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 what coverages are more costly. When we talk about Auto Insurance, theContinue reading “How Inflation impacts Insurance”

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. Because the Metro Detroit area has a high percentageContinue reading “Water in your Basement? Flood vs. Water Back up”

Should I insure my Recreational Vehicles on their own policy or on my Homeowners ?

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 careful, cheaper is not always better. When insuring these types of vehicles, youContinue reading “Should I insure my Recreational Vehicles on their own policy or on my Homeowners ?”


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 to these individuals is whether or not the homeContinue reading “LANDLORD vs VACANT HOME POLICIES”

Most Common Homeowners Claim in Michigan

The most common claim for a Homeowners policy in Michigan is for Wind and Hail damage, per the Buckley Law Firm, at just under 40% of all claims. So it is no surprise that Insurance companies want to do everything they can to mitigate their risk, related to Wind and Hail. Contractors often go intoContinue reading “Most Common Homeowners Claim in Michigan”

Why Insurance is NOT a commodity!

Some consumers view insurance as a commodity. This leads them to shop for simply the best rate. It has become more common for consumers to take to the internet in search of the cheapest rates available. The Insurance marketplace has been transformed by the likes of Progressive, Geico, Esurance, Lemonade and others.  All alluring withContinue reading “Why Insurance is NOT a commodity!”

Customers First Insurance Group

Michael Vereecke – President of Customers First Insurance Group I started Customers First, because I grew tired of losing good paying customers because the Insurance carrier changed direction on what they were looking for in a client. How does this happen? All Auto Insurance carriers use something called an Insurance Score to determine how muchContinue reading “Customers First Insurance Group”