While standard Michigan policies cover structural damage from fire, wind, and theft, they frequently leave owners vulnerable to specific, high-cost disasters. Gillum highlights that flood damage is almost never included in baseline agreements, necessitating separate policies through the National Flood Insurance Program. Similarly, damage stemming from sump pump failures or sewer backups remains a common exclusion, requiring specific riders for full protection.

Beyond environmental hazards, the evaluation of personal assets often falls short. High-value items such as jewelry or artwork frequently exceed standard reimbursement limits, making additional endorsements vital. Furthermore, liability protections may prove insufficient during legal disputes or serious property injuries. Gillum advocates for an annual policy review to adjust coverage limits and incorporate umbrella policies, ensuring that detached structures and personal belongings are adequately accounted for against the state's specific weather-related risks.