What homeowners insurance typically covers
- Dwelling — the structure of your home, including attached garages and built-ins.
- Other structures — detached garages, sheds and fences.
- Personal property — furniture, clothing, electronics and other belongings.
- Loss of use — extra living costs if a covered loss forces you out of your home.
- Personal liability — if someone is hurt on your property or you accidentally damage someone else's property.
- Medical payments to others — small injury claims from guests, regardless of fault.
Michigan winters are hard on houses
Ice dams, frozen pipes, heavy snow loads and spring thaws cause many Saginaw County home claims. Sudden and accidental water damage, like a pipe that bursts, is often treated differently from damage caused by a slow leak or lack of maintenance. Sewer and drain backup usually requires an add-on endorsement. We'll show you where your policy stands so a February surprise doesn't become a financial one.
Flood is different. Standard homeowners policies typically exclude flood damage — including rising water from rivers and heavy rain. Learn more on our flood insurance page.
Older homes in Saginaw
Many Saginaw neighborhoods have beautiful older homes with plaster walls, original woodwork and older electrical, plumbing or roofing systems. Rebuilding those details can cost more than people expect. We'll talk through replacement cost, roof age and updates so your dwelling limit reflects what it would really take to rebuild.
Bundle your home and auto
Bundling homeowners and auto insurance with Farmers® can help you save and keeps your policies with one local agent and one point of contact. Ask us what multi-policy discounts you may qualify for.
We also insure
- Condos — see renters & condo insurance
- Landlord and rental properties
- Mobile and manufactured homes
- Seasonal and vacation homes — like that cabin up north
- Vacant homes — during a sale, renovation or estate transition
Saginaw homeowners insurance FAQs
Do I need homeowners insurance to close on a house?
Most mortgage lenders require proof of homeowners insurance before closing. Call us as soon as your offer is accepted so we can help you meet your lender's timeline.
Does homeowners insurance cover flooding?
Standard homeowners policies typically exclude flood damage. Separate flood insurance is available, and it usually has a waiting period before coverage begins.
Are frozen pipes covered?
Sudden and accidental water damage from a burst pipe is often covered, but damage from gradual leaks, neglect or failing to maintain heat may not be. Coverage depends on your policy terms.
Is sewer backup covered?
Usually not by default. Many insurers offer a water backup endorsement you can add — it's worth asking about if you have a finished basement.
How much dwelling coverage do I need?
Enough to rebuild your home at today's construction costs, which can be different from its market value or what you paid. We'll help you estimate it.
Can I bundle home and auto insurance?
Yes. Bundling can help you save and simplifies your coverage with one local agent.