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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).
What is an umbrella insurance policy? | Michigan Insurance
The liability portion of any insurance policy is the coverage that responds if you are sued for causing damages to other people or property. For example, the liability portion of your auto insurance policy would [...]
What types of insurance do I really need? | Michigan Insurance
How do you know what insurance you really need? It's actually pretty simple. Keep in mind the purpose of insurance is to protect yourself from large financial risks. You then simply need to identify the [...]
Michigan Basic Driver Improvement Course (BDIC) | Michigan Auto Insurance
Getting a ticket can increase your Michigan auto insurance rates. Did you know? You may be able to avoid points going on your driving record & higher insurance rates. The State of Michigan offers eligible [...]
Renewing a Michigan license plate when your vehicle is in storage | Michigan Auto, Motorcycle Insurance
Photo courtesy of Michigan.gov Do you have a vehicle you store during the offseason? If the license plate for that vehicle will come up for renewal during the time period when it is in storage [...]
Why did my auto insurance go up? | Michigan Auto Insurance
One of the most common questions people ask is "Why did my auto insurance go up?" It's an understandable question - particularly if your car is getting older and you haven't filed any claims. The [...]
What is special personal property coverage? | Michigan Home & Condo Insurance
Home (and condo) insurance policies include coverage for your personal belongings. Most policy owners are aware of this and, more than likely, are also aware of and request replacement cost protection to be certain covered [...]
Should I buy full glass coverage? | Michigan Auto Insurance
The comprehensive portion of an auto insurance policy includes coverage for specified "other than collision" damages including theft, vandalism, weather, fire, falling objects, animal damage, and glass breakage. By far the most frequently reported comprehensive [...]
What is loan/lease GAP coverage? | Michigan Auto Insurance
It's frequently said a new car depreciates the most the moment you drive it off the lot. There is certainly some truth in this statement: According to Carfax, most new vehicles depreciate in value 10% [...]
What is property damage liability? | Michigan Auto Insurance
Several years ago one of our clients was pulling into a parking space directly in front of a small diner. The client mistakenly hit the gas, rather than his brake, and wound up creating a [...]
What to do in the event of an emergency home insurance claim | Michigan home, condo insurance
Having been in the insurance business for over 25 years, I've noted quite often claims don't conveniently occur during business hours. What is surprising is how people react when a loss occurs and they aren't [...]