Disasters can happen to anyone at any time, no matter how many precautions you take.
Fires, tornadoes, lightning strikes, and high winds are all very real possibilities here in Northeast Ohio. These catastrophes can cause a large amount of damage to your home and possessions. Thankfully, homeowners insurance provides coverage in case of such disasters. Most likely your home is your most valuable asset and I’m sure you’ve put a lot of time, effort and money into it. Don’t let all your hard work be swept away. Even if your home were to be destroyed by a tornado, it doesn’t mean that your financial security has to also. Here at McMichael Insurance, we will strive to ensure that your home is covered in the event of such unthinkable tragedies.
The basic homeowners policy includes coverage for your home, garage and outbuildings, as well as your possessions. In case of a fire or some other disaster that leaves your family without a place to live, coverage will also provide payment for temporary living expenses. Another critical coverage element of the homeowner policy is the liability protection afforded to you and family residents. Liability will provide financial payment on your behalf in the event you or family residents are legally responsible for the injuries of another or damage to their property.
Here are some coverages available for the homeowner’s policy:
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Love the friendly staff. Very professional and they have great customer service. The fact that they carry different insurance companies, they are able to get the best price and you can get coverage for all your needs! Thank you for taking good care of our family!!
Coverage Types
Boats and Recreational Vehicles
Boats and Recreational Vehicles may also be added to you homeowners insurance policy. Coverage may include liability and physical damage for boats, personal watercraft, all terrain vehicles, snowmobiles, golf carts, mopeds, go carts, etc.
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Building Ordinance or Law
Many cities and counties have ordinances or laws, regulating the construction, repair or demolition of insured buildings. The commonly exercised ordinance would require bringing the home up to current and modern building codes. However, the extreme example would require the tearing down of an entire home if only 51% or more of the home sustained damage.
Let’s consider this for a moment and the impact upon an “unendorsed” homeowners insurance policy. The standard homeowners, form 3, insurance policy only requires rebuilding of the home as it sat immediately prior to the loss, and further excludes any operation of ordinances, laws or codes. This means the insurance would only pay the 51% of the damaged portion of your home, thereby leaving you to pay the additional amount out of pocket. The solution is to add this optional Building Ordinance or Law coverage that will now pay these expenses, up to the limit of insurance selected.
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Business Occupancies and Home Businesses
Business Occupancy coverage may be purchased for business activities of the insured, including incidental home offices, home day-care services or other permitted incidental businesses. Coverage may typically be included for property, loss of business income and General Liability. We may also be able to extend coverage to your primary business operated from your home, even if the business operates as an entity other than your personal name.
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Earthquake
Earthquakes, although rare in the Midwest, are still a possibility and have the potential to cause severe damage. Coverage may be purchased that will protect you from damage caused by not only earthquake, but also land shock waves and tremors.
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Flood Coverage
Although this coverage is generally unavailable through the standard insurance market, you may be able to purchase coverage through the National Flood Insurance Program (NFIP) of the Federal Emergency Management Agency. Coverage inquiries can be made direct to the NFIP Servicing Agent by calling (800) 638-6620.
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Personal Injury
Personal Injury extends coverage to losses such as libel, slander, invasion of privacy, wrongful eviction or entry, and malicious prosecution. This should be a part of any well crafted homeowners insurance policy.
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Scheduled Personal Property
Scheduled Personal Property provides increased limits of insurance for certain classes of personal property that are typically limited, but also provides broader coverage on an open peril (“all risk”) basis for specifically insured personal property. This also extends coverage for misplacing or losing insured items. Coverage that can be scheduled includes, but is not limited to: Jewelry, watches or furs; Silverware or gold ware; Firearms; Antiques, collectibles and fine arts; and Musical instruments.
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Sewer or Drain Backup
While excluded in the basic homeowners policy, form 3, this valuable coverage may be purchased at an additional cost. Coverage is available for loss caused by the overflow or backup of sewers, drains or sumps.
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Special Personal Property
This option expands coverage for the basic homeowners policy, form 3, from named perils to open perils (“all risk”). The typical personal property policy gives you a listing of 17 perils, or causes of loss. If your personal property is damaged by 1 of the 17 insured causes then you will be paid for your loss. The problem with this approach is that burden of proof when submitting a claim is on the insured to make the case that what damaged their property was one of these 17 loss causes. A far better approach is to insure your personal belongings by adding Special Personal Property to your homeowners insurance. This approach states that all causes of loss are insured, except those specifically excluded. Not only are you afforded much more coverage for your personal belongings, but it also forces the burden of proof upon the insurer to prove that the claim is excluded. This is a minor distinction, but never-the-less a huge advantage in favor of the insured.
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Other Insurances
Our Customers
The folks here are great to work with, Always helpful and always available! Michelle is the most helpful insurance agent I have ever dealt with. The customer service I receive is the best in the industry. I highly recommend them!
Abdallah El Hage
14:14 22 Mar 23
Aways Helpful and Pleasant.
Bob & Mary Jirousek
17:42 19 Mar 23
Dennis worked with me to find home & auto insurance that fit both my needs and my budget. He saved me a lot of time and the aggravation associated with vetting out insurance companies on my own. Working with Dennis was a pleasure.
Robert Melchiorri
15:19 09 Mar 23
Very proffesional , knowledgebal , attention to details . Hard to find those days
Ekaterina Varley
17:56 08 Mar 23
Explained very well and quick.
Bigboss
14:27 02 Mar 23
McMichael insurance is the best I have dealt with in 30 years!And Kathryn is an amazing client manager! She is not only great at her job, but she is the funniest client manager also. If you ever get a chance to deal with her, look out cause she has some one liners that will have you rolling on the floor in stitches! Her humor takes the pain out of dealing with the arduous task of commercial insurance.
Adam Csongedi
15:53 01 Mar 23
Great communication and follow up. This was a simple and painless process!
Brad Denning
22:59 22 Feb 23
Dennis did a great job finding us a lower rate on our home and auto insurance. Thank you.
Ron Borchert
01:41 17 Feb 23
Love working with Michelle. She has made everything so easy!
Yale Goldberg
22:29 15 Feb 23
My company BanaPlus transport Corp. working with McMichael insurance for over 3 years we had the best experience with them during the past 7 years in the trucking business. Thank you
Hani Salameh
22:40 10 Feb 23
Best things for me has been working with Michael and of course pricing was great and he made the transition very easy and timely
Rick Hoddinott
16:08 09 Feb 23
Ms. Kristen Jordan is the best! She found us a better insurance plan and saved us money. I will definitely share her info with my friends.
natasha belmo
15:11 09 Feb 23
Absolute a great insurance agency all around. I have been in the transportation industry since 2008 and have experienced my fair share of decent insurance agencies, but you cannot go wrong when selecting McMichael Insurance. They are extremely knowledgeable, provide outstanding customer service, quick to resolve any last minute issues, and the list truly goes on! I highly recommend and plan to be with the McMichael Insurance organization for the duration of my time in transportation. Give them a call, ask for Kathryn Wolf, she’s my agent, and I promise she will not disappoint! FIVE STARS ALL THE WAY WITHOUT HESITATION!
Jermaine Roller
22:06 01 Feb 23
Saved me so much!! Kristen was awesome and got me exactly the coverage I needed at a great rate.
Chris Just Vape
15:16 31 Jan 23
Had a great experience with Kristen Jordan. She found a much better rate on both my auto and home insurance. The process was very smooth and stress free. Definitely recommend!
Catherine Loiacono (Cat)
17:29 25 Jan 23
Kristen at McMichael Insurance was very helpful and met all of our needs. She went over and beyond to help us find the best rates . I would recommend her to anyone, a great person to work with and company thank you for all of your help.
Lisa Diamandis
15:42 20 Jan 23
Great experience
Jacinta Barfield
14:32 20 Jan 23
I am so happy with my new insurance that Kristen Jordan found for me and my son. Kristen took her time and due diligence to find the best deal out there for me and my son. I highly recommend her and the company to anyone in the market or anyone looking to lower their insurance payment. She is the best of the best!!
Kellie Hensley
20:44 13 Jan 23
Recently, McMichael reviewed our insurance needs and proactively moved us to Hanover Insurance as our previous carrier was moving rates upward. The transition was seamless. Dennis was quick to show us that the coverage was the same and the cost would remain in line. The young lady who was assisting Dennis was so professional when I had questions on the premium payments. They take all the worries out of our needs. Thanks again for all your agency does.
Stephen Banashak
14:37 10 Jan 23
If I could give 6 stars I would! We were in the middle of a move and had to quickly switch companies. One phone call to McMichael Insurance company and our problems were solved. They find the best rates. Michelle Mclean is awesome.
Jo Hagy
15:14 29 Dec 22
Fantastic experience
Shakir Shakioye
14:44 22 Dec 22
We worked with Kristen Jordan and she was awesome!! She found us the best coverage for our home and cars and saved me countless hours of research She is incredibly knowledgeable about all types of insurance and the coverage needed Thank you for helping us and for saving us lots money!!
Amy Linneman
20:02 14 Dec 22
Kristen Jordan, thank you for going the extra mile for us, your professionalism and years of experience are appreciated. We are glad we found you! Please add us to your loyal clients list. Best.
JM
14:35 13 Dec 22
The whole experience was awesome! Kristen is top notch in helping you save money with the best coverage. Highly recommended!!
DJ McKinzie
15:23 12 Dec 22
Getting auto and homeowners insurance was extremely fast and easy.
Jason T.
14:06 09 Dec 22
OMG Ms Jordan is a godsend, she crunched some numbers and got me in a policy that was twice as good as my previous policy and saved me almost half of what I was paying. Whoa who. Thank you
Wanda Worsham
20:06 03 Dec 22
Extremely helpful and absolutely great prices!
rebel malm
15:12 18 Nov 22
Michelle was so much help with our insurance needs. SheWent above and beyond!! She save us so much money, we got better policies for less money, and personal caring service.
Mary C
15:36 11 Nov 22
10/10 Recommend the Whole McMichael Team are fast professional and made sure to take care and adjust my policies to my specific needs.
Streets boro
14:18 11 Nov 22
Kristen was great, she found a bundle insurance that lowered both my home & auto insurance!
Betty Cason
14:54 04 Nov 22
Kristen was very easy to work with and made every effort to make sure that we received the best quote. She saved us a ton of money!! Would highly recommend.
Fred Upton
00:31 04 Nov 22
Excellent
Suresh P
13:23 27 Oct 22
Professional, fast and friendly, and we now have 4X our previous coverage at a cheaper rate! I have nothing but good things to say about McMichael Insurance and my experience with them thus far.
Eric Zierer
13:19 25 Oct 22
I had Michelle McMicheal she was very friendly. She helped us find the lowest rates, provided the proper information that was needed. She was alway available for questions and concerns.
Lakeisha Mckinnie
19:43 22 Oct 22
Just sign up home and auto policy with them. Good experience so far.
Liping Liu
15:12 22 Oct 22
I had a great experience! Within an hour, they were able to get me a cheaper rate on my car insurance! Kristyn was really on it!
Jenna Taylor
13:35 20 Oct 22
Very polite and professional and got me just what I needed at a very good rate.
Darrell L Scott
14:13 13 Oct 22
Dennis McMichael is an excellent insurance agent that works exclusively to help his clients save money and receive the best coverage available.
Don Garrini
19:14 30 Sep 22
The most reliable, professional, honest and caring business you can find in the area. I highly recommend them!
Olya Dobro
19:24 29 Sep 22
Kristen was AWESOME! She was so helpful. Quick to answer my emails, and just so pleasant to work with! Helped me get a great rate for 2 cars, one being for a teenage boy! Thank you Kristen!
Leah Salata
13:17 28 Sep 22
Very please with the service and the price. Kristen Jordan (agent) I worked with was very profesional and very helpful. I’m very please with the service.
Melvin Velasquez
13:18 19 Sep 22
Michelle, at McMichael Ins, is one of the most amazing people I've met on this journey in purchasing our home. She had absolutely nothing to do with the purchase, only the home owners ins, yet she talked with me. Let me vent and rant about my frustrations and just made my experience a much better one.
Sandi Ambrose
22:05 15 Sep 22
always very kind and considerate. Always the better price.ThanksGinny
Virginia VanHoose
16:21 14 Sep 22
Brian was great to work with. He took care of all my questions and got me a cheaper rate for the same if not better coverage than I had. Highly recommend Brian and McMichael insurance company. I appreciate all your time and effort you all gave me !!
Rick Donaty Jr
14:08 12 Sep 22
Great customer service. Trustworthy and goes the extra mile.
CaleHeintz
16:34 09 Sep 22
McMichael insurance is right on the ball and they are very very helpful.
Willadean Vorisek
14:08 07 Sep 22
The agents at McMichael Insurance are top notch. They took the time to make sure they knew what I needed and provided me with quality, affordable coverage for Medicare, auto, and renter's insurance. And they followed up to make sure I was satisfied. Agents are supportive and caring. I highly recommend that you give them an opportunity to do the same for you.
Brenda Gates
18:14 03 Sep 22
Our experience has been incredible! Everyone is quick to help, explains anything we don't understand, and set us up with a plan that saves us a great deal of money. They make it clear that their goal is actually to help and not just to make money off of us. We highly recommend their services!
Christina Protsman
17:51 03 Sep 22
If you like to save money and appreciate good customer service, this is the company for you!I recently made the switch thanks to Kristen and the team at McMichael Insurance, after my previous insurance company doubled our policy price to add my teenage driver. Kristen was very patient with me as we discussed which coverage options would be best and the most reasonable financially. She made herself available to answer even the simplest of questions to ease my mind about the process of switching companies.I am happy to report that we came out with better coverage than our previous company for a much more reasonable cost. Thank you Kristen!
Shannon Williams
19:38 30 Aug 22
The service and productos provided were better than expected. I gladly give 5 stars only in absence or inability to give 10 stars ⭐️
Antonio Torrico
15:32 24 Aug 22
The most nicest insurance agent I have ever met so caring and informative thank you..
Sun Man
13:29 24 Aug 22
She sent me the quote first and didn’t ask the same questions over again. She was very patient and explained and shared her own experience.
NaSreen Nazamyar
14:14 22 Aug 22
My experience with this company, Kirsten in particular, has been wonderful. I have never dealt with an insurance agent before that it's so knowledgeable and yet kind enough to keep customer's best interest in mind. She also saved me significantly over my previous companies whom I had been doing business with for over 10 years. Give them a try and you will not be glad you did. Thank you!
Umer Khan
13:19 18 Aug 22
It has been great working with Kristen at McMichael Insurance. She was able to save me over $500.00 a year on my automobile insurance and with better coverage. She answered all my questions quickly and professionally. She made it so easy to switch insurance companies.
Shelly Trump
16:51 15 Aug 22
They’re clearly knowledgeable & very quick to respond. Made getting a new policy very easy.
Megan Zavodny
19:47 09 Aug 22
Always so appreciative of Dennis and his team. We've been part of the McMichael family for almost 20 years. Great communication, responsiveness, and attention to detail. Best decision we've made!
David Smith
16:44 06 Aug 22
I am always so impressed with everyone at McMichael Insurance! It is so clear that they care about all of their clients.
Casey Nelson
23:19 05 Aug 22
Dennis is a total pleasure to work with, a true professional.
Tom Kasicki
14:30 04 Aug 22
Helped me get a lower car and home insurance price. They answer your questions quickly and make getting insurance seem like a breeze. Thanks so much!
Emily Zion
18:06 31 Jul 22
So we were being ripped off by other insurance companies and McMicheals had us insured for half the price we were paying! They also are people you can talk to, not some corporation where you call a 1800 number, I have my own personal agent, and I can call her anytime. What a difference! I won’t be leaving their agency anytime soon! Kristen is the best!
Ricardo ramos
22:47 29 Jul 22
Kristen was extremely helpful with providing my family with the best insurance options for us. Her insurance knowledge and real world experience sets them apart from the others.We switched our auto policy’s and home policy from State Farm to McMichael Insurance.
Steven Morabito
15:13 25 Jul 22
My agent Michelle was wonderful
shar bear
22:27 19 Jul 22
Working with Michelle was excellent experience. Her regular feedback and quick response time to my random questions was reassuring and greatly appreciated. I will be working with her again for my future insurance needs.
Babatunde Onadele Jr
16:08 15 Jul 22
Prompt and friendly service
joe bazelides
00:13 15 Jul 22
Always great to work with and very helpful!
Julie Molnar
17:38 14 Jul 22
What a great experience! Shopping for insurance can at times be worse than going to the dentist! However, working with Kristen at McMichael Insurance was such a different experience! She quickly and non obtrusively sent me a quote and follow up via email, as I requested when I started looking. I hate getting bombarded with those annoying phone calls and non stop texting messages that nearly every other company used saying they had my quote ready, but I had to call them to get it. That was not the case with McMichael Insurance, I received an email with my quote attached and a nice and simple response saying that if I was interested they would be happy to help me with finding the right insurance. They most certainly did, saving us a considerable amount of money while improving upon our coverage for our home and auto policies. So unlike that trip to the dentist, the experience of shopping for new insurance was an absolute pleasure with McMichael Insurance and especially with Kristen. I would highly, highly recommend that anyone in need of insurance or even just looking to compare current policies contact Kristen to discuss what she can do for you. You might find yourself as surprised as we are with the savings she found for us, but even more so with the way she goes about communicating with you in doing so. Great Great Experience!
Cary Schreiner
11:57 13 Jul 22
McMichael Insurance made the process of switching insurance companies during a move carefree! Abbey took care of everything and was easily accessible when I needed to talk to her. I believe she found the best auto-condo rates and I am set even before I make my move. Now to deal with the cable company, which is a completely different story!
Doris Mullins
15:10 12 Jul 22
I have been with them for 20+ yrs.They go above & beyond to find the best deals & rates. I love their website & the convenience of paying online & having documents & everything electronic. Their website is very user friendly too. 😉
J J
10:21 09 Jul 22
Kristen was great! She was able to lower my rates on car insurance by over $100 per month! And on homeowners by more than 50% with twice as much coverage!!! Amazing service and support! Thanks so much!!!
J.R. Williams
14:19 24 Jun 22
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