Your home is as unique as you are.  That is why every homeowner’s policy that we write is as unique as the home and the individuals it protects.  All policies can be customized to best fit your needs, just give us a call to speak to one of our agents.

Homeowners, Condominium, Renters, Rental, Flood, Farm, Recreation Vehicles, Boats/Yachts, Valuable Personal Property, Theft Identity, Personal Umbrella

Homeowner Coverage

Your policy will provide you with protection for your home, garage, out buildings and your personal property against direct physical loss not specifically excluded on the policy.   Coverage also is available for additional expenses you may incur for being temporally displaced while repairs are being made after a loss.  Coverage includes personal property, personal liability, and medical payments to others.

Condominium Unit Coverage

If you are a condominium unit owner, we can offer you protection for your personal property, personal liability, medical payments to others, and in some instances structural coverage.

Renters Insurance

This policy provides coverage of individuals who are renting an apartment, duplex, etc.  Coverage includes personal property, personal liability, and medical payments to others.

Rental Insurance

This policy provides coverage to the owner of the building that is being rented.  The policy covers the building, rental income protection and landlord liability.

Flood Insurance

Some homeowners are required to purchase flood insurance if their home is located in a flood plain.  Coverage is provided for direct physical loss by or from a flood to your home and personal property.

Farm Insurance

Farm policies cover your residence, personal property, barns & outbuildings, farm personal property, and personal and farm liability.

Recreational Vehicles

We can cover your ATV’s, snowmobiles and personal watercraft. With some companies, these can be added right on to your homeowners policy.  Coverage provides for physical damage, liability and in some cases medical payments.

Boats/Yachts

Property coverage including boat, motor, trailer, safety and lifesaving equipment, towing coverage for recovery of a stranded boat, comprehensive liability and optional coverage for uninsured boater coverage.  With some companies, these can be added right on to your homeowners policy.

Valuable Personal Property

By scheduling valued personal property such as furs, jewelry, silver, fine art, etc., you will have coverage against loss with no deductible.

Identity Theft

If your identity is stolen, this coverage will reimburse you for preparation of documents, loan re-application fees, lost earnings as a result of time off from work and reasonable attorney fees.  With some companies, this coverage can be added to your homeowners policy.

Personal Umbrella

A Personal Umbrella is extra liability coverage that sits on top of your other liability insurance policies such as homeowners, auto or boat policies.  If coverage on your primary policy is not enough, then the umbrella policy kicks in and covers the excess.

Bailey Insurance Agency
512 W. Buttles • Midland, MI 48640
(989) 631-3511 • (800) 257-7055