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Our blogs are intended to provide easy to understand explanations of general insurance topics and a library to reference for answers to common questions, such as “Should I buy insurance for a rental car?” You may conveniently use the search feature to the right to find articles related to your question or topic of interest (hint: type “rental” and among the top results you’ll find our blog answering the question of whether we recommend purchasing insurance for a rental car).
How much Water Backup Coverage do I need? | Michigan Home, Condo Insurance
Did you know? Damages resulting from water backing up through a sump pump, sewer, or drain are not covered by a basic Michigan home or condo insurance policy. Insurance companies offer water backup coverage, but [...]
What is Uninsured & Underinsured Liability coverage? | Michigan Auto Insurance
Within every Michigan auto insurance policy there is a portion of the policy that responds if you, as either the driver or owner of a vehicle, are responsible for injuring someone else. This is known [...]
Does my auto insurance cover damage caused by potholes? | Michigan Auto Insurance
The freezing and thawing cycle of Michigan winters are notorious for leaving roadways throughout the area ravaged by potholes. These potholes are often the culprit for vehicle damages including tires, rims, suspension - in some [...]
How to update your auto insurance when changing vehicles | Michigan Auto Insurance
Whether it's time to replace an aging vehicle or if you're simply acquiring another vehicle you will need to update your auto insurance to properly insure your newly acquired vehicle, satisfy any loan or lease [...]
What happens when a tree falls? | Michigan Home, Auto Insurance
While tornadoes are, thankfully, relatively infrequent in West Michigan we do routinely suffer damages from high winds and storms. There storms frequently down trees resulting in expenses for property owners to remove tree debris, repair [...]
Who is responsible when a tree falls? | Michigan Home, Condo Insurance
When a tree falls there can be resulting damages both for the property owner and, potentially, neighboring property owners. A common question is who is responsible for any resulting damages if a tree falls on [...]
What Is No Fault Auto Insurance? | Michigan Auto Insurance
Based on conversations over the years I've realized it's not uncommon for most people to be a little confused by no-fault auto insurance. When there is an accident, under Michigan no-fault insurance, your own auto [...]
How To Be A Smart Insurance Buyer | Michigan Insurance
A few years ago my wife and I purchased kayaks and a trailer. The salesperson was friendly, informative, and offered several worthwhile suggestions regarding equipment and accessories. While the salesperson was helpful there were items [...]
Insurance concern home buyers should address BEFORE signing a purchase agreement | Michigan Home, Condo Insurance
Your heart is set on purchasing your dream home or condo in Michigan. You've earnestly begun negotiations with the sellers - haggling over price, working with your realtor to outline seller and buyer responsibilities to [...]
What is Functional Replacement Cost? | Michigan Home Insurance
With functional replacement cost, if this hand-laid stone porch was destroyed, the insurance company would pay to replace the porch with a functionally equivalent porch using conventional construction materials and methods, such as brick or [...]