Thursday, May 18, 2023
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...
Wednesday, April 26, 2023
When purchasing insurance, you may have noticed that insurance agents ask a lot of questions. This can often seem like an intrusive and time-consuming process, but it is actually a necessary part of the insurance...
Friday, April 21, 2023
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...
Friday, April 21, 2023
As a young adult, you may not be thinking about purchasing insurance, let alone an umbrella insurance policy. However, it's important to understand that accidents and unexpected events can happen at any time and it's...
Friday, April 21, 2023
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...
Monday, February 27, 2023
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...
Tuesday, February 21, 2023
In December 2022, there was a devastating fire at Knob Hill Apartments in Okemos where two buildings were a total loss. Many of our neighbors and friends who rented there lost all of their belongings and were left...
Thursday, October 13, 2022
Your college student child has moved into an apartment or your adult child has moved out “on their own” and you are all celebrating this next chapter of independence. A question we will often get is, does my kid need to...
Tuesday, May 31, 2022
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...
Tuesday, May 11, 2021
It's that time of the year when many people are thinking about working on home renovation projects. What a surprise after going to the hardware store when homeowners are finding lumber costs increasing significantly. We...
Monday, February 8, 2021
Did you know that after experiencing a homeowners loss, rebuilding your home to meet current codes may cost more than the replacement cost on your policy? What happens when your city decides to pass a new ordinance,...
Sunday, January 10, 2021
When it comes to homeowners’ policies, there are three different coverage forms available: basic, broad and special. But what are the differences? And how do these differences play out in real-world claims scenarios? It...
Sunday, December 13, 2020
Even in the midst of a global pandemic, more than 13 million Americans will travel this holiday season to spend the holiday with friends and family. To ensure a worry-free holiday, here are some convenient travel and...
Wednesday, August 19, 2020
For sixty four years, we have been proud to partner with the best insurance carriers that offer broad coverage and competitive pricing. We are very excited to announce that we have added Pioneer State Mutual to our...
Wednesday, July 22, 2020
With access to just about all the information you need online to make purchasing decisions, do you really need an insurance agent anymore? The thought of interacting in person with a local agent seems like an obsolete...
Monday, April 13, 2020
We have had several questions the last few weeks on how to reduce premiums during the mandatory stay-at-home order for both businesses and individuals. Most all carriers are making accommodations if you call their...
Wednesday, January 15, 2020
You can purchase personal articles coverage on your homeowners polices for cell phones. The price is typically less than purchasing the insurance directly through the provider, but the coverage is not as broad. There...
Friday, July 12, 2019
Yes. 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. Typically, the umbrella is...
Tuesday, May 21, 2019
One of the most common questions we get when insuring a piece of property is how we determine the insurable value. Oftentimes we present a home insurance proposal to an insured and they inquire as to why the dwelling...
Friday, February 8, 2019
With the extreme cold temperatures around Mid-Michigan the past few weeks, the risk of frozen pipes is more present than ever. As water freezes, it expands and puts pressure on pipes. When there’s too much pressure on...