Owning a plumbing business in Michigan can be a rewarding venture due to our thriving trades industry, but in order to protect your livelihood, it's crucial to have the right ...

Owning rental property in Michigan can be a lucrative investment, but it comes with its own set of risks. Landlords need to protect their assets with the right insurance. In ...

Northern Michigan weather can be beautiful, but stormy weather can result in heated exchanges between neighbors and hundreds of phone calls to insurance agencies annually regarding who is responsible to ...

Renting a car is common for those on vacation or simply in need of a temporary replacement vehicle. However, understanding rental car insurance options can be confusing. In Michigan, your ...

On average, the cost for personal auto insurance in the US rose 20.6% over 2023 costs, which was also up an average of 17.4% from 2022. We all know that ...

When purchasing or owning a condominium in Michigan, it is important to purchase adequate coverage beyond the association's policy to protect your investment and assets. The condo association's policy protects ...

The quick answer is yes landscapers need business insurance. Here we will look at the different exposures and insurance products specifically for landscaping businesses. General liability insurance protects the business ...

Yes and No. Shipt provides some insurance, but here we will discuss the insurance you need to have for your own protection.   Personal auto insurance policies were created to provide ...

You paid for your full year of business insurance, so why are you now getting a bill, and what is an audit anyway? An audit is a process where the ...

With the recent overturn of the Open and Obvious Doctrine, the potential for claims and lawsuits against Michigan property owners has increased significantly.  The open and obvious doctrine was a ...

This is one of the most frequent questions we are asked, and the answer is, it depends. Michigan auto policies provide coverage for a ‘temporary replacement vehicle’, and that coverage ...

Cyber attacks are common for large businesses. In 2022 alone, there were over 4,100 publicly disclosed data breaches equating to approximately 22 billion records being exposed. But what about a ...

Opening your insurance renewal to see it went up 25%, 50% or even 100%? These steep increases have hit many other states in 2023 and are now being seen in ...

If your E Bike is stolen or someone is injured on it and sues you, are you properly insured?  As the E-Bike trend seems to be here to stay, a ...

Yes, even small businesses should have insurance. The type of insurance needed depends on the nature and size of your business. Here are some of the most common types of ...

  We were all thrilled to receive a $400 refund check per insured vehicle last summer, however Michigan’s Catastrophic Claims Association (MCCA), will soon be taking some of that back ...

Yes, home and in fact most property policies of all types are seeing an increase in insurance costs. These last two years property claims have cost insurance companies much more ...

Whether you have an aging sewer system, have tree roots that are blocking your septic system, or are simply experiencing higher than usual amounts of rain, water and sewage back-up ...

We are seeing an increase in Michigan auto policies where protection against Uninsured Motorist liability has been purchased at the lowest limits available, and protection against Underinsured Motorist has not ...

You planned for months for your long awaited dream vacation only to have a tropical storm close the airport or simply make it too dangerous to travel. Unless you paid ...

Yes, if you are working for either Lyft services, you need to have additional insurance that covers you while using your vehicle for business. And Yes, Lyft provides some insurance, ...

  Rental properties have become incredibly popular in Northern Michigan and here in Traverse City, there are hundreds of units being built each year for both long and short term ...

It can be incredibly frustrating to purchase a home insurance policy and then be told after years of paying premiums, that your claim has been denied. In fact, for many ...

You have purchased your first condominium, and are being required by your mortgage company or your condo association to purchase insurance to protect your new condominium. First it’s important to ...

  The answer to the question of whether or not your LLC needs insurance is a resounding yes, and for many reasons that we will explain here. When you create ...

  The answer to the question of whether or not your LLC needs insurance is a resounding yes, and for many reasons that we will explain here. When you create ...

   Over the last few years, short term rental(STR) properties have become extremely popular in and around Traverse City Michigan. Insuring them has become less costly than when they first ...

Animal lovers know that our pets are a cherished part of the family. So purchasing insurance on them isn’t a new concept. In fact, the first pet insurance policy was ...

Knowing when to insure your vehicle on a business or personal auto policy can have some major coverage issues if done incorrectly. In fact, if you insure a commercially used ...

Workers' compensation insurance is not only a crucial factor when running a business, many times it's required by law, according to the Michigan's Workers' Disability Compensation Act. Not all employers ...

Lets say you purchase a new golf cart to ride around in your neighborhood and perhaps across the street to a local golf course. Did you realize that home insurance ...

                             Michigan Recreational Vehicles Off Premises Whether you enjoy taking a ride on an ATV or seeing the beauty of the US one campground at a time, all recreational vehicles ...

Michigan's MCCA has advised that refunds from our Auto Insurance No-Fault Reform Law passed in 2019, are on their way to Michigan auto insurance consumers. Because the changes made by ...

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 ...

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 ...

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 ...

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 ...

  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 ...

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 ...

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 ...

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; ...

  Last summer, I wrote about the Michigan No Fault Auto Insurance Reform law right after it had been signed into effect. Since then, insurance agencies throughout the state have ...

  Yes, that’s not even a word, though it does make you envision a topic we run into often in Northern Michigan — frozen pipes. Does your home insurance cover ...

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’ ...

You swerve to miss a deer and end up in the ditch causing damage to your vehicle from the impact; or perhaps you pull off the side of the road ...

Yes, we know that adulting is hard, and that sometimes parents hold on too long and too tight when a child needs to take responsibility and do the ‘adulting’ thing. ...

You start a load of laundry and head down the road for a neighborhood barbeque.  Upon returning, you find water all over your laundry room and into your carpeted hallway. ...

One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’.  What does that even mean?  I have been ...

I’m still living in my home, so why do you need to know that I’m also renting it out?  Unfortunately, this seems to be a common question ‘after’ a claim, ...

I’m still living in my home, so why do you need to know that I’m also renting it out?  Unfortunately, this seems to be a common question ‘after’ a claim, ...

The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically ...

We understand how upsetting it can be for a client who has paid premiums for years with no claims, to turn one in and hear that it’s simply ‘not covered’ ...

  Quiz:  Do you know what a Pinarello Bolide, Dogma F8 Xlight, or a Cervelo P5 is?  Second Question:  Are you aware that they can cost you upwards of $10,000 ...

What is Ordinance and Law?  A frequently misunderstood coverage, ordinance and law is a property coverage issue that can be costly to owners of homes or commercial buildings that suffer ...

As a Generation X employer, hiring and mentoring millennials makes for interesting situations; but when that millennial is your son, it makes for an even more unique scenario. I struggled ...

Once again mother nature caused some issues recently in Northern Michigan with storms and high winds that brought trees down on buildings as well as vehicles. When a tree, regardless ...

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 ...

I don’t think anyone would argue that insurance jargon is, at times, very confusing. Even after being in this industry writing insurance policies for over 30 years, I at times ...

Yes, we know that Fido is an adorable pet that ‘wouldn’t hurt anyone’. However, we also know that insurance companies pay millions of dollars each year for dog bite medical, ...

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 ...

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 ...

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 ...

You and your siblings deal with the excruciating decision to place your mother into a long-term care facility as she can no longer take care of herself due to either ...

“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 ...

  Your home insurance renewal arrives and like most people, you toss it in a drawer or cabinet once you have paid the bill, but you really don't pay much ...

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 ...

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 ...

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 ...

You paid $165,000 for your home, but your agent here in Michigan thinks your ‘bargain purchase’ for a seasonal residence should be insured for $208,000. How can that be? We ...

You find a major bargain for a rental property in Detroit Michigan and only pay $65,000 for a home, but then after phone calls to 5 different insurance agencies in ...

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 ...

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  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 ...

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 ...

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 ...

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 ...

Yes, we realize that the Liberty Mutual television ad about wrecking a just purchased vehicle (she calls Brad), and not being able to purchase another one with the insurance proceeds, ...

  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. ...

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 ...

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 ...

Today I got the news that a long term client of mine passed away over the weekend. Every business owner gets these calls, and we empathize over the phone with ...

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 ...

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 ...

15 Minutes can save you money now, but cost you thousands later.  Oh wait, they don’t tell you that. The price gun, the lizard, the mayhem guy.  We all have seen ...

In 1988 with just a high school diploma for credentials, I answered a newspaper ad for a receptionist at a local insurance agency. My long term goal: To work with ...