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INSURANCE BLOG

5 Reasons To Have Umbrella Insurance for Those Really Rainy Days

Umbrella insurance is aptly named. Umbrella is liability coverage that steps in when a claim is excluded from coverage or your other liability limits have been maxed out. You might think your home and auto insurance policies are enough for the foreseeable future, but there may come a time when your…

What Is Electronic Equipment Insurance?

Though you may already have insurance for building contents under your commercial property policy, you may also need protection for your electronic equipment. This is especially important if you have many servers, computers, communication towers or other expensive electronic equipment. — There are…

What Is Equipment Breakdown Insurance?

Equipment breakdown insurance includes two primary coverages: — The cost to repair or replace equipment or machinery that malfunctions or breaks — Lost income and property damage resulting from the downed equipment — For example, if one of the freezers in a food warehouse or grocery store stops…

Proud to Support ScrapFest 2026—Another Year of Creativity, Community, and Collaboration

At Rathbun Insurance, we believe that Being There Matters Most, and one of our favorite ways to live out that vision is by supporting the incredible organizations and events that make our community stronger. — That's why we're proud to once again partner with Auto-Owners Insurance as a sponsor of…

Celebrating Community at the 2026 Lansing Pride Festival

Our team had an incredible time celebrating at the 2026 Lansing Pride Festival! — Rathbun Insurance CEO Ben Rathbun, Account Managers Allegra Cagigas and Martha Beuerle, and Commercial Account Executive Cheryl Grimes spent the day connecting with thousands of community members at our festival booth…

One Month to Go! Join Us as We Celebrate 70 Years of Being There

The countdown is on! — In just one month, Rathbun Insurance will celebrate an incredible milestone—our 70th Anniversary—and we couldn't imagine marking this occasion without the clients, friends, community partners, and neighbors who have been part of our journey. — Please mark your calendars and…

Celebrating Community at the 517 Juneteenth Festival

Rathbun Insurance was honored to join thousands of community members at the 517 Juneteenth Festival in REO Town as a proud Culture Series Sponsor in partnership with Auto-Owners Insurance. — President and Partner Laura Stoken and Account Manager Allegra Cagigas had the privilege of staffing the…

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 TransUnion. These firms compile information from financial institutions and…

Picking Up the Pieces After a House Fire

A house fire can be devastating. Even if you, your family and your pets manage to escape unharmed, the loss of precious mementos and possibly even your home itself can feel overwhelming. — Any one of us could be the victim of a fire. Would you know what to do if you experienced a fire? Piecing your…

Tailor Your Auto Policy To Suit Your Situation

Auto insurance can be complicated and expensive, but it's required almost everywhere in the U.S. — It's important to understand that a standard auto insurance policy covers only specific types of damage and liability. Your state's required coverage limits may not be enough to protect you if you're…