Why Did My Home Insurance Premium Go Up?
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…Read More
Do I Need Water Backup Coverage?
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…Read More
Michigan Landlord Insurance For Rental Properties
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…Read More
Why Do Home Insurance Companies Deny Coverage?
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…Read More
Condo Insurance Coverage
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…Read More
Michigan Short Term Rental Insurance
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…Read More
Gap in Michigan Home Policies for Golf Carts
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
7 Ways To Lower The Cost Of Home Insurance
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 Your Insurance Score Impacts Premiums
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
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
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
Replacement Cost vs. Actual Cash Value (New for Old)
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
Home Sharing Coverage Issues
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
What does ‘Named Peril’ Mean?
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
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
Spring Toys can bring Financial Woes
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
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
Does my roommate need Renters Insurance too?
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?
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
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
Renters Insurance – Worth the cost of 2 Ristretto Venti Chocolate Brownie Iced Drinks?
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
Home Insurance – Use Your 15 Minutes Wisely
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