---
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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[**15 Holiday Decorating Hazards To Avoid at Your Business** — Adding some holiday magic to your business? From accessibility to food safety, we’ve got you covered. Check out these 15 tips to keep your holiday decorations safe. — **1. Holiday tree fires:** Set up your tree(s) far from any heat sources, such as fireplaces, radiators or light fixtures. Use lights… — Nov 9, 2023](/blog/2023/15-holiday-decorating-hazards-to-avoid-at-your-business)

[**Demystifying Insurance Rates: How Carriers Set Premiums and the Role of Independent Insurance Agencies** — Insurance is an essential aspect of financial planning and risk management. It provides a safety net that helps individuals and businesses safeguard themselves against unforeseen events and unexpected expenses. However, have you ever wondered how insurance rates are determined? In this blog post,… — Nov 7, 2023](/blog/2023/demystifying-insurance-rates-how-carriers-set-premiums-and-the-role-of-independent-insurance-agencies)

[**Questions To Ask Your Home Owners Association Before You Buy** — Homeowners associations (HOAs) often include many amenities but also many restrictions. Make sure you know what you're getting into before you sign on the dotted line. — Nov 6, 2023](/blog/2023/questions-to-ask-your-home-owners-association-before-you-buy)

[**Fostering Community and Mentorship: Rathbun Insurance Guest Lectures at MSU** — At Rathbun Insurance, we go beyond the conventional realm of insurance coverage. We're dedicated to nurturing the next generation and giving back to our community. Today, our President, Ben Rathbun, and Producer, Heather Kim, had the honor of guest lecturing at Michigan State University's Public… — Oct 30, 2023](/blog/2023/fostering-community-and-mentorship-rathbun-insurance-guest-lectures-at-msu)

[**How To Avoid a Scary Homeowners Claim This Halloween: 13 precautions to make your home safe** — Trick-or-treaters aren’t the only spooky thing you may see on Halloween. You also need to watch out for hazards that could lead to a scary homeowners insurance claim. — Here are 13 precautions to make your home safe before little ghosts, witches, princesses and superheroes come calling. — **Create a…** — Oct 25, 2023](/blog/2023/how-to-avoid-a-scary-homeowners-claim-this-halloween-13-precautions-to-make-your-home-safe)

[**10 Reasons To Consider an Independent Insurance Agent** — We live in an app-enabled world. You can order groceries, hire a dog walker and book a vacation without leaving your home or speaking to a real person. It makes sense to think insurance is something you can do online, too. — And sure, there's an app for that. Many apps, in fact. But is it a good… — Oct 25, 2023](/blog/2023/10-reasons-to-consider-an-independent-insurance-agent)

[**Community Highlight - Child and Family Charities** — At Rathbun Insurance, our commitment to the community goes beyond just providing top-notch insurance services. We believe in supporting and uplifting the organizations that work tirelessly to make our community a better place. This year, we are proud to highlight Child and Family Charities for many… — Oct 17, 2023](/blog/2023/community-highlight-child-and-family-charities)

[**Quotes for a Cause: Salus Center** — 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 local non-profit organizations making a profound impact on our community. Each… — Oct 17, 2023](/blog/2023/quotes-for-a-cause-salus-center)

[**The Hard Insurance Market: Navigating Through Cost Sharing** — In the ever-evolving landscape of the insurance industry, we find ourselves in the midst of what experts refer to as a "hard market." This term is indicative of a phase where insurance companies — face increasing financial pressures, which prompts them to reevaluate their approach to risk… — Oct 17, 2023](/blog/2023/the-hard-insurance-market-navigating-through-cost-sharing)

[**Understanding Underwriting Decisions vs. Coverage Decisions** — At Rathbun Insurance, we understand that traversing the world of insurance can be complex and overwhelming. In this blog, we'll shed light on the crucial difference between underwriting decisions and coverage decisions. By the end of this article, you'll have a better grasp of these fundamental… — Oct 11, 2023](/blog/2023/understanding-underwriting-decisions-vs-coverage-decisions)

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**Request your insurance proposal online or contact our office to find out how we can help you find a policy that fits your needs.**

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