How Inflation impacts Insurance

How Inflation impacts Insurance

Insurance premiums are calculated based on the potential payout vs the attributed risk. So when you review your policy, you will see that each type of coverage has its own associated premium. This provides transparency to the consumer and helps them understand better...
Water in your Basement? Flood vs. Water Back Up

Water in your Basement? Flood vs. Water Back Up

2021 has brought record rainfall to the Metro Detroit area. In fact, the five year period of 2016-2021 is the 2nd wettest period on record for the Metro Detroit Area since data collection began. With this there have been multiple flash flood warnings, in 2021 alone....
How Should I Insure My RV?

How Should I Insure My RV?

Some carriers will allow you to insure your Snowmobiles, ATV’s, Boats, Golf Carts, Etc. on your homeowners policy, as an endorsement. This can be very economical as your homeowners policy would provide the liability coverage at a much deeper discount. But be...
Michigan Mini-Tort Law Explained

Michigan Mini-Tort Law Explained

Because Michigan is a no-fault state, people are often confused as to why fault is assessed in the event of an accident. To the unlicensed individual this can be very confusing. First lets explain that there are two types of Auto Insurance laws in the U.S., No Fault...
Landlord vs Vacant Hme Policies

Landlord vs Vacant Hme Policies

If you have a rental home or investment property, it is important to know the exclusions and limitation of your property policy. A majority of Landlords have a regular day job and own 5 or less rental properties, and manage the property themselves. My first question...