ARTICLES FROM 2025

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 anymore? — That’s where undamaged siding or roofing coverage can make all the…

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 goes wrong? Will your homeowners insurance cover it? — The short answer: not by…

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 you’re insured with Auto-Owners, you may have access to one of our favorite…

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 with Auto-Owners and carry their At-Fault Accident Forgiveness coverage, your…

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 substantial consequences in the event of an accident. — As of July 1, 2020, drivers…

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 sued for something you said rather than something that happened on your property…

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 African American Insurance Association (NAAIA) Detroit Chapter's Scholarship…

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 coverage beyond the limits of your primary personal insurance policies.…

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 members, business owners, local elected officials, and organizations from across the…

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 The Hatching, a business pitch competition that helps local entrepreneurs…