It happens. Relationships sometimes simply don’t work out, and you find yourself moving out of a home and dividing up assets. The insurance in these situations can be complicated for everyone including your insurance agent.

We get the calls often. We are getting a divorce and he/she has moved out, so delete them.

It’s not that simple. We will never knowingly leave a client without coverage or remove them without their permission.

In these situations, we will take […]

Auto insurance rates in Michigan continue to rise due to increasing medical costs. We are the only State with UNLIMITED medical coverage on our auto policies, and as medical costs continue to increase and as hospitals and rehabilitation clinics and doctors continue to be able to charge whatever they want for auto related accidents, costs don’t look to be going down.

I’ve written previously about the ‘schedule of mandated fee’s that would help limit auto accident […]

So, I took the plunge! About 3 months ago I decided to give Shipt a whirl and see if it was all the hype that my busy professional mom girlfriends were claiming. And oh, my goodness were they right!

The fact that I can now do my weekly grocery shopping while sipping an iced chai at airports all over the US as I travel for classes and conferences, has me hooked!

We say all the time, that […]

As the snow leaves us here in Northern Michigan, the trails and mud seem to call riders from all over to get out their ATVs and hit the dirt, sand and hills.

Michigan is in fact 4th in the Nation for ATV sales and registrations, and in 2014 we had over 206,000 registered ATVs. Unfortunately, Michigan is also 4th highest in the Nation for ATV crashes and deaths.

It is not surprising either to read that in […]

“Imagine the shock of hearing a quote $3,000.00 less than what you are paying for your insurance!” We just received a testimonial from this client who was floored at how much she had been overpaying for her home and auto insurance every year! How can that happen? And no, we did not lower her coverage, but did just the opposite by increasing her limits of liability as well as discounts and adding coverage endorsements that […]

Michigan is somewhat unique when it comes to auto insurance in more ways than our Unlimited Medical benefits.

When purchasing collision physical damage protection for your vehicles, you have 3 options that some agents may not discuss with you, at least we often hear from new clients that no-one ever told them of the choices.

Broad form collision is what we write the most of. Broad form states that if you are ‘less than 50%’ at fault […]

Once again, the attempt to control costs of Michigan Auto Insurance has failed by a 45-63 vote earlier this month.

Michigan having the highest auto insurance costs in the nation will NOT change unless congress is able to move a bill successfully.

As an agent with nearly 30 years in this industry, I’ve seen bills come and go without any resolution. The only successful bill to make it out of both the House and […]

In this day of un-related individuals all living together in a home that just one of them owns, or in an apartment or condo that is leased, renters’ insurance seems to be something they all just seem to assume someone is going to cover them for.

Here’s a good rule of thumb. If you aren’t buying your own insurance policy, and have no ownership in the residence you call ‘home’, you’re leaving yourself open to not […]

You find water in the basement level of your home, or you back your vehicle into your own basketball pole in the driveway; fortunately, your insurance agent is just a phone call away. But WAIT!!

Do you realize that turning in a claim on your insurance; even if the amount paid is zero or ends up being less than $500, can STILL increase your premiums for the next 3 to 5 years???

Once a claim has […]

So, to answer the big insurance question – it’s a flat NO – your standard Michigan auto insurance policy does NOT cover you while you are being a local taxi driver regardless what name you slap on the app for people to contact you!!

The news reports that Lyft and Uber are now available in Traverse City has created a lot of buzz. It makes us feel like big city folk. Not sure why they started […]

Michigan is often in the news about our auto insurance being the highest in the Nation. Truth!

Why? – Because Michigan is the ONLY State that provides UNLIMITED medical coverage for its residents (whether insured or not! – which is a separate blog topic and therapy session).
That doesn’t mean much for the average person paying somewhere between $300 and $500 per year, PER VEHICLE, JUST for that unlimited medical benefit as well as loss of wages […]

We realize that Northern Michigan isn’t home to many floods or hurricanes, but we find when major storms occur like Hurricane Harvey, Michiganders end up with vehicles that come from devastated areas.

Unlike home insurance; where flood is excluded, auto insurance policies do provide coverage for flood if comprehensive is purchased. When vehicles are in a flood, and are totaled by an insurance company, the owner has the option to purchase the vehicle back from the […]

Our hearts go out to the victims of Hurricane Harvey, especially knowing that 85% of them have no flood insurance. These people face a crushing blow to their personal finances and a major upheaval of their lives. It’s devastating enough to endure such a major tragedy of losing your home and belongings, but then to have no financial assistance in putting it all back together again must be unbearable to many suffering there.

We get it […]

Your 19-year-old son is away at college, is listed as a ‘driver’ on your auto policy and is using a vehicle that you; their parent – owns and insures. You have called your insurance agent and advised them of the change of address for the vehicle, so if something were to happen, your agent and the company are aware of the location and usage of that vehicle. Everything is fine.

However, the above scenario isn’t how […]

Drivers education courses provide our teens with enough knowledge and hands on experience to get their license, but that’s about it.  I realized this as I watched my 16-year-old taking his drivers training test last November.  The very same 16-year-old, who by the way, totaled his first vehicle within 3 months of driving on ice in winter.  Yay! – Insurance Agency owner’s kid totals vehicle.  Yeah – I know – Awesome!

So being an agency that […]

Not only are kids moving back into their parents’ homes, now they are bringing their significant other and many times, other unrelated minor children with them.

Today’s home can have several individuals living together who are not related by blood, marriage or adoption. We understand the convenience and monetary reasons for this occurring more often in our society, but we also know that it becomes a consideration for gaps in coverage on both […]

Yes Amazon is quick, convenient, and all too easy to use. My 16-year-old doesn’t understand why I prefer to purchase what I can here locally in Traverse City. Just today I wanted to purchase some school supplies to do giveaways to families before the school year begins. His exact comment was – “Just Amazon it Mom – it’s the smartest way”.

I do understand that his Generation Z group of young people don’t understand […]

An Umbrella Liability policy is a ‘separate’ policy that provides clients with an additional ‘layer’ of liability protection. The policy is placed ‘on top of’ your other insurance policies; hence the name ‘umbrella’.

The minimum limit for an umbrella policy is $1,000,000, and they are sold in increments of $1,000,000, with the additional limits costing approximately 60% of the first million premium.
The ‘average’ annual premium for a $1,000,000 umbrella policy to extend over your home and […]