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Serving Those Who Serve: Rathbun President Joins Mason Cares 9/11 Tribute And Helps Clean Fire Station

On September 11, Rathbun Insurance President, Laura Stoken, joined her fellow Rotary Club of Mason members to participate in the annual Mason Cares event. Each year, this community-wide effort brings people together to...

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Home Title Theft: What You Need to Know

Every so often, a headline pops up about someone “stealing” a home by forging the title. It sounds like something out of a movie - but it’s very real. Known as home title theft or deed fraud, this crime happens when...

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First-Time Homebuyer? Why Insurance and Maintenance Matter

Buying a home is an exciting and fraught endeavor. Getting caught up in a bidding war is easy when you want a home badly. Or maybe you're casting your net wide and would be happy to secure any house on your list. A...

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Celebrating 517 Hispanic Heritage Weekend with Our Community

Rathbun Insurance is proud to partner with Auto-Owners Insurance to sponsor the annual 517 Hispanic Heritage Weekend!https://www.517hispanicheritag... 517 Hispanic Heritage Weekend 📅 September 18 – 21, 2025 📍 Lansing’s...

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September Quote for a Cause: Supporting Small Talk Children’s Advocacy Center

At Rathbun Insurance, community is at the heart of everything we do. That’s why we are proud to continue our Quote for a Cause program this September in partnership with our friends at Auto-Owners Insurance. This month,...

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September Wellness Challenge: “Being There Matters Most” Puzzle

At Rathbun Insurance, wellness is about more than just health-it’s about balance. Each month, we take on a new wellness challenge designed to lift up physical, mental, and financial wellbeing. From sunscreen awareness...

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Life Insurance 101

Life insurance provides invaluable protection for your family in the event of your death. It ensures the ones you care about can continue to support themselves financially when you are gone. Yet a study by the Life...

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Kicking Off Another Year in the Insurance BFF Mentorship Program

We are thrilled to share that Rathbun Insurance is kicking off another year in the Insurance BFF Mentorship Program at the Wilson Talent Center! We’re fortunate to have such an incredible resource right here in the...

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Security for High-Profile Employees: Protection Tips and Insurance Needs

With recent attacks on executives and employees of high-profile organizations, leaders are looking for ways to protect workers, their families and the organizations themselves from devastating consequences. Solutions...

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What To Do If You're in a Hit-and-Run Accident

Someone rear-ends you as you’re exiting the freeway. Nervous and concerned about the damage to your vehicle, you pull to the side of the road only to watch the other driver speed away. What should you do? Being involved...

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Store It, Don’t Ignore It: Travel Trailer Tips for the Off-Season

It’s easy to be in denial about the end of summer. No one wants to say goodbye to long, warm days and relaxing vacations with family and friends. Maybe that’s why you’ve told yourself you don’t have to deal with your...

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Farewell to Our Intern, Sarah Bejleri!

Today we say goodbye to our summer intern, Sarah Bejleri, and what a memorable 12 weeks it has been! Sarah joined us through the Rathbun Insurance Intern Passport Program-a unique learning experience designed to provide...

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Rathbun Insurance Tees Off at the CAMC Golf Outing

Today, our CEO Ben Rathbun, Producer Darren Bardell, Scott Weaver, President and Co-Owner of the Douglas J Aveda Institutes and Salons and Grant Hendrickson, Partner and Benefits Consultant at Brogan are enjoying a...

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Help Us, Help You

We do our best work when your coverage reflects your real life. If something changes, big or small, loop us in. This isn’t an exhaustive list - just some common updates people often forget to tell us that keep you...

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IP Infringement Liability: How Businesses and Influencers Can Protect Themselves

Intellectual property (IP) infringement is costly for businesses, paid social media influencers and content creators. Recent lawsuits against high-profile brands for using copyrighted music in social media posts...

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How Accidents Impact Your Insurance Policy

Accidents, claims, tickets and violations can all cause your insurance rates to rise. Whether an accident causes a rate increase depends on the nature of the accident, the coverage you have, the insurer and the state...

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Cyber Bytes: Shadow Data and Its Cybersecurity Risks

According to Cybercrime Magazine, global data storage is expected to exceed 200 zettabytes in 2025. One zettabyte is equal to a billion terabytes or a trillion gigabytes. That’s a lot of data to secure. Inside the...

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Rathbun Insurance Joins MSU’s Summer Business Institute Family Reunion

Rathbun Insurance’s Ben Rathbun, Laura Stoken, and Ricardo Morales had the privilege of attending Michigan State University’s Summer Business Institute (SBI) Family Reunion Picnic. The event capped off a week-long...

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Insuring Your Youth Sports League

“But we have everyone sign a waiver ...” This is a common statement made by youth sports organizers when someone asks about the financial consequences of injury. However, did you know a parent-signed waiver or release...

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Yard Sales Are Surprisingly Risky, But Insurance Can Protect You

Who doesn’t love a good deal? Yard or garage sales aren't only a great way to purge items you no longer use, but they're also sustainable, giving those items a new home. Also, yard sales give you a chance to give your...

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How Does Your Credit Score Affect Your Insurance Premium?

Have you heard that your credit score can affect how much you pay for insurance? As a consumer, you probably know everyone has a credit score maintained by three major credit reporting agencies: Equifax, Experian and...

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Your Auto Insurance Renewal Is Just Around the Bend: Check Your Liability Risk

We don’t believe in a set-it-and-forget-it insurance model. Life changes, and so does your liability risk exposure. Use this checklist to understand risks that might apply to you. Then let’s connect about making changes...

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Supporting the Future of Insurance: Rathbun Insurance Partners with Gamma Iota Sigma at MSU

At Rathbun Insurance, we don’t just safeguard homes and businesses; we believe in 'Giving It Away to Keep It"; the transformative power of community and giving back. Our Quotes for a Cause campaign, which began in...

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Everyone Deserves Options: Rathbun Insurance Launches Multilingual Billboard Campaign in Lansing

We are incredibly proud to share that two brand-new Rathbun Insurance billboards have gone live right here in Lansing-one on the city’s north side and the other on the southwest side. These billboards are more than just...

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Putting for a Purpose – Join Us for the Harry Kost Memorial Putt Putt Scramble!

At Rathbun Insurance, community is at the heart of everything we do. That’s why we’re proud to support the Harry Kost Memorial Putt Putt Scramble, hosted by the Lansing Kiwanis Club, on Monday, August 11, at the...

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4 Water Damage Situations Standard Home Insurance Policies Won’t Cover

No one wants to come home to an overflowing toilet, a backed-up sewer line or a leaking ceiling. Water damage can cause homeowners as much money and anxiety as a fire, an earthquake or a hurricane. The Insurance...

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Does Auto Insurance Cover Custom Work?

Whether it’s tinted windows, lowered or lifted suspension, or an engine upgrade, auto customization is a popular trend for car enthusiasts. In the early days of car customization, upgrades included specialty hubcaps and...

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Celebrating 20 Years of Impact with NAAIA Detroit/Michigan

This past Saturday, Rathbun Insurance Producer and current Board Member of the Detroit Chapter of the National African American Insurance Association (NAAIA) Darren Bardell had the honor of attending a remarkable...

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Supporting Local Youth: Rotary Kids Day at the Ingham County Fair

Mason Rotary Kids Day was a lively and joyful highlight of this year’s Ingham County Fair, welcoming more than 40 children for an afternoon of classic games, friendly competition, and generous prizes. From watermelon...

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The Teamwork Machine: Building Better Teams with DiSC (and a Bit of Imagination!)

At Rathbun Insurance, we know that building strong teams isn’t just about skill-it’s also about understanding. That’s why we took some time during this morning’s monthly staff meeting to participate in a fun, small...

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You Let a Friend Drive the Boat. Are You Still Covered?

Picture this: You’re out on the lake, enjoying the sunshine and cool breeze. A friend offers to take the wheel while you grab a snack or check the engine. You hand over the helm without a second thought... then pause: ...

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Join Our Team: Rathbun Insurance is Hiring a Personal Lines Account Manager

Are you a passionate and results-driven professional with a commitment to delivering exceptional service? Do you thrive in a team-oriented environment that values integrity, success, and community? Join Rathbun...

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Q2 2025 Insurance Trends: What Business Owners Need To Know

Staying ahead of insurance premium trends is critical for managing business expenses. The Q2 2025 Ivans Index revealed shifts in commercial insurance rates. These could signal savings or challenges, depending on your...

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What to Expect From an Insurance Inspection: Proactive Protection for Your Home

At Rathbun Insurance, we believe the best way to keep your insurance rates low is to prevent claims before they happen. One way we help accomplish this is through routine insurance inspections- a proactive measure...

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Future Talent in Action: Accident Fund Interns and Cass Tech Grad Spend the Day at Rathbun

At Rathbun Insurance, we believe investing in the next generation is one of the most important ways we can live our values-and this year, we proudly continued that tradition by hosting our annual intern swap with ...

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Are Your Storage Unit Contents Covered?

According to SpareFoot Storage Beat, approximately 10.6% of Americans currently rent self-storage units. And economic analysts at IBISWorld report the storage unit business continues to experience growth. If you’re...

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Rathbun Insurance Now Appointed with Neptune Flood: Protect Your Home or Business from Unexpected Flood Damage

At Rathbun Insurance, we are always looking for ways to provide you with stronger, smarter protection. That’s why we’re excited to share that we are now officially appointed with Neptune Flood - the largest provider of...

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Don’t Skip Professional Liability Coverage: Protect Your Business and Personal Assets

Your business isn’t “just business.” It’s your livelihood. Safeguard it from expensive settlements and lawsuits. Professional liability insurance differs from general liability, which protects you from customer lawsuits...

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How Tariffs Can Impact Your Business and Ways Insurance Can Help

Businesses are more susceptible than ever to the complex dynamics triggered by tariffs and foreign policy changes. As political winds shift, unexpected turbulence can disrupt international trade patterns, shake supply...

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Important Auto Owners Customer Update- Michigan Homeowners: New Deductibles & Rate Revisions

At Rathbun Insurance, we value your trust in us as your insurance partner-and we’re committed to keeping you informed. If you currently have a Michigan Homeowners policy with Auto-Owners Insurance, please take a moment...

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Test Your Knowledge: Are You Liable for That?

Liability risks can lurk in the quirkiest places; understanding them is key to protecting yourself. Ready to test your knowledge on the overlooked exposures that could lead to lawsuits? Just don't peek at the answers...

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Condo Board Members, Your Liability Limits Might Be Too Low for Your Risk Exposure

The Champlain Towers condo building collapse in Surfside, Florida is a tragedy that will stay in people’s memories for years to come. Many groups are under scrutiny, including the construction companies, contractors,...

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Supporting Local Youth: Rathbun Insurance Proudly Sponsors the 13th Annual Mason High School Soccer Golf Outing

At Rathbun Insurance, supporting youth and community programs is at the heart of who we are-and that’s why we’re proud to sponsor the 13th Annual Mason High School Soccer - Golf Outing happening Friday, July 19, 2025....

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Visit the Rathbun Insurance Booth at ScrapFest 15 – Proudly Sponsored with Auto-Owners Insurance!

Mark your calendars! ScrapFest 15 is just around the corner, and we at Rathbun Insurance couldn’t be more excited to once again partner with Auto-Owners Insurance to sponsor and be present with a booth at this...

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July Quotes for a Cause: Celebrating and Preserving Culture with Casa de Rosado

Since September 2015, The Rathbun Agency has selected a different nonprofit each month as part of our Quotes for a Cause giving campaign. This initiative allows us to partner with incredible local organizations that are...

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Are You Taking Advantage of Auto Insurance Discounts?

You know how expensive auto insurance can be, especially if you have multiple family members on your policy. And insurance companies understand how important it is to make auto insurance more affordable. As a result,...

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Repairing Your House? Check Your Insurance First

Even small repairs can put you at risk. Whether it’s a do-it-yourself (DIY) project with a friend or you’re hiring a professional contractor, check your home insurance policy before you start any repairs. Get proof of...

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Cyber Bytes: What Is an MFA Fatigue Attack?

Multifactor authentication (MFA) is a cybersecurity technique that verifies your identity by requiring multiple credentials, like a security code sent to your phone. You might get an MFA notification when logging in to...

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Stop By Our Booth #126! Rathbun Insurance Joins West Bend Insurance in Supporting Lansing Pride 2025

At Rathbun Insurance, Being There Matters Most-and that means showing up proudly and intentionally for the communities we serve. We’re thrilled to partner with West Bend Insurance Company to support this year’s Lansing...

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When To File (or Not File) a Homeowners Claim

Home insurance premiums have been increasing, and obtaining coverage can be challenging in what's known as a "hard market." When extreme weather and catastrophic events put demands on the insurance industry, this...

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Rathbun Insurance Proudly Supports the YMCA of Metropolitan Lansing

At Rathbun Insurance, we believe in showing up for the places that shape our community-and there’s no better example of that than the YMCA of Metropolitan Lansing. That’s why we’re proud to support the Westside YMCA...

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Welcome Ricardo Morales to the Rathbun Insurance Team!

We are excited to officially welcome Ricardo Morales as our new Operations and Marketing Specialist at Rathbun Insurance! Ricardo joined our team on June 2 and brings with him a strong foundation in strategic...

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Rathbun Insurance Continues Office Hours at Allen Neighborhood Center This Summer

We’re excited to share that Rathbun Insurance will be continuing our office hours at Allen Neighborhood Center throughout the summer-offering in-person support every third Monday of the month during Breadbasket Food...

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Rathbun Insurance Proudly Supports Lansing's Juneteenth Celebration

At Rathbun Insurance, Being There Matters Most-and that includes supporting meaningful moments that celebrate history, culture, and progress. We are honored to support Lansing’s Juneteenth Celebration, hosted by the ...

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Rathbun Insurance Proudly Supports the 517 Juneteenth Weekend in Partnership with Auto-Owners Insurance

We are proud to partner with Auto-Owners Insurance to support this year’s 517 Juneteenth Celebration, hosted by the Ourspace Foundation. As one of the largest cultural festivals in the region, the 517 Juneteenth Weekend...

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Getting Auto Insurance With a Foreign Driver’s License

If you’re one of the millions of foreign nationals who visit the United States every year, you may want to drive while you’re here. International students, foreign visitors and non-U.S. residents are all permitted to...

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Trampolines and Other Attractive Dangers in Your Yard

In 1934, University of Iowa gymnast George Nissen and his coach, Larry Griswold, were searching for a way to help Nissen improve his gymnastics training. Working out of Nissen’s garage, the duo built a bouncing device...

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Renters Who Think They Don’t Need Insurance Are at Risk

Renters often overlook the value of their own property. They also may not realize that they could be held financially liable if another person is injured (or if that person's possessions are damaged) while at their...

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Rathbun Insurance Proud to Sponsor Lansing Pride Festival with West Bend Insurance Company

At Rathbun Insurance, Being There Matters Most-and that includes showing up for the communities we live and work in, especially when it comes to celebrating inclusion, love, and authenticity. We’re incredibly proud to...

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Rathbun Insurance is Proud to Support Lansing Shaped!

At Rathbun Insurance, we believe Being There Matters Most-and that includes being part of the art, storytelling, and community that make Lansing such a vibrant place to live and work. That’s why we’re thrilled to be one...

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Brunch, Running Shoes & Community Connections: Rathbun Insurance Joins bRUNch & Walk with League

This past weekend, Rathbun Insurance was proud to lace up and brunch up for a great cause! Our CEO, Ben Rathbun, and Producer, Heather Cooper Kim, represented the agency at the Junior League of Lansing’s annual bRUNch...

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Is Your Home Policy Ready for the Digital Age?

What would you do if someone called claiming to be your bank and told you your account had been hacked? That’s exactly what happened to one of our insureds. He got a call from someone claiming to be from his credit...

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What Insurance Should You Require from Your Tenants? A Guide for Commercial Property Owners

At Rathbun Insurance, we frequently work with commercial property owners who lease space to tenants. One common question we hear is, “What insurance should I require from my tenants?” If you're a landlord or property...

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Welcome, Sarah Bejleri, to the Rathbun Insurance Summer Internship Program!

We are thrilled to welcome Sarah Bejleri to Rathbun Insurance as our newest summer intern! Sarah will be joining us for the next 12 weeks as part of our Rathbun Insurance Intern Passport Program, a unique learning...

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Solitude Sheds and Other Structures: Does Your Homeowners Policy Cover Them?

If you’ve decided to build a solitude shed, let your insurance agent know. Sure, it might seem counterintuitive to tell others about your secret hideout. But the last thing you need is to spend your cash on a zen escape...

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Another Rathbun Team Member Joins Rotary – Continuing Our Commitment to Giving Back

At Rathbun Insurance, giving back to the community isn’t just a value-it’s who we are. That’s why we’re proud to share that another team member has officially joined the Rotary family! Our President, Laura Stoken, is...

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Considering a Build-to-Rent Home? You Still Need Insurance

As the cost of homeownership continues to climb, would-be homeowners are looking to rent their dream homes instead of buying them. Enter the build-to-rent (BTR) home. BTR communities look like traditional single-family...

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Cyber Bytes: Top Text Scams and Tips To Avoid Them

According to the Federal Trade Commission, Americans reported $470 million in text scam losses in 2024. That’s five times the amount reported in 2020. The FTC says text scams continue to rise, despite a drop in the...

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Decoding Policy Jargon: The Claims Process

Every insurance carrier has its own way of handling a claim. When you signed your policy, you received important information about it. That may have been a while ago, and not every situation merits a claim. If you’re...

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Rathbun Insurance is Proud to Sponsor and Celebrate at Cristo Rey Fiesta 2025!

Get ready, Lansing! One of the most anticipated celebrations of the year is almost here-and the Rathbun Insurance team is proud to be part of it. We’re excited to join with Auto Owners and sponsor this weekend’s Cristo...

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Rathbun Insurance Proudly Sponsors Junior League of Lansing’s BRUNch & Walk with League 5K

Get ready, Lansing! We’re lacing up our sneakers and working up an appetite for a great cause. Rathbun Insurance is a proud sponsor of the Junior League of Lansing’s BRUNch & Walk with League 5K fundraiser,...

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A Night to Remember: Our First Gathering in the New Space – Mural Reveal Party

This story begins the way many great ones do - with a simple idea and a meaningful phone call. Earlier this year, Rathbun Insurance CEO Ben Rathbun picked up the phone and called Dustin Hunt, founder of Muralmatics,...

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Welcome Kai Brewer to the Rathbun Insurance Team!

We are thrilled to welcome Kai Brewer as the newest member of our Rathbun Insurance team! Kai joins us as an Account Manager, bringing over four years of experience in the insurance industry from her previous roles with...

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Hazards in Your Home Storage Areas

Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all compressed together into one poorly...

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Menopause: It’s a Movement — Rathbun Insurance Continues to Join the Conversation

This week, Rathbun Insurance CEO Ben Rathbun and President Laura Stoken traveled to Battle Creek to attend the Michigan Women’s Commission’s statewide listening session, Menopause: It’s a Movement! The initiative...

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Do You Have an Emergency Evacuation Plan for Your Business?

If your business encountered an office fire, workplace violence, a chemical spill or extreme weather, would you be prepared? Would your employees know how to react? Would they be able to get to safety and help customers...

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Understanding the Rising Cost of Dog-Related Injury Claims: What Dog Owners Need to Know

At Rathbun Insurance, we’re committed to helping you protect what matters most-and for nearly half of all U.S. households, that includes beloved canine companions. But did you know that dog bites and other dog-related...

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Finding the Magic Within: Rathbun Insurance Supports CASA for Kids

Rathbun Insurance was proud to attend the 11th Annual Evening to Change a Child’s Story-an inspiring night hosted by CASA for Kids, Inc. of Barry, Eaton, and Ingham Counties. This year’s theme, “Find the Magic Within-...

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Rathbun Insurance Attends Communities In Schools Leadership in Education Dinner

Last night, our President Laura Stoken, Producer Heather Cooper-Kim, and Commercial Account Managers Paige Miller and Cheryl Grimes had the honor of attending the Communities In Schools of Michigan Leadership in...

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How Much Coverage Do I Need On My Umbrella?

When it comes to umbrella insurance, the number one question we get is: “How much coverage do I really need?” The answer? Enough to protect everything you’ve worked so hard to build. An umbrella policy kicks in when the...

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Grateful for Ele's Place: A True Community Partner

As many of you know, Rathbun Insurance has been working remotely for the past few months while our office is under construction. During this time, we've been fortunate enough to lean on the support of incredible...

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Rathbun Insurance Supports Champions of the Heart Foundation Gala

Last week, Heather Cooper-Kim, a producer at Rathbun Insurance, had the privilege of attending the 2nd Annual Champions of the Heart Foundation Fundraising Gala at the Breslin Center on April 24. The event was a truly...

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Investing in the Future: Rathbun Insurance at Hamady High School’s College & Career Fair

At Rathbun Insurance, we believe in the power of showing up-and that’s exactly what we did at Hamady High School’s College & Career Fair! Our very own producer, Darren Bardell, proudly represented Rathbun Insurance...

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Stop on by! Rathbun Insurance Renovation Complete

We are thrilled to share that Rathbun Insurance has officially completed our office renovation and we are back working from our original location at the corner of Saginaw and Pine - the very place we’ve proudly called...

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Being There for Our Neighbors: Supporting Allen Neighborhood Center’s Neighbors in Need Fund

At Rathbun Insurance, we believe in more than just protecting what matters - we believe in being there when it matters most. That’s why we’re proud to support Allen Neighborhood Center’s Neighbors in Need Fund, which...

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Mentorship in Action: Rathbun Visits Sexton High School

It’s Mentorship Day at J.W. Sexton High School, and Rathbun Insurance was proud to show up and share the power of possibility with the next generation. Our CEO, Ben Rathbun, and Commercial Account Manager, Emily Harte-...

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Do You Need Workers’ Comp for an Employee Overseas? Let’s Talk Foreign Voluntary Workers’ Comp.

In today’s remote-first world, it’s not uncommon to have a rockstar employee living and working halfway across the globe. But if you’ve got a U.S. employee working abroad - even if they’re doing the same job they’ve...

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Why “Storage Only” Auto Insurance Might Leave You Exposed in Michigan

In Michigan, it’s common for people to remove coverage from vehicles they aren’t using-especially in the winter. They’ll keep only comprehensive coverage (to protect against things like theft, vandalism, and weather...

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What Is Personal Injury Liability—and Do You Have It on Your Homeowners Policy?

Most people assume their homeowners insurance has them covered for liability. If someone slips on the driveway, breaks a bone, and sues? That’s typically included under standard liability coverage. But what if you’re...

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The Match Game: What Happens When You Can’t Match Your Roof or Siding After a Claim?

Picture this: a storm rolls through, damages part of your siding or roofing, and your homeowners insurance steps in to help cover the repairs. Great, right? But there’s a catch-what if the original materials aren’t made...

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Does Your Homeowners Insurance Cover Your Side Hustle? Probably Not.

From tax prep and tutoring to candle making and piano lessons, more and more people are running small businesses right out of their homes. But here's a question you might not have considered: what happens if something...

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Let’s Talk Diminishing Deductibles: A Small Perk That Can Pay Off Big

You know the sinking feeling that comes after a fender bender-right after you say, “I’m okay,” your next thought is usually, “Ugh, that deductible...” But what if that deductible was actually less than you expected? If...

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Auto-Owners At-Fault Accident Forgiveness

Let’s face it-accidents happen. Whether you spaced out at a red light or got a little too confident during a Michigan snowstorm, even careful drivers can have a slip-up behind the wheel. The good news? If you’re insured...

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Auto No-Fault vs. Standard Health Insurance – What’s Covered?

One of the significant changes brought by Michigan's no-fault reform is the option for drivers to select different medical benefit levels under their Personal Injury Protection (PIP) coverage. These choices can have...

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Investing in the Future: Rathbun Insurance at the NAAIA Detroit Scholarship Breakfast

At Rathbun Insurance, we firmly believe that if you are not investing in our youth, you are missing out on the future of innovation, inspiration, and leadership. That’s why we were so honored to attend the National...

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Should I Have an Umbrella Policy?

Should you have an umbrella policy? Yes. Now, more than ever, having an umbrella policy is critically important. But what is an umbrella policy? A personal umbrella policy is an additional liability policy that provides...

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Rathbun Insurance Attends Legacy of Cesar Chavez Luncheon

Today, Rathbun Insurance CEO Ben Rathbun and President Laura Stoken had the honor of attending the Legacy of Cesar Chavez Luncheon, held from 11:30 a.m. to 1:30 p.m. The event was a powerful gathering of community...

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Ben Rathbun Serves as Judge for The Hatching During 517 Entrepreneurship and Innovation Week

At Rathbun Insurance, Being There Matters Most - and this past week, our CEO Ben Rathbun showed exactly what that means by stepping up to support Lansing’s entrepreneurial spirit. Ben was honored to serve as a judge for...

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Rathbun Insurance Heads to Indy for the 36th Annual Rough Notes Agency of the Year Banquet!

Last week, our CEO Ben Rathbun and Producer Darren Bardell hit the road to Indianapolis for the 36th Annual The Rough Notes Company Agency of the Year Banquet - and what an inspiring trip it was! Back in September 2023,...

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Rathbun Insurance Proudly Supports the 2025 Leadership in Education Dinner with Communities In Schools of Michigan

At Rathbun Insurance, our mission of Being There Matters Most extends beyond protecting what matters-we believe in uplifting the people and organizations that shape our communities for the better. That’s why we are...

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Rathbun Insurance Welcomes Laura Stoken as President and Partner

We are thrilled to share a significant milestone in Rathbun Insurance history: effective April 1, 2025, Laura Stoken will become President and Partner of Rathbun Insurance. Laura joined our agency in 2023 as Chief...

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Celebrating David Finkbeiner: A Legacy of Leadership, Laughter, and Loyalty

We gathered as a team to celebrate the retirement of our President, David Finkbeiner, and to honor the incredible mark he’s left on Rathbun Insurance. David joined the agency in 2012 as a personal and commercial lines...

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We’re Getting Another Mural — This Time Created by Students!

At Rathbun Insurance, we are beyond pumped to share some truly exciting news-this Spring Break, we’re partnering with Muralmatics and Ready Set ASPIRE to bring a student-created mural to life inside our newly renovated...

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Honoring the Legacy of Rosie the Riveter at Michigan Rosie Day

Rathbun Insurance was proud to be represented by our Chief Operating Officer, Laura Stoken, at this year’s Michigan Rosie the Riveter Day celebration, held at the Capital Region International Airport in Lansing. The...

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Rathbun Insurance CEO Ben Rathbun Attends 2025 NAAIA Midwest Regional Forum in Chicago

At Rathbun Insurance, we believe in the power of leadership, education, and community engagement. That’s why our CEO, Ben Rathbun, traveled to Chicago yesterday to participate in the 2025 NAAIA Midwest Regional Forum-a...

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Breaking the Silence: Rathbun Insurance at The (M) Factor Screening

At Rathbun Insurance, we believe in supporting conversations that uplift and educate our community. That’s why our CEO, Ben Rathbun, and COO, Laura Stoken, were honored to attend The (M) Factor screening-an event that...

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Loss Assessment Coverage: A Must-Have for Condo Owners & HOA Members

If you own a condo or live in a community with a homeowners association (HOA), you probably know that the association carries its own insurance policy. But did you know that if the HOA suffers a major loss, you could be...

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Interior Matching Protection: Why Your Home Needs It

Your home is a reflection of your style, comfort, and hard work. But what happens when a covered loss damages part of your space-leaving you with mismatched flooring, cabinets, or countertops? Most standard homeowners...

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Why Service Line Coverage Is a Must-Have on Your Homeowners Policy

Most homeowners don’t think about the underground pipes and wires running from their house to the street-until something goes wrong. Water, sewer, gas, electrical, and internet lines are all critical to your home, but ...

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Why You Need Equipment Breakdown Coverage on Your Homeowners Policy

Your home is filled with essential systems and appliances-HVAC, water heaters, refrigerators, security systems, and more. But what happens when they suddenly fail due to mechanical or electrical breakdown? Most people...

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Inland Flood Coverage: Are You Protected?

Flooding isn’t just a coastal problem. Inland floods caused by heavy rain, snowmelt, or overflowing streams are on the rise, even in low-to-moderate risk areas. Unfortunately, standard homeowners, renters, and condo...

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Are You Covered? Why Your Liability Limits Matter

Most people focus on protecting their belongings when they buy home, renters, or condo insurance. But what about protecting your finances if you’re sued? Liability coverage is one of the most important parts of your...

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Are You Underinsured? How to Make Sure Your Renters or Condo Insurance Covers Your Belongings

When was the last time you thought about the value of everything you own? If a fire, theft, or water damage destroyed your personal belongings, would your renters or condo insurance cover the full cost to replace them?...

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Home Cyber Coverage: Protecting Your Digital Life

In today’s connected world, cyber threats aren’t just a business problem-they’re a household problem. From smart home devices and online banking to email and social media, your personal data is more vulnerable than ever....

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Don’t Settle for Less: Why You Need Replacement Cost Contents Coverage

If a fire, storm, or burglary damages your belongings, would your insurance cover the full cost to replace them? Many policyholders are surprised to learn that without Personal Property Replacement Cost Coverage, their...

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Why You Should Have Rental Car Coverage on Your Auto Insurance Policy in Michigan

Imagine this: You’re involved in an accident, and your car needs repairs. How will you get to work, pick up your kids, or run daily errands while your vehicle is in the shop? If you don’t have rental car coverage on...

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Protecting Your Identity: Why Identity Fraud Expense Coverage Belongs on Your Homeowners Policy

In today’s digital world, identity theft is a growing concern. Criminals can steal personal information to access bank accounts, open fraudulent credit cards, or even take out loans in your name. Unfortunately,...

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Hazards in Your Home Storage Areas

Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all compressed together into one poorly...

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Join Our Team: Rathbun Insurance is Hiring a Personal Lines Account Manager

Are you a passionate and results-driven professional with a commitment to delivering exceptional service? Do you thrive in a team-oriented environment that values integrity, success, and community? Join Rathbun...

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A Legacy: Honoring Gene Rathbun’s Impact on Rathbun Insurance

In the insurance world, policies and coverages may define our work, but it’s the people who define our purpose. At Rathbun Insurance, our guiding principle has always been "Being There Matters Most." Few embodied that...

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Welcoming Marcy Rzepka to the Rathbun Insurance Team

We are thrilled to announce that Marcy Rzepka is joining Rathbun Insurance as our newest Personal and Commercial Insurance Producer! Marcy brings with her a wealth of experience, having spent over 30 years in sales and...

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Tell Your Rathbun Account Manager Before Buying Backyard Chickens

Egg prices have skyrocketed, and with them, an increased interest in backyard chickens. But before you acquire a flock, consider your liability risks and insurance coverage. Liability - Keeping chickens can create...

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Worker's Compensation and Subcontractors

Why Are My Subcontractors Included in My Workers' Compensation Payroll? If you're a contractor in Michigan, you've probably faced an unexpected surprise when your workers' compensation (WC) audit includes payroll for...

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Cyber Bytes: Beware of IRS Tax Scams

A threatening notification from the IRS can be overwhelming. That’s why it’s a staple in the scammer’s toolkit. They want you to be scared and not take time to think. Common IRS tax scams - These often start with a call...

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Rathbun Insurance Inspires the Next Generation at JA Girls’ Dream Fair

As we close out February’s Insurance Careers Month, we’re proud to celebrate our continued commitment to empowering the next generation of professionals. Today, Producer Heather Cooper-Kim and Account Manager Kim Evans...

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Flipping for a Cause: Rathbun Insurance Supports Haven House’s Pancake Palooza!

This past weekend, Rathbun Insurance proudly showed up in support of Haven House’s Annual Pancake Palooza! As a Special Ingredient Sponsor, we were thrilled to help make this fun-filled event a success. Our President,...

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Reduce Risks Associated With Electric Vehicles

While the federal government and firefighting associations don’t collect data on the number of electric vehicle (EV) fires, there’s one thing all industry specialists seem to agree on: When an EV catches fire, it’s much...

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How To Read and Understand Your Auto Policy

If understanding your auto insurance policy is challenging, you’re not alone. Insurance is a contract, so it has a lot of legal language. But don’t let that scare you. Once you know where to find the information, you...

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4 Water Damage Situations Standard Home Insurance Policies Won’t Cover

No one wants to come home to an overflowing toilet, a backed-up sewer line or a leaking ceiling. Water damage can cause homeowners as much money and anxiety as a fire, an earthquake or a hurricane. The Insurance...

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What Is Negligence?

According to Cornell Law School, negligence is “a failure to behave with the level of care that someone of ordinary prudence would have exercised under the same circumstances.” This applies to professional services and...

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Rathbun Insurance Featured on 1320 WILS Morning Show

We’re excited to share that our very own Laura Stoken, COO of Rathbun Insurance, had the incredible opportunity to be a guest on 1320 WILS here in Lansing! Laura joined morning show host Mike Austin on Wednesday,...

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Kick-Start Your Career in Insurance: 2025 Summer Internship Opportunity at Rathbun Insurance!

Are you a dynamic, ambitious individual ready to dive into the world of insurance? Rathbun Insurance is excited to announce an exclusive opportunity for a 2025 Summer Intern! This is your chance to gain hands-on...

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Insurance Premiums Are Rising — Here's What You Need To Know

Sticker shock and revolving risk are the new normal. Extreme weather, cyberattacks, supply chain interruptions, worker shortages, wars and inflation keep hammering the insurance market. It’s like the classic “I Love...

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March Quotes for a Cause: Supporting The Stewards of Nature At-Risk Youth Program

At Rathbun Insurance, our mission goes beyond safeguarding homes and businesses-we are deeply committed to the well-being of our community. One of the ways we live out this commitment is through our Quotes for a Cause...

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Exploring History, Culture, and Community: Rathbun Insurance Visits the Nokomis Cultural Heritage Center

At Rathbun Insurance, we believe that being there matters most-not just in insurance but in understanding and connecting with the community we serve. This belief recently took us to The Nokomis Cultural Heritage Center...

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Supporting STEAM and Community: Rathbun Insurance at Waverly Robotics’ A Night Out

At Rathbun Insurance, we believe that Being There Matters Most-not just for our clients but for the community we call home. That’s why CEO Ben Rathbun and COO Laura Stoken were honored to attend A Night Out, a special...

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Buying a Local Business: What Are Your Insurance Issues?

Are you looking to buy another company? Folding its property, customers and employees into your organization is no small feat. Even if you plan to keep it as a subsidiary, you need to do full due diligence on the...

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National Fix a Leak Week: Finding Common Household Water Leaks

According to the U.S. Environmental Protection Agency (EPA), 10% of homes have leaks that waste 90 gallons or more per day. Nationwide, that amounts to nearly 1 trillion gallons of water wasted every year. The EPA’s...

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Celebrating David’s Legacy and Welcoming Laura as Our New Owner

At Rathbun Insurance, our legacy is built on strong leadership and a commitment to our community. Today, we celebrate a monumental transition in our agency’s history-honoring David’s remarkable career and contributions...

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Join Our Team: Rathbun Insurance is Hiring a Commercial Lines Producer!

Are you a driven, relationship-focused professional looking for an opportunity to grow your career in commercial insurance? Rathbun Insurance is excited to announce that we are hiring a Commercial Lines Producer to join...

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Rathbun Insurance Attends the 9th Annual Professional Development Dinner with the Native American Hispanic Business Student Organization

At Rathbun Insurance, we believe in the power of education, mentorship, and community engagement. Last night, we had the distinct honor of attending the Native American Hispanic Business Students’ (NAHBS) 9th Annual...

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Rathbun Insurance COO, Laura Stoken Joins Capital Area Michigan Works! Workforce Development Board

At Rathbun Insurance, we are thrilled to announce that our COO, Laura Stoken, has recently joined the Workforce Development Board of Capital Area Michigan Works! (CAMW). This opportunity aligns seamlessly with Laura’s...

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Waivers vs. Insurance: Understanding the Differences and Why Both Matter

When planning an event or activity, it’s common to wonder why you might need an insurance policy if participants have already signed liability waivers. After all, isn’t a waiver enough to protect you? While waivers are...

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HOA and COA Members: What Are Reserves and Why Do They Matter?

When homebuying, you’ll create a budget based on price, taxes and insurance. You’ll balance your budget against other expectations like home size, location and condition. You might find a home that’s part of a...

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Rathbun Insurance Proudly Supports the 40th Annual MLK Day of Celebration

Rathbun Insurance takes pride in supporting events and initiatives that unite our community and uphold values of equality, justice, and hope. This year, we were honored to contribute to the 40th Annual Dr. Martin Luther...

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Continuing Our Commitment to the Lansing Community at Allen Neighborhood Center

At Rathbun Insurance, we believe that “Being There Matters Most” isn’t just a tagline-it’s a promise to be present for the communities we serve. That’s why we’re excited to announce that we are continuing our office...

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HOA and COA Members: What Are Reserves and Why Do They Matter?

When homebuying, you’ll create a budget based on price, taxes and insurance. You’ll balance your budget against other expectations like home size, location and condition. You might find a home that’s part of a...

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9 Snowblower Safety Tips for Homeowners

When winter dumps inches or even feet of snow in your neighborhood, a snowblower can be a handy tool. While a snowblower can quickly clear your driveway and sidewalks, it can be dangerous if used improperly. Snowblowers...

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We Did It Again: Another Successful Partnership with Wilson Talent Center and Sweet Encounter Bakery!

At Rathbun Insurance, we are sooo proud to have done it again! Another year, another incredible real-life business experience for the talented students at Wilson Talent Center. This year, we partnered with our amazing...

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What Does an Insurance Claims Adjuster Do?

A claims adjuster determines how much your insurance company should pay you after you file a claim. A property and casualty adjuster investigates auto, business and home claims. They're also called an insurance adjuster....

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Fostering Connection and Growth: Rathbun Insurance Embraces DiSC Profiles

At Rathbun Insurance, we believe in building a workplace where every team member feels valued, understood, and empowered to be their best selves. As part of our dedication to building a workplace where team members can...

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What Does Fire Insurance Cover?

Home insurance policies cover several catastrophic risks, including fires and lightning. Most even cover wildfires. Yet you might wonder what to expect from your insurance company if your house is severely damaged, and...

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