Michiganders, this one's for you: As we approach two years since the new auto insurance reform went into effect in the state of Michigan, average insurance rates have decreased. While the topic of cost savings—which came out of the July 2020 revamp—should be acknowledged, the implication on protection needs to be noted.

Summer is coming to an end. For some, that means it’s time to prepare the summer house for winter, put items into storage, and say goodbye until next Spring. The checklist below will help you remember what you need to do to ensure that your home is safe and secure until next year.

This week begins the National Highway Traffic Safety Administration’s “Drive Sober Or Get Pulled Over” national campaign, which continues through Labor Day. Summer is a time to take advantage of the weather, cookout, go to the beach, and enjoy time with family and friends. Unfortunately, during the summer, there is an increased number of alcohol related vehicle accidents.

Once your child turns 18, your ability to act on their behalf changes. Their medical history is no longer available and you cannot make medical decisions for them. Even if your child lives at home or is on your health insurance, a parent has no legal authority to make health care decisions nor do they have the right to obtain medical information due to the Privacy Rule of the Health Insurance Portability and Accountability Act (HIPAA).

Today we’re sharing a blog from Central Insurance Companies. We hope you enjoy it!

Thanks to HGTV, many of us are feeling more empowered than ever when it comes to home improvement and considering purchasing fixer-uppers to convert into our dream home. The possibilities are endless. Older homes have become a target for this trend, allowing us to hold onto some of the charm and character they offer while adding modern flair. Here are some things to keep in mind if you’re considering purchasing an older home or any home you’re planning to renovate.

Today we’re sharing a blog from Central Insurance Companies. We hope you enjoy it!

If the wind was strong enough to pick up Dorothy and Toto and pull her entire house into a tornado and send them to the magical Land of Oz, there is no telling what it could do to your property. Tornado season is just around the corner, so instead of getting your magical shoes ready, follow these simple steps to minimize the wind damage to your home.

With all the benefits of lakefront living right around the corner, it’s time to start thinking about parties, boating, and preparing your home for the season. Owning a lakefront home has more financial risks that need to be properly managed. Not only protecting the value of the home itself, but all your financial assets with the increased liability exposure.

To help identify these risks, we've prepared a

It’s cold outside and many of us are taking our kids in an out of their car seats. Bulky winter coats can pose a serious threat when worn under the straps by creating too much space in between a child’s body and the harness itself.

During a crash all the material of a bulky winter coat will compress making the harness straps too loose on the child. When the harness straps are not snug on the child, they don’t do their job of securing a child during a crash.

Whether you’re an art enthusiast or have simply found a great piece of art to decorate your home, it is important to understand how to protect your valuables from the elements, theft, or unfortunate loss.

 

Do you know if your jewelry is covered under your homeowners or renters policy? Depending on the value of your jewelry, the answer could be yes, but not the full value. Jewelry can be very expensive to replace. Many people assume insurance policies, especially homeowners, will cover all valuables including jewelry. Unfortunately, it’s not until a claim is filed you realize your policy doesn’t cover what you think it does.