Imagine returning from vacation and your home is cold and the carpet is saturated. The kitchen ceiling is in pieces on the counter and floor. The master bathroom laminate floor looks like a roller coaster. Water is pouring from the cracked toilet and mold is on the wall. Panic sets in: “Where will I sleep, and is my insurance going to cover this?” While insurance generally covers the damage itself, inconvenience is n
From the cars we drive to the watches we wear, technology is changing at an ever-increasing pace. But did you know this changing technology, when applied to your home, could mean savings? And not just financially. When technology is installed and monitored in the home, it can go well beyond everyday tasks such as setting a thermostat or remotely unlocking your front door. It can go as far as reducing the likelihood o
Nothing can ruin your family vacation quite like totaling the rental car on the way to the hotel. As you sit by the side of the road, you can’t help but think about how much this is going to cost since you didn’t purchase insurance from the rental car company. But you may be in luck! Typically, the same coverages carried on your personal automobile may extend to your rental car for accidents occurring within the U.S.
As technology’s presence grows in our lives – and in our vehicles – it’s becoming easier to be distracted while we’re driving. There are three main types of distraction while driving: visual, manual and cognitive. Texting is one of the most obvious and dangerous types of distraction because it combines all three. STATISTICS: More than nine people are killed and more than 1,153 people are injured every day in crashes
We get a lot of questions regarding the proposed changes to Michigan’s No-Fault Law, so we wanted to highlight, as simply as possible, what Senate Bill 248 would actually do. There is quite a bit of misinformation out there, so we’d like to help clear it up. The following summary was drafted by the Michigan Association of Insurance Agents. What does Senate Bill 248, proposed legislation really do? Moving
If you are like most Americans, you do not think about renters insurance until it is too late. According to Insurance Research Council, 57% of tenants do not buy renters insurance. Renters insurance can provide peace of mind knowing you are protected against loss of personal property, along with liability coverage. While renters insurance is typically not required, cost is reasonable and purchasing a renters policy i
There are several important reasons to consider purchasing life insurance for children. Affordable premium rates, protecting an individual’s insurability and accumulating cash value as a savings tool are a few of the most significant. First, premium rates for children are typically low due to their age and good health. If you purchase life insurance for a child now, you can lock her into those low premium rates for a
Regardless if you farm a small acreage just to keep 4-H animals or you run 2,000 acres of cash crops, you know how quickly the items used on your farm can be bought, sold or traded. Many farms are ever-changing and often the farm personal property can change very rapidly from year to year. For example, with grain prices on the rise in recent years farmers are constructing more grain bins for on-farm storage. It is im
Just because you don’t live in the Special Flood Hazard Area or 100-year flood plain, as it is more commonly called, doesn’t mean you are safe from the No. 1 cause of property damage from natural disasters: floods. Consider These Facts: —Nearly all insurance policies providing multi-peril property coverage exclude flood damage. This includes most homeowners policies. —Just because you haven’t experienced a flood in t