ARTICLES ABOUT HOME-INSURANCE

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 have been fielding calls from insureds who not only are doing renovations, but…

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, forcing you to make mandatory upgrades to your property? Having to comply with new…

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 is important to begin with understandings perils. A peril is a specific risk or…

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 safety tips to keep your family and home safe for the holidays: — Remove fall-…

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 lineup of carriers. — Founded in 1908, Pioneer has been insuring Michigan for over a…

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 way to buy insurance, for some. When looking for insurance, many thoughts can…

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 billing departments directly. The carrier link in the previous sentence will direct…

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 are a few things we have people keep in mind when considering scheduling phones: —…

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 providing liability coverage above an auto, home or boat policy. — Accidents happen.…

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 coverage is more than the purchase price of the home. The purchase price of the…