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; […]

  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 […]

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. […]

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, […]

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, […]

Updated for 2026: What Michigan ATV Owners Need to Know This Season Spring in Northern Michigan Means ATVs, Trails, and Hidden Liability Risks As the snow finally melts here in […]

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 […]