Homeowners Insurance

We Understand Your Home is Everything

We won’t cut corners.  Finding the right home insurance policy for you isn’t a linear process.  In fact, finding the ideal policy can take a lot of twists and turns.  Agents from other insurance companies who simply walk you through a checklist are likely not taking the entire value of your property and personal risk tolerance into consideration when giving you a home insurance quote.  At Burkhart-Presidio We take the time to ensure you are getting optimal coverage – for the best price.

Peace of Mind

When you contact Burkhart-Presidio about a homeowners insurance policy, you’ll be working with experienced agents.  Some of our agents have been in the business for 20+ years.  We know the personalized questions we need to ask to make sure your home and personal property are fully insured at the level you need them to be.

We know what’s important for today’s homeowner, and peace of mind is at the top of the list.

Ultimately, we are looking for the best price and coverage specific for your home and belongings.   Instead of just trying to sell a policy based on price, we first make sure you are protected according to your needs.  The result is that often-times, your coverage will be better for the same price or less.

Caring Customer Care

When it comes to your home and most valued possessions, we know that getting a response from your insurance company on claims that you want and need your issues taken care of ASAP.

Bottom line – we care you are getting the best possible customer care.  Our team works with you to help ensure your claims are handled with the utmost priority and as fast as possible.

We only work with the best of the best when it comes to customer care and continuously evaluate the providers we represent to ensure they meet both our expectations of service and, more importantly, yours.

What Kind of Home Do You Own?

No matter what type, size or age of your home,  it’s safe with us

(Michigan, Indiana, and Florida)

Whether you have a modern smart home, a major remodel, or an old farm estate, our Burkhart-Presidio agents will help customize the perfect policy for you.

Homeowners insurance is an area that tends to experience a fair amount of change with new inclusions, exclusions, discounts and more.  So, it’s something you’ll want to review on an annual basis, which our agents are happy to help you with.  We work with a variety of carriers to enable meeting your needs on an ongoing basis.

Some things to consider with your home insurance in addition to your Personal Property  and Hazard-related coverage are:

  • Do you have people who help manage your home, such as babysitters and house cleaners?
  • Do you have a lot of computers, devices and computer equipment? Possibly even a home office (link to business insurance)?
  • Are there local ordinances or laws where your property is located that impact your policy?
  • Do you need additional coverage for your electronics and appliances?
  • Do you have smart home upgrades?
  • Do you have a home security system?
  • Do you need sewer line coverage?
  • Does enhanced rebuilding coverage make sense for you?
  • Do you need full replacement or depreciated replacement value for your personal items?

Contact Burkhart-Presidio today and let’s see which policy from our highly- rated insurance partner carriers is of optimal value and price for your needs.

Protecting Your Personal Property

Good news….Most, if not all, of your personal property and collectibles will be covered by your homeowners insurance policy.  If you have something of notable value, you may want to schedule it separately via inland marine insurance, which can expand your homeowners policy to protect your investment.

Types of items to consider are jewelry, fine art, silverware, collections (like stamps and coins), golf equipment, computer equipment, and musical instruments.

Here are a few things to think about while we’re discussing the best homeowners policy for you and coverage of your personal items.

  • There are no limits on your property insurance for things like fire, weather damage, or damage due to civil unrest. However, there are limits for theft and loss, which should be considered for portable items of high value and theft or loss risk.  Scheduling items provide an “all risk” coverage that follows your property anywhere.
  • When there is a fire or natural disaster, your personal items are replaced at the cost and value of purchasing new items. Collectibles and antiques that have higher value than new items should be looked at for scheduling.
  • If there is a fire or natural disaster that damages your belongings, your standard home policy coverage will replace the items at the cost/value of new items. If you have collectibles and antiques that are valued at a higher cost than a new replacement, you’ll also want to consider scheduling these items separately on your homeowners insurance.

Hazard Insurance

With the 2020 flood in Mid-Michigan when a series of 4 dams broke, hazard insurance is at the top of minds.

Did You Know You Could Get a Refund – Just by Switching to a Better Policy?

You can switch insurers at any time, for any reason.  At Burkhart-Presidio, we aim to make that process easy and see if we can save you money and even get you a pro-rated refund!  We’re happy to speak with you and see if one of the insurance companies we work with has a better plan for you.

Contact us or give us a call to see what we can do for you!

If you decide to make a change, our agents will help you get all the required paperwork completed and make sure you are sent any refunds owed to you by your previous provider for insurance you have previously paid.

Ask us About Discounts!

Most of our insurance carriers offer multiple item discounts. Bundle and Save

Additionally you may qualify for other discounts, such as:

New roof discount

Senior discount

New home discount

Home security discount

And more!

The BP Difference

You’ll always know what’s covered and what’s not covered before you sign any policy. And, throughout the life of your policy, Burkhart Presidio will help ensure our Providers follow through on their commitments to you, our valued Customer.