---
title: Insurance Blog | Rathbun Insurance in Lansing, Michigan
description: Read the Rathbun Insurance blog for local, interesting and up-to-date Michigan insurance news.
---

# INSURANCE BLOG

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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 anymore?** — That’s where **undamaged siding or roofing coverage** can make all the… — Apr 13, 2025](/blog/2025/the-match-game-what-happens-when-you-cant-match-your-roof-or-siding-after-a-claim)

[**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 goes wrong?** Will your homeowners insurance cover it? — The short answer: **not by…** — Apr 13, 2025](/blog/2025/does-your-homeowners-insurance-cover-your-side-hustle-maybe-but-not-always)

[**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 you’re insured with **Auto-Owners** , you may have access to one of our favorite… — Apr 13, 2025](/blog/2025/lets-talk-diminishing-deductibles-a-small-perk-that-can-pay-off-big)

[**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 with Auto-Owners and carry their _At-Fault Accident Forgiveness_ coverage, your… — Apr 13, 2025](/blog/2025/auto-owners-at-fault-accident-forgiveness)

[**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 sued for something you _said_ rather than something that _happened_ on your property… — Apr 13, 2025](/blog/2025/what-is-personal-injury-liability-and-do-you-have-it-on-your-homeowners-policy)

[**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 substantial consequences in the event of an accident. — As of July 1, 2020, drivers… — Apr 13, 2025](/blog/2025/auto-no-fault-vs-standard-health-insurance-whats-covered)

[**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 African American Insurance Association (NAAIA) Detroit Chapter's Scholarship…** — Apr 11, 2025](/blog/2025/investing-in-the-future-rathbun-insurance-at-the-naaia-detroit-scholarship-breakfast)

[**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 coverage beyond the limits of your primary personal insurance policies.… — Apr 10, 2025](/blog/2025/should-i-have-an-umbrella-policy)

[**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 members, business owners, local elected officials, and organizations from across the… — Apr 9, 2025](/blog/2025/rathbun-insurance-attends-legacy-of-cesar-chavez-luncheon)

[**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 **The Hatching** , a business pitch competition that helps local entrepreneurs… — Apr 7, 2025](/blog/2025/ben-rathbun-serves-as-judge-for-the-hatching-during-517-entrepreneurship-and-innovation-week)

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