Should you have an umbrella policy? Yes. Now, more than ever, having an umbrella policy is critically important. But what is an umbrella policy? A personal umbrella policy is an additional liability policy that provides...

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Entering adulthood brings new responsibilities, and managing insurance is one of the most important. Yet, insurance can often feel overwhelming or even unnecessary-until something goes wrong. At Rathbun Insurance, we...

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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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Most people don’t have much spare time, especially to renew their auto, home, condo or renters insurance. That’s what makes automatic policy renewals so convenient. Setting up automatic renewals of your auto, home or...

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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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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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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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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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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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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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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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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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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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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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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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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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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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