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...
The average person does not understand Michigan’s Insurance laws, and they look to their agent to help them. Unfortunately, the New No Fault Reform that took effect on July 1st, 2020, has left many agents also improperly informed. There are many complexities to...
Understanding Flood Insurance vs Water Backup Coverage in Michigan Flood Insurance vs Water Backup Coverage in Michigan Essential Insights for Michigan Homeowners Heavy rain, flash flooding, and basement water damage have become a growing concern across Michigan....
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...
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...
Many homeowners don’t realize their wind and hail deductible Michigan policies include can be different from their standard homeowners insurance deductible. Because storm damage is one of the most common claims in Michigan, insurance companies often use special...
