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Rathbun Insurance Blog

All You Ever Wanted to Know About Insurance

Celebrating Our Account Managers on Administrative Professionals Day: A Tradition of Appreciation

At Rathbun Insurance, we believe in celebrating our team members who work tirelessly behind the scenes to keep our operations running smoothly and our clients well-served. Today, on Administrative Professionals Day, we...

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Celebrating Education and Hope: Rathbun Insurance Supports The Gregory Hurst Memorial Scholarship

At Rathbun Insurance, we cherish opportunities to uplift and empower our community, especially when it involves supporting education and fostering hope for future generations. We are thrilled to share that our CEO, Ben...

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Community Highlight - NAAIA Scholarship Breakfast + Midwest Regional Forum

This month, we are proud to sponsor the National African-American Insurance Association (NAAIA) Detroit/Michigan 2024 Scholarship Breakfast. As members of NAAIA (National African-American Insurance Association) since...

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Before You Give Up on an Insurance Claim

It’s no fun being on the receiving end of an insurance claim denial. But you can do a few things to help prevent or appeal a claim denial. Know who you're talking to - Make sure you understand the difference between an...

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Rathbun Insurance Supports Junior Achievement Girls' Dream Fair: Empowering Tomorrow's STEM Leaders

We are excited to share a remarkable experience that Rathbun Insurance was honored to be a part of recently. Last Friday, April 19, our team joined forces with Junior Achievement (JA) of Mid-Michigan at the Girls' Dream...

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Rappelling for a Cause: Rathbun Insurance CEO Goes Over The Edge!

Exciting news is abseiling down the Boji Tower in downtown Lansing! Who's the daredevil behind this thrilling stunt? None other than our very own CEO, Ben Rathbun! But this isn't just a wild adventure-it's a wonderful...

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Community Highlight: Celebrating Cristo Rey Fiesta 2024

This month, we're thrilled to shine a spotlight on a vibrant and meaningful event in our community-the Cristo Rey Fiesta. This annual celebration not only brings joy and festivity to Lansing but also serves as a crucial...

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Renters Insurance Refresher

Renters Insurance Refresher - Inventory your belongings:Take pictures or videos of your belongings (like furniture, clothes, recreational toys, electronics and jewelry). Copy receipts, and serial and model numbers....

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Do You Need Insurance for Your Utility Trailer?

Drivers are required to carry personal liability auto insurance in Michigan. This covers your financial responsibility if you injure someone or damage their property while operating your vehicle. But what if the...

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Why Contractors Need Professional Liability Insurance

In the past, contractors didn’t need to be concerned about professional liability insurance. It was traditionally carried by architects, engineers and other design professionals for errors and omissions. But these days,...

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Distracted Driving: Don't Take the Risk

Did you know that if you’re driving and talking on your mobile device, you are over four times more likely to be involved in an accident? Let’s look at what constitutes distracted driving, what the consequences are and...

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How to Adjust Your Auto Insurance Policy When Your Car Isn't Running

At Rathbun Insurance, we understand that life can throw unexpected curveballs, and sometimes your vehicle may end up out of commission. Whether it's due to mechanical issues, repairs, or any other reason that renders...

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A Claim is a Claim: Navigating Insurance Claims with Rathbun Insurance

In the realm of insurance, the term "claim" holds significant weight. It's a process that can be both complex and pivotal for policyholders. At Rathbun Insurance, we understand the importance of clarity and guidance...

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Rathbun Insurance Partners with Auto-Owners to Sponsor ScrapFest: Celebrating Art and Sustainability

At Rathbun Insurance, we believe in more than just providing excellent coverage for our clients. We're committed to giving back to our community and supporting initiatives that align with our values. That's why we are...

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Honoring Rosie the Riveters: Rathbun Insurance Team Joins the Celebration

At Rathbun Insurance, we pride ourselves not only on our commitment to providing exceptional insurance services but also on our dedication to our community and the acknowledgment of significant historical events. It is...

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Hackers Target Personal Accounts — Personal Cyber Insurance Can Help

Individuals face multiple financial and reputational threats from cybersecurity failures and cybercrime. While you may get some financial help from the company that leaked your data, much of the losses you face from...

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Nurturing Tomorrow's Leaders: Rathbun Insurance at Insuring MI Future Educational Summit

In the world of insurance, fostering the next generation of talent is crucial for sustained growth and innovation. At Rathbun Insurance, we understand the importance of nurturing young professionals, which is why we...

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Conclusion of Ben's Lansing Rotary Chair of the Month Term: Advancing Gun Violence Reduction Initiatives in Lansing

As Ben's tenure as Chair of the Month responsibilities at Lansing Rotary comes to an end; the month's final session featured Erica Lynn (Board Vice-Chair) and Michael Lynn Jr. (Board Chair) These dynamic individuals...

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Lansing Rotary Celebrating Success: Elderly Instruments Named America’s Top Small Business

Ben Rathbun, CEO of Rathbun Insurance was proud of another week as Chair of the Month at the Rotary Club of Lansing. On Friday, March 8, the meeting was graced by a special presentation from, Lillian Werbin. Lillian...

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Empowering Individuals: Introducing the "Road to Standard Auto Insurance Market" Guide

At Rathbun Insurance, we believe in more than just providing insurance coverage; we are dedicated to empowering individuals with knowledge to make informed decisions about their insurance needs. That's why we're excited...

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What Are Some Common Exclusions on Homeowners Insurance?

Standard homeowners policies cover damage or destruction of your home and its contents. They also offer personal liability coverage to protect you financially if someone is injured or their possessions are damaged or...

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A Stinky Situation: You're Probably Not Covered for Sewage Backups

Unlike flooding caused by a storm, sewage backup is caused by the obstruction or malfunction of pipes in your home. A standard homeowners policy normally doesn’t have sewage backup insurance unless you’ve asked to add...

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What You Need To Know About Water Damage and Homeowners Insurance

Water damage can be devastating, costly and destructive to your home. The causes of water damage range from weather-related flooding to overflowing toilets. The statistics related to water damage are daunting. According...

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Your Homeowners Policy and Roof Damage

The idea of having “a roof over your head” is comforting precisely because roofs are so important. And you may feel reassured that your homeowners insurance policy will cover you in the event your roof is damaged due to...

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What Is Flood Insurance?

Flood insurance is a type of home or business insurance that covers flooding, which is not covered by standard home or commercial insurance. It can be written to cover buildings and contents and it's designed for owners...

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Stay Safe During a Lightning Storm

The forecast calls for a chance of thunderstorms. That may not require you to cancel your outdoor plans, but take the threat of lightning seriously. Your odds of being struck by lightning are better than you think. In...

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PASS the Fire Extinguisher: What you should know

A fire extinguisher is a very effective tool for putting out a fire that is just getting started. Knowing how to properly use an extinguisher reduces the risk of a larger fire developing and destroying your workplace or...

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Empowering Dreams: Rathbun Insurance's Commitment to Community and STEM Education

At Rathbun Insurance, our dedication to community empowerment extends far beyond our role in providing insurance services. We recognize the pivotal role women play in shaping the future of our society, and we are proud...

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March Quotes for a Cause: Join Rathbun staff at the Child Benefit Fund's Hippity Hop 5K and Easter Egg Hunt

At Rathbun Insurance, we don't just believe in safeguarding homes and businesses; we believe in the power of community and giving back. Since September 2015, our Quotes for a Cause campaign has been the heartbeat of our...

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11 Facts You Should Know About Renters Insurance

Many people rent homes at some point in their lives, from college students in their first off-campus apartments to retired couples who are downsizing. If you’re a new renter, you might not be clear on what renters...

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Marching Forward with Rotary: Lessons from this Month's Speaker Series

March is in full swing, and at the Lansing Rotary, the air is buzzing with excitement as Ben Rathbun, CEO of Rathbun Insurance and a longstanding Rotary member, takes the stage as this month's Speaker Chair. The Lansing...

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Cyber Bytes: Criminals Target Real Estate Industry for Wire Transfer Fraud

The real estate industry is a rising target for wire transfer fraud. In 2022, there were nearly 2,300 real estate scams, according to the wire fraud recovery and prevention software company CertifID. That represents a...

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Rathbun Insurance: Volunteering for a Night of Etiquette and Insight at Lansing Community College

Last night, Ben Rathbun, Chief Executive Officer of Rathbun Insurance volunteered at Lansing Community College's Gamma Lota Sigma's presentation of an Etiquette Dinner. The evening was filled with valuable insights,...

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Trends and Tips: Insuring Your Commercial Property During a Vacancy

Commercial property owners are struggling to balance a positive bottom line as tenant vacancies and insurance premiums increase. According to Moody’s Analytics’ Q4 2023 Preliminary Trend Announcement, commercial real...

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Empowering Future Leaders: Rathbun Insurance Engages with Lansing School District Students in Business and Risk Management Class

In an inspiring session on February 22, 2024, Rathbun Insurance, took a step forward in shaping the future of budding talents. Ben Rathbun, the dynamic CEO of Rathbun Insurance, and Kenwon Simpson, an accomplished...

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Why Is My Home Insurance So Much More Than My Friends?

Why is my friends home insurance so much less expensive than mine? We live in similar neighborhoods and our homes are about the same size! We get this question all the time and thought it would be beneficial to review a...

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Quotes for a Cause - Okemos Archery program

At Rathbun Insurance, we believe in the power of community and giving back. Since September 2015, we have been running our Quotes for a Cause giving campaign, a heartfelt initiative that allows us to collaborate with...

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After an Auto Accident!

Auto accidents are always unexpected and always stressful. This guide can help make the moments after an accident less traumatic - and the insurance claims process a whole lot smoother.

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Sewer Backup Coverage for Homeowners

Don't let sewer backups catch you off guard! Rathbun Insurance is here to shed light on the importance of sewer backup coverage. Did you know that sewer backups can lead to catastrophic and expensive damage to your...

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Job Posting: 2024 Summer Internship

Are you a dynamic and ambitious individual seeking a hands-on internship experience in the insurance industry? Look no further! Rathbun Insurance is excited to announce an opening for a Summer Intern to join our team....

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Navigating the Road of Adding an Inexperienced Driver to Your Policy: Rathbun Insurance Has You Covered

Adding an inexperienced or new driver to your insurance policy can be a daunting task for any guardian. The concerns about safety, potential accidents, and the impact on premiums can be overwhelming. However, Rathbun...

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This January, Rathbun Insurance Quotes for a Cause Campaign supports The Equalizer Project

At Rathbun Insurance, we believe in the power of community and giving back. Since September 2015, we have been running our Quotes for a Cause giving campaign, a heartfelt initiative that allows us to collaborate with...

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February is Insurance Careers Month: Unlocking Success in P&C Insurance Careers through Professional Designations

In the world of Property and Casualty (P&C) insurance, professionals continually strive to enhance their expertise and stand out in the industry. One proven way to achieve this is by earning professional...

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Navigating the Future: Rathbun Insurance's Journey of Transformation

We are beyond thrilled to unveil the culmination of a year-long journey, a transformative process that has inspired Rathbun Insurance. Guided by the Small Business Development Center's Focus Four curriculum, and fueled...

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Empowering Futures: Rathbun Insurance's Inspiring Mentorship Day at J.W. Sexton High School

Today, Rathbun Insurance continued its commitment to fostering mentorship and empowering young minds. Our CEO, Ben Rathbun, joined producer Heather Kim and Account Manager Kim Evans for an enriching experience at J.W....

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How To Pick Your Homeowners Insurance Coverage Limits

When purchasing or renewing a homeowners policy, it's important to select the right coverage limit. This is the maximum amount the insurance company will pay for a particular claim. There are many factors to consider...

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Renters Insurance Refresher

Welcome to our Renters Insurance Refresher! Whether you're a seasoned renter or a first-time tenant, it's essential to ensure that your belongings are adequately protected. One key aspect of safeguarding your...

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Snowmobile Insurance for Winter Enthusiasts

Snowmobiling can be an exhilarating but risky winter sport. Today’s high-powered machines can weigh as much as 600 pounds, reach speeds as high as 200 miles per hour and cost well over $10,000. Property damage and...

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Safeguard Against Ice Dams

An ice dam is a thick ridge of ice that forms at the edge of a roof. It prevents melting snow from draining off, forcing the melted water to seep underneath shingles. The water can leak into your home, damaging...

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A Day of Learning and Collaboration: Rathbun Insurance Hosts Wilson Talent Center Students

At Rathbun Insurance, we aim to live out our value of 'Give It Away To Keep It' by investing in the future, and what better way to do so than by providing hands-on experiences for students eager to explore the world of...

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Prevent Freezing Pipes in Extreme Cold

It’s that time of year again: cold snap season. Plumbing systems can freeze when temperatures take a sudden nosedive past the freezing mark, or 32 F. And when water freezes and expands within a pipe, the pipe can burst....

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VIDEO: Understanding the Hard Insurance Market and Cost Sharing

In the dynamic landscape of the insurance industry, we currently find ourselves amidst what experts term a "hard market." This phase challenges insurance companies to reevaluate their strategies in the face of mounting...

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What can an Independent Insurance Agent do for you?

Looking to change your auto insurance, cover your home for damage or get liability insurance? An independent insurance agent can help you with all of these needs. What makes independent agents different from “captive”...

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15 Tips for Driving in Snow and Ice

Driving in snow and ice requires quick reflexes, patience and know-how. If you can’t avoid driving in wintry conditions, make sure you and your vehicle are ready for the challenge. Also, try to time your trip so you...

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Community Highlight - For Good Foundation Gala

At Rathbun Insurance, we understand the power of community and the pivotal role women play in shaping its future. Our commitment to fostering leadership and supporting community initiatives goes beyond insurance...

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6 Tips To Safely Enjoy Candles in Your Home

Candles are responsible for an estimated 7,400 residential fires yearly, an average of 20 home fires daily. Fires caused by candles resulted in 90 deaths and $291 million in direct property damage nationwide, according...

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