Michigan Condo Insurance

Michigan Condo Insurance: What You Need To Know

April 3, 2024

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…

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Home Cyber Insurance

Home Cyber Liability Insurance: What Does It Cover?

November 13, 2023

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…

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Rising Insurance Costs in Michigan 2023

Major Inflation Impacting Your Insurance Rates

June 22, 2023

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…

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Home Insurance Cost

Why Did My Home Insurance Premium Go Up?

March 20, 2023

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…

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Water Backup Insurance

Do I Need Water Backup Coverage?

March 1, 2023

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…

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Landlord Insurance For Rental Properties

Michigan Landlord Insurance For Rental Properties

January 12, 2023

  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…

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Homeowners Insurance Flood Coverage

Why Do Home Insurance Companies Deny Coverage?

November 9, 2022

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…

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Home Business Protection Insurance

Condo Insurance Coverage

October 17, 2022

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…

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Traverse City Michigan Short Term Rental

Michigan Short Term Rental Insurance

August 11, 2022

   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…

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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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Michigan Home Insurance

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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Insurance Score

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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Home Business Protection Insurance

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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Personal Protection Insurance Michigan

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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Professional Liability Insurance Quote

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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Michigan Home Insurance

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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Flood Insurance Online Quote

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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Professional Liability Insurance MI

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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Business Interruption Coverage

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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Michigan Rental Property Insurance

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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Renters Insurance Traverse City MI

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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Michigan Home Insurance

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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Permanent Life Insurance Policy MI

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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Rental Dwelling Insurance

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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