Carly to explain the policy’s terms and any available options rather than assuming every source of water is treated the same.
Tell us who lives at the property and how it is used. For a condo, have the association’s insurance information available. For a rental, mention the number of units, tenants and any short-term rental use. These details help the agency ask the right follow-up questions.
Mention jewelry, collections and other belongings you want reviewed, along with liability concerns such as a pool or rental activity. A home and umbrella review can happen together. Specific limits and eligibility will need to be confirmed.
Go deeper
Why a 1920s Tudor or a 1950s colonial in the Pointes needs a rebuild-cost review, what plaster, slate and leaded glass do to the number,…
ReadThe east side floods from the sewer, not the lake. What a standard home policy excludes, what a water-backup endorsement adds, when NFIP…
ReadReading your association’s master policy, the difference between bare-walls and all-in, loss assessment coverage, and the unit-owner…
ReadThe dwelling fire (DP-3) form for rental property, loss of rents, liability for tenants and visitors, short-term rental questions, and…
ReadEvery homeowners policy caps certain categories — jewelry, watches, furs, silver, firearms, collectibles. What the sub-limits look like,…
ReadWhat a homeowners policy does and does not cover on the water: seawalls and docks, boat lifts and hoists, wind and ice damage, and how…
ReadA few common questions
Your property address, approximate year built and finished living area are a useful start. Your current declarations page and details of major updates can help Carly prepare the review.
Yes. Describe the materials, architectural details and renovations that may affect rebuilding. The agency will review available options and any further information the carrier needs.
Yes. Choose Home, identify the property type and occupancy, and explain how you use it. Carly will follow up on the coverage that fits that use.
Coverage is subject to policy terms, limits, exclusions and eligibility. A request does not bind or change insurance.