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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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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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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Rising property insurance premiums in wind- and hail-prone areas have increased interest in wind deductible buyback (WDBB) insurance. Available as a stand-alone policy that complements primary property insurance, WDBB...

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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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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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Any large-scale loss of property is devastating. But if you've made an inventory of your personal belongings, it could make the process of recovery and filing an insurance claim much easier. You need an inventory to...

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Fall is here, and for many of us, that means one thing: football season! From cheering on your favorite team to tossing around the pigskin in the backyard, there’s no better way to enjoy the season than gathering with...

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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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Halloween is fun for kids and grown-ups alike. But it's also full of scary (and dangerous) traps for the unwary. Watch out for these common hazards: Candles: Use glow sticks or battery-operated lights rather than...

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Having a current and properly executed will is an important part of estate planning. That having been said, wills need to go through the probate process, which can be time-consuming. But assets with named beneficiaries...

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At Rathbun Insurance, we understand that accidents can happen in the blink of an eye. The truth is, even the most careful among us can fall victim to unexpected mishaps that lead to significant damage or loss. This year...

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We're always on your side - Our job is to look out for you and what's most important to you. We take time to explain the policy details so you know what to expect from your insurance and us. We help homeowners at every...

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The clock is ticking. At the start of 2025, many businesses will be required to follow new cybersecurity reporting requirements under the Cyber Incident Reporting for Critical Infrastructure Act (CIRCIA). These...

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Just because your recreational vehicle (RV) travels the same roads as cars doesn’t mean you should share the same insurance coverage. At a minimum, every state requires the same amount of liability coverage for an RV as...

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Imagine driving your daily route, minding your own business. A truck suddenly hits you from behind, totals your car, and leaves you with medical issues and lost wages. Car accidents can be incredibly upsetting and often...

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The average cost of a wedding in the U.S. is $30,000, with venues being the highest-ticket item in the spending breakdown. Venues are also the biggest reason for claims made on wedding insurance policies, according to...

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It’s no fun being on the receiving end of an insurance claim denial. But you can do a few things to help prevent or appeal a claim denial. Know who you're talking to - Make sure you understand the difference between an...

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In the realm of insurance, the term "claim" holds significant weight. It's a process that can be both complex and pivotal for policyholders. At Rathbun Insurance, we understand the importance of clarity and guidance...

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At Rathbun Insurance, we believe in more than just providing insurance coverage; we are dedicated to empowering individuals with knowledge to make informed decisions about their insurance needs. That's why we're excited...

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The forecast calls for a chance of thunderstorms. That may not require you to cancel your outdoor plans, but take the threat of lightning seriously. Your odds of being struck by lightning are better than you think. In...

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When purchasing or renewing a homeowners policy, it's important to select the right coverage limit. This is the maximum amount the insurance company will pay for a particular claim. There are many factors to consider...

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Welcome to our Renters Insurance Refresher! Whether you're a seasoned renter or a first-time tenant, it's essential to ensure that your belongings are adequately protected. One key aspect of safeguarding your...

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Snowmobiling can be an exhilarating but risky winter sport. Today’s high-powered machines can weigh as much as 600 pounds, reach speeds as high as 200 miles per hour and cost well over $10,000. Property damage and...

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An ice dam is a thick ridge of ice that forms at the edge of a roof. It prevents melting snow from draining off, forcing the melted water to seep underneath shingles. The water can leak into your home, damaging...

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It’s that time of year again: cold snap season. Plumbing systems can freeze when temperatures take a sudden nosedive past the freezing mark, or 32 F. And when water freezes and expands within a pipe, the pipe can burst....

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In the dynamic landscape of the insurance industry, we currently find ourselves amidst what experts term a "hard market." This phase challenges insurance companies to reevaluate their strategies in the face of mounting...

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Looking to change your auto insurance, cover your home for damage or get liability insurance? An independent insurance agent can help you with all of these needs. What makes independent agents different from “captive”...

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Driving in snow and ice requires quick reflexes, patience and know-how. If you can’t avoid driving in wintry conditions, make sure you and your vehicle are ready for the challenge. Also, try to time your trip so you...

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Candles are responsible for an estimated 7,400 residential fires yearly, an average of 20 home fires daily. Fires caused by candles resulted in 90 deaths and $291 million in direct property damage nationwide, according...

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If your home is damaged by a fire, a flood or another disaster, you may be relieved to know it wasn't completely destroyed. But it's important to understand how your insurance coverage works. You may still be required...

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Many factors affect your home insurance rates. Some have to do with the age, location and structure of your home. Others have to do with local crime rates, school districts and weather hazards. But there’s one factor...

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Recreational drones, sometimes called unmanned aerial vehicles (UAVs), are growing in popularity. The Federal Aviation Administration (FAA) reports that more than 506,635 drones have been registered for recreational use....

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In the ever-evolving landscape of the digital world, cybercrime is projected to cost the global economy a staggering $8 trillion in 2023, as reported by Cybersecurity Ventures. At Rathbun Insurance, we understand the...

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In the intricate landscape of insurance, the choice between claims-made and occurrence policies can significantly impact how coverage is triggered and claims are handled. Understanding the nuances of these policies is...

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In the realm of financial planning, insurance serves as a safety net that shields individuals, families, and business from unexpected and potentially devastating losses. Whether it’s health, life, auto, liability, or...

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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...

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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.

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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,...

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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....

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Do you have a vacation cabin or another property that you use during the summer but leave empty during the winter? If so, you need to winterize your getaway so you don’t find a mess when spring arrives. Winterizing may...

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Commercial insurance rates are increasing on nearly every line of coverage, thanks to a rise in the frequency and severity of claims. And business owners are noticing significant premium hikes at policy renewal time....

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In today's digital age, where businesses heavily rely on technology, the threat of cyberattacks looms larger than ever before. While companies have been diligently investing in cybersecurity measures to safeguard their...

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September is National Preparedness Month, and it's the perfect time to ensure you're ready for unexpected disasters. The Michigan Department of Insurance and Financial Services (DIFS) is emphasizing the importance of...

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Insurance is a valuable safety net that helps protect us from unexpected financial burdens in times of crisis. Whether it's for your home, car, or health, insurance provides peace of mind. However, it's essential to...

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Strong winds and lighting have wreaked havoc on Mid-Michigan this evening, leaving behind damage and power outages. If you're one of the unfortunate individuals who have experienced storm-related damage in mid-Michigan,...

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In a groundbreaking decision, the Michigan Supreme Court delivered a landmark ruling that promises to reshape the terrain of premises liability cases. The ruling, arising from the consolidated cases of Kandil-Elsayed v....

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Cyber liability insurance won’t prevent a hack, but it will help you recover from one. There are two main types: First-party coverage, which responds to losses resulting from cyberattacks on your business network Third-...

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Today, we bring you an important update regarding the 2019 No-Fault law in Michigan. The long-awaited decision from the Michigan Supreme Court has been released, and it directly impacts the reimbursement limits for...

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As your trusted independent agency in Lansing, MI, we are committed to ensuring your safety and protecting your property. With a severe thunderstorm watch in effect, there is a possibility of a hail storm heading our...

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When it comes to homeowners insurance, most people are aware of the standard coverages like property damage and liability protection. However, there is one aspect that often goes unnoticed but holds significant value: ...

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As an insurance producer, it's important to educate clients about the different perils that can affect their homes and the coverage options available to protect them. Understanding the differences between H03 and H05...

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As you navigate the world of insurance, you may encounter different types of agents. Two common types are independent agents and exclusive or captive agents. While both types of agents can provide you with insurance...

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Moving out of your parents' house is a significant milestone and we understand how exciting it can be to finally have your own space and independence. With this newfound freedom comes new responsibilities, one of which...

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We just wanted to take a moment to say congratulations on your recent marriage! We hope your wedding day was filled with love, joy, and memories that will last a lifetime. As you start your new life together, we know...

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As online shopping has become increasingly popular, the demand for delivery drivers has risen. Many people have taken on this role to earn extra income or even as a full-time job. However, what many people don't realize...

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When we considered adding Milo and Ash as our family pets, the thought of them potentially biting or injuring someone did not cross our minds. We couldn’t wait to snuggle them and watch them flourish as new members of...

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As trusted insurance advisors, we are commonly faced with the question “What do I need to protect myself from?” When referring to automobile insurance, the reality is who you insure yourself against is equally important...

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A mini tort claim is like a small civil suit that you file against an at-fault driver. It is important to note that a mini tort claim is filed with the other drivers insurance company. We as your agent can provide you...

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Within the last few months, we have had a rash of claims related to the theft of catalytic converters. Especially in downtown Lansing, these incidents appear to be getting more and more common. But why are they getting...

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A mini tort claim is like a small civil suit that you file against an at-fault driver. As a courtesy to our customers, The Rathbun Agency files mini tort claims with other insurance carriers. At this time, the maximum...

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