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All You Ever Wanted to Know About Insurance

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Are You Covered if Personal Items Are Stolen From Your Vehicle?

A vehicle break-in can happen when you least expect it, even in your own neighborhood. Approaching your car and seeing shattered glass from a broken window is unsettling and scary. You’re left dealing with vehicle...

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Call Us Before You Hit the Road in Your Motorhome or RV

You may have home insurance, and auto insurance, but is your motorhome properly covered? Let's make sure you have the right protections in place before you set off on that epic road trip. Liability insurance? It’s the...

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Graduation Party and Wedding Season is Upon Us: Are You Liable for Your Rented Portable Toilets?

No matter where you go, people need to go. You may need to rent portable toilets and sanitation stations for things like: Weddings and parties Commercial events Residential events Workplace events Fundraisers Disaster...

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Purchasing a Mobile Home? Here's What You Need To Know About Insuring It

Insuring a mobile home is different than insuring a traditional one. To get a quote, you’ll be asked a number of questions about your mobile home. The age of the home is one such question and an important consideration....

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Cyber Bytes: The “Hello, Can You Hear Me?” Scam

Fraudsters superpowered with artificial intelligence (AI) are quickly becoming a reason to be skeptical of nearly everything, including wrong numbers and telemarketers. In a new phone scam, fraudsters steal a sample...

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How Much Homeowners Insurance Do You Need? Probably More Than You Have

A home purchase comes with excitement and stress, until the long-awaited closing. With the keys to your new home in hand, you pass the threshold into your future filled with friends, family and memorable moments. You've...

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Renters Insurance Refresher

Renters Insurance Refresher - Inventory your belongings:Take pictures or videos of your belongings (like furniture, clothes, recreational toys, electronics and jewelry). Copy receipts, and serial and model numbers....

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Hackers Target Personal Accounts — Personal Cyber Insurance Can Help

Individuals face multiple financial and reputational threats from cybersecurity failures and cybercrime. While you may get some financial help from the company that leaked your data, much of the losses you face from...

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What Are Some Common Exclusions on Homeowners Insurance?

Standard homeowners policies cover damage or destruction of your home and its contents. They also offer personal liability coverage to protect you financially if someone is injured or their possessions are damaged or...

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A Stinky Situation: You're Probably Not Covered for Sewage Backups

Unlike flooding caused by a storm, sewage backup is caused by the obstruction or malfunction of pipes in your home. A standard homeowners policy normally doesn’t have sewage backup insurance unless you’ve asked to add...

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What You Need To Know About Water Damage and Homeowners Insurance

Water damage can be devastating, costly and destructive to your home. The causes of water damage range from weather-related flooding to overflowing toilets. The statistics related to water damage are daunting. According...

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Your Homeowners Policy and Roof Damage

The idea of having “a roof over your head” is comforting precisely because roofs are so important. And you may feel reassured that your homeowners insurance policy will cover you in the event your roof is damaged due to...

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What Is Flood Insurance?

Flood insurance is a type of home or business insurance that covers flooding, which is not covered by standard home or commercial insurance. It can be written to cover buildings and contents and it's designed for owners...

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Stay Safe During a Lightning Storm

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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PASS the Fire Extinguisher: What you should know

A fire extinguisher is a very effective tool for putting out a fire that is just getting started. Knowing how to properly use an extinguisher reduces the risk of a larger fire developing and destroying your workplace or...

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11 Facts You Should Know About Renters Insurance

Many people rent homes at some point in their lives, from college students in their first off-campus apartments to retired couples who are downsizing. If you’re a new renter, you might not be clear on what renters...

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Cyber Bytes: Criminals Target Real Estate Industry for Wire Transfer Fraud

The real estate industry is a rising target for wire transfer fraud. In 2022, there were nearly 2,300 real estate scams, according to the wire fraud recovery and prevention software company CertifID. That represents a...

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Why Is My Home Insurance So Much More Than My Friends?

Why is my friends home insurance so much less expensive than mine? We live in similar neighborhoods and our homes are about the same size! We get this question all the time and thought it would be beneficial to review a...

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Sewer Backup Coverage for Homeowners

Don't let sewer backups catch you off guard! Rathbun Insurance is here to shed light on the importance of sewer backup coverage. Did you know that sewer backups can lead to catastrophic and expensive damage to your...

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How To Pick Your Homeowners Insurance Coverage Limits

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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Renters Insurance Refresher

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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Snowmobile Insurance for Winter Enthusiasts

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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Safeguard Against Ice Dams

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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Prevent Freezing Pipes in Extreme Cold

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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VIDEO: Understanding the Hard Insurance Market and Cost Sharing

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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What can an Independent Insurance Agent do for you?

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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6 Tips To Safely Enjoy Candles in Your Home

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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What Plumbing Mishaps Will Your Homeowners Insurance Cover?

Imagine a pipe bursts and water spreads throughout your home, damaging everything in its path. Your insurance would pay for repairs and loss of use while renovations are underway. There is one caveat, though: The cause...

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What Homeowners Should Know About a Large Loss

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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Cyber Bytes: Don’t Get Swindled by QR Code Scams

Quick response (QR) codes allow you to navigate to a website or other digital information without typing in a web address. From cashless vendors to product information to airline boarding passes, QR codes made it easier...

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Protect Your Investment: The Consequences of Underinsurance in Home Coverage

In the labyrinth of home insurance, the value of understanding and securing appropriate coverage limits cannot be overstated. A gap between the actual cost to rebuild and the insured amount can lead to devastating...

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Your Town’s Fire Rating Affects Your Home Insurance

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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Do You Own a Recreational Drone or Plan On Purchasing a Drone This Season?

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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Safeguarding Your Digital World- Guide to Cybersecurity in 2023

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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Unlocking Home Insurance: Home Inspection 101

At Rathbun Insurance, we believe in providing comprehensive coverage that safeguards your home and valuables. When it comes to securing the right insurance policy, you may wonder why a home inspection might be required...

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Importance of timely insurance premium payments!

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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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,...

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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.

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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,...

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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...

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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...

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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....

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Winterize That Second Home To Prevent Damage While You’re Gone

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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Prepare for Emergencies with Rathbun Insurance: September is National Preparedness Month

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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Navigating Storm Damage Insurance Claims

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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Hammer Out Insurance Before Renovating Your Home

A home renovation can add value to your property and make it more livable. But before you hire a contractor, make sure you have the right insurance coverage in place. You may need to increase your homeowners insurance...

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Practice Due Diligence When Hiring Home Contractors

Is it time to renovate your kitchen, repair your roof, or add a new bedroom? Depending on the type and size of your project, you may need the services of a general contractor (who manages the entire project), an...

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Michigan Supreme Court Announces Seismic Shift in Premises Liability Cases

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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Weathering the Storm: Top Strategies for Hail Storm Preparedness

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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What is Medical Payments on a Home Policy: An Overlooked Coverage Worth Considering

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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What is a Peril?

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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Why does my agent ask me so many questions?

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...

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Independent vs. Captive Agent

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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Why Young Adults Need Umbrella Insurance: Protecting Yourself from the Unexpected

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...

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Moving Out on Your Own? Why Insurance Should be at the Top of Your To-Do List

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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Dog Bites… am I covered?

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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Before You Say "I Don't Need Renters Insurance..."

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...

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Why Does My Kid Need to Buy Renters Insurance?

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...

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Why You Need to Be Concerned About Those Who Aren’t

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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Lumber Costs How Much!!!?!?

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...

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Because You Never Know When Your City Will Pull A Surprise Code Change

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,...

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What's So Special About the Special Homeowners Form?

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...

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Holiday Travel Tips

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...

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Rathbun Agency Adds Pioneer State Mutual To Carrier Lineup

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...

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Do We Really Need Insurance Agents Anymore?

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...

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How Are My Insurance Policies Affected by Coronavirus?

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...

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Should I Schedule My Cell Phone on My Home Insurance?

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...

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Do I Need A Personal Umbrella Policy?

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...

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What's the Difference Between Market Value and Replacement Cost?

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...

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5 Tips to Keep Pipes From Freezing

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...

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