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About Logan-Card

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So far Logan-Card has created 9 blog entries.
Nov 1, 2021

7 Ways To Lower The Cost Of Home Insurance

2021-11-11T20:27:43-05:00Tags: , , |

Seven Ways to Lower Your Homeowners Insurance Costs

The price you pay for your homeowner’s insurance can vary by hundreds of dollars, depending on the rates, credits, and endorsements available by your insurance company. Here are some things to consider when buying homeowners insurance.

1. Raise Your Deductible 

Deductibles are the amount of money you pay toward a loss before your insurance company starts to pay a claim. The higher your deductible, the more money you will […]

Apr 8, 2021

How an Umbrella Protects you From More than Just Rain

2021-07-16T16:41:09-04:00Tags: , , |

How an Umbrella Liability Policy Protects you From More than Just Rain

With the passage of Michigan’s auto insurance reform now becoming law, the immediate result will be a reduction in MCCA (Michigan Catastrophic Claims Association) fees for all insured drivers. That is the positive; but as in all things, there is a flip side to this major change in law. There is a reason attorney billboards and television ads have increased […]

Apr 8, 2021

Michigan Auto Reform Paperwork

2021-04-09T17:38:08-04:00Tags: , , |

Michigan Auto Reform Paperwork

Yes, you DID just fill out a bunch of paperwork a few months ago for your auto insurance renewal, and it is time to do it again!

When the Michigan Auto Reform was signed into law and took effect on 7/2/2020, the State of Michigan’s Department of Insurance decided that they wanted clients to complete the paperwork for the PIP (Personal Injury Protection) and BI (Bodily Injury Limits) every single renewal date.

That means […]

Dec 7, 2020

DO I HAVE TO PURCHASE SNOWPLOW INSURANCE COVERAGE?

2021-04-09T16:08:06-04:00Tags: , , |

As we watch the colorful leaves fall to the ground, and the daylight hours become shorter, we know that snow is soon to follow; and as a Northern Michigan insurance agency, so are questions pertaining to insurance for snow plow operations.

Due to the seasonal nature of our beautiful area, its common to have individuals who plow snow in the winter and perform landscaping or carpentry/construction duties during the remaining seasons. Be advised that just because […]

Aug 13, 2020

Flood Insurance Becoming A Necessity In Michigan?

2021-05-04T13:29:15-04:00Tags: , , |

We get it – we aren’t a ‘coastal state’, and that is why in Michigan, flood insurance isn’t talked about much; except when required by a Mortgage Company for those purchasing a home and looking for funding. However, as climate changes continue to drastically affect weather patterns, we believe we owe our clients a duty to educate them.

First of all, the peril of flood is excluded from homeowner, dwelling fire, commercial building and renters’ insurance […]

Jul 13, 2020

How Your Insurance Score Impacts Premiums

2021-05-04T13:38:10-04:00

We all know that our credit history affects the interest rate we pay for credit cards, home mortgages and auto loans, and that a low credit score can even be prevent us from being able to obtain financing, but a credit score is not what the insurance industry uses in calculating or discounting premiums.

It is important to understand what an insurance score is and how it impacts the cost of insurance since almost 90% of […]

May 8, 2020

Protecting Your Michigan Rental Property

2021-05-04T13:27:43-04:00Tags: |

Rental homes have become quite controversial in small towns and communities here in Northern Michigan. Why? Because where one person sees increased traffic, unknown neighbors and events; another sees profit; or at least the ability to have someone else pay the mortgage and utility expenses of their owned property.
When it comes to insurance, however, the policy language is not controversial. The policy wording is clear that losses occurring when a home is not ‘owner […]

Feb 14, 2020

Growing Up (IN)surance

2020-02-20T15:18:35-05:00Tags: |

Children are often impacted by their parents occupation whether they like it or not. If your father was a plumber, then you most likely grew up playing with copper and PVC pipes and possibly heard him talk about fittings and drains. 

In my case, my father was an oilfield mechanic and all around handyman. So by the age of 5 I was climbing all over wooden spools cached in oil and listening […]

Jan 17, 2020

Who Is An Insured?

2020-02-25T13:44:33-05:00Tags: |

The question of ‘who is an insured’ doesn’t seem complicated, until a claim is denied by your insurance company due to their decision that someone is simply ‘not an insured’ according to the policy language. No client likes to hear that the coverage they thought they had paid for, isn’t there when they need it.

But what about instances when your insurance company denies a claim because someone in the household IS an insured?

Huh?

That seems […]

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