Posts

Blog

Figo Pet Insurance Traverse City

Figo Pet Insurance

August 2, 2022

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…

Read More

Should My Truck or Car Be Insured on a Business Auto Policy?

July 12, 2022

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…

Read More
Workers Compensation Claim

Michigan Worker’s Compensation Insurance

July 5, 2022

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…

Read More
Michigan Golf Cart Insurance

Gap in Michigan Home Policies for Golf Carts

July 1, 2022

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…

Read More
Michigan Recreational Vehicle Insurance

Recreational Vehicle Insurance

June 10, 2022

                             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…

Read More

The Michigan Catastrophic Claims Association (MCCA) Refund

March 10, 2022

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…

Read More

7 Ways To Lower The Cost Of Home Insurance

November 1, 2021

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…

Read More

How an Umbrella Protects you From More than Just Rain

April 8, 2021

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…

Read More

Michigan Auto Reform Paperwork

April 8, 2021

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…

Read More

Do I Have to Purchase Snowplow Insurance Coverage?

December 7, 2020

  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…

Read More

Flood Insurance Becoming A Necessity In Michigan?

August 13, 2020

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…

Read More

How Your Insurance Score Impacts Premiums

July 13, 2020

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…

Read More

Protecting Your Michigan Rental Property

May 8, 2020

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;…

Read More

Michigan No Fault Reform Law: What Does it Mean For You?

February 20, 2020

  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…

Read More

Frozen Pipesicles

February 11, 2020

  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…

Read More

Who Is An Insured?

January 17, 2020

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’…

Read More

Chargeable Accidents

October 9, 2019

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…

Read More

Adulting is Hard

September 6, 2019

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.…

Read More

Replacement Cost vs. Actual Cash Value (New for Old)

August 8, 2019

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.…

Read More

Full Coverage Auto Insurance

July 18, 2019

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…

Read More

Home Sharing Coverage Issues

June 27, 2019

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,…

Read More

Michigan Auto Insurance Reform

June 18, 2019

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…

Read More

You Have No Coverage

June 14, 2019

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’…

Read More

Do I Need To Insure My Bike?

April 26, 2019

  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…

Read More

Understanding Ordinance and Law

April 25, 2019

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…

Read More

When Generations and Families Mix in the Workplace

March 15, 2019

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…

Read More

Storms Cause Neighborhood Storms

July 12, 2018

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…

Read More

Divorce And Division of Property

May 30, 2018

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…

Read More

What does ‘Named Peril’ Mean?

May 15, 2018

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…

Read More

Michigan Ranked #6 for Dog Bite Claims

April 27, 2018

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,…

Read More

Factors YOU Control That Impact Your Auto Insurance Costs

April 19, 2018

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…

Read More
Shipt Grocery Driver Insurance

Shipt Drivers in Michigan

April 14, 2018

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…

Read More

Spring Toys can bring Financial Woes

March 23, 2018

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…

Read More

Claims on Vacant Homes Denied

January 8, 2018

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…

Read More

Why Do Insurance Costs Vary So Much?

January 1, 2018

“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…

Read More

Should I Have High Deductibles?

December 25, 2017

  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…

Read More

Forms of Auto Collision Coverage in Michigan

December 18, 2017

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…

Read More

Michigan’s Auto Insurance Reform Defeated

December 11, 2017

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…

Read More

Does my roommate need Renters Insurance too?

December 6, 2017

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…

Read More

How Much Do I Insure My Home For?

November 27, 2017

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…

Read More

Replacement Cost vs Market Value Issues

November 20, 2017

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…

Read More

Claims Reporting – When to Contact Your Agent

November 13, 2017

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…

Read More

Reverse Trick or Treat

October 30, 2017

[fusion_builder_container hundred_percent=”no” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=””…

Read More

Uber & Lyft have arrived in Traverse City

October 28, 2017

  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…

Read More

Michigan Auto – Medical Order of Priority

October 11, 2017

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…

Read More

Salvage Autos – Hurricanes, Floods, Collisions

October 6, 2017

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…

Read More

What Michiganders can learn from Hurricane Harvey

September 29, 2017

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…

Read More

You wrecked “Brad” and you want a new “Brad”

September 12, 2017

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,…

Read More

College Kids – To Be… or Not to Be… On Their Own

September 7, 2017

  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.…

Read More

Teen Driver Safety Tips

August 30, 2017

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…

Read More

Renters Insurance – Worth the cost of 2 Ristretto Venti Chocolate Brownie Iced Drinks?

August 24, 2017

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…

Read More

Client Relationships

August 15, 2017

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…

Read More

Why is Local Important?

August 11, 2017

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…

Read More

Cover Yourself with an Umbrella

April 23, 2017

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…

Read More

Home Insurance – Use Your 15 Minutes Wisely

September 27, 2016

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…

Read More

How I found passion in – of all things – an insurance career

November 4, 2015

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…

Read More