Insurance Blog

How Do I File a Claim?

Life does not always go as planned. A truck rear-ends you. The power goes out, and your refrigerator defrosts, flooding your kitchen. A wildfire burns down your home. These are all frustrating situations that can impact your life for a long time. They can affect you physically, emotionally, and financially….

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Why are Insurance Rates Going Up?

Adverse weather, higher repair costs, and greater liability risks are behind the increase in homeowner’s insurance rates. Insurance prices have risen dramatically in recent years, particularly regarding homeowners’ policies. If you suffer sticker shock while shopping for coverage or paying your latest bill, you are likely wondering what is driving…

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Should I Have Collision Insurance?

Car accidents are unfortunately common in Michigan, and even a relatively minor crash could result in extensive financial damage. Auto insurance policies protect you against having to pay out-of-pocket for losses that occur as a result. While the state requires all drivers to have a minimum amount of coverage, this…

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Is it Illegal to Not Have Insurance?

Insurance prevents you from suffering financial losses when unexpected events happen. There are policies designed to protect your home, health, business, future needs, and your family in the event of your passing. While having adequate coverage is a smart idea, it is generally not legally required. The exception is automobile…

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Why are Car Insurance Rates Increasing?

Auto insurance rates have increased 17% to 19% just over the last year due to several factors. According to the U.S. Bureau of Labor Statistics Consumer Price Index, auto insurance rates have increased more than 17% to 19% over the past year. As a result, all drivers across the country,…

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Does Renters Insurance Increase Annually?

The cost of renters insurance and whether it increases depends upon several factors. Most people who have rented an apartment or a home, or rented out their property to others, have a clause in their rental contract mentioning renters insurance. While it may seem like renters insurance is only necessary…

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What Is an Insurance Premium?

If you have an insurance policy, you’ve likely heard the terms premiums, policy limits, and deductibles used frequently enough, but you may also be confused about which is which. And if you are, you should know that you’re not alone. Better understanding the terms related to your insurance helps to…

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Are You Moving this Summer?

If you’re moving to Ann Arbor, Saline, Dexter, Milan, Clinton, Chelsea, or anywhere in Washtenaw County, Michigan, finding the best insurance coverage for your new home and vehicle is essential for protecting your assets and ensuring peace of mind. You want coverage that meets your needs for the best possible…

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Should I Get Renter’s Insurance?

Some landlords require you to have renters insurance, but others do not. If it is not mandatory for your rental home, should you consider purchasing a policy anyway? Absolutely, getting renters insurance is a smart move and offers numerous benefits and protection for tenants. Many people wish they had renter’s…

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What is Gap Insurance?

The law requires you to have a minimum amount of auto insurance coverage, though the minimum level is often inadequate to cover you following a serious accident or event. There are other types of insurance coverages that can help ensure you have comprehensive coverage in the event of an incident….

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Does My Home Insurance Cover Floods?

While you might not have too many concerns about floods in Michigan, our state has seen its fair share of flash flooding and severe floods. Any type of flood can quickly damage or destroy property - including your home. This damage can be devastating and costly, as well as dangerous…

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No-Fault Reform and PIP Medical Options

In 2019, Michigan’s governor signed a new law that reformed the state’s no-fault auto insurance system, making significant changes to personal injury protection (PIP) medical coverage options for drivers. These changes took effect on July 1, 2020, and have since impacted how Michigan drivers can purchase and use PIP medical…

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