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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…

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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…

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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…

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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;…

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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…

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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.…

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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,…

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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…

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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,…

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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…

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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…

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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…

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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…

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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…

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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…

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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…

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