Auto, Home & Insurance FAQs

Are you calling around looking for quotes? When you are on the phone with an agent, you shouldn't be having a short call. An agent who cares will spend a good amount of time having the right conversation with you. Our owner, Pat Brenned, explains why a longer...

Do you want to know if you qualify to opt out of PIP coverage on your auto insurance policy? What determines if you qualify? Personal Injury Protection (PIP) used to be mandatory. This proved time and time again to be quite expensive for Michiganders. Let’s go over...

You have different deductible options for your insurance policy, but what is the most sensible option? You can have either a higher deductible or a lower one. A higher deductible may offset monthly costs but not in the long run. For example, if a tragedy happens then...

It is a huge benefit for you to speak to an agent. Why? Insurance companies do not want you to make a purchasing decision without understanding how your insurance policy is built and how it benefits you. Companies like us are client focused. We will educate you on...

Should you talk to your agent more frequently? The housing market is impacting homeowners insurance policies everywhere. Unfortunately, many homeowners are undercovered on their homes right now. This could result in more out-of-pocket costs and less insurance payment...

Is it possible for the housing market to affect my policy as a first-time home buyer? The answer is yes. There are many factors that come into play. Your premium has a lot to do with your home's market value. Home values have exponentially risen in a very short amount...

Is it possible for the housing market to affect my policy? The answer is yes. There are many factors that go into play when determining your premium. A major piece of that is the value of your home. If you bought a home 3 or more years ago, your home value has likely...

Are you wondering what the different types of insurance agents are? Captives have their pitfall which includes not being able to shop more prices for you. Brokers are able to get you the best price and coverage possible by shopping all different insurances for you....

What is homeowners insurance versus condo insurance? What are the similarities? What are the differences? While there are some similarities, there are some things that make each unique. In a condo, you don't insure the entire dwelling. That makes it different from...

Wondering if there is going to be an auto insurance refund in 2022? The answer is yes! We've been receiving a lot of questions about it. Not everyone will be receiving the same amount. It is all dependent upon a person's situation. We gathered as much information as...

Ever wondered if your insurance will cover an accident if someone else is driving your vehicle? Depending on the situation, insurance will have your back and permissive use will come into play. We often get asked a lot about this. Most people think if someone else is...

With many floods and other disasters that fell upon different parts of Michigan in 2021, comes an adjustment of rates this year in 2022. How exactly does this affect you? Depending on what city you live in, your situation could be different. Overall, many disasters...

So you got this month's bill and your premium has gone up. What now? It can be frustrating and exhausting when your premium is constantly fluctuating. You want the best premium possible for your situation. Work with a broker to shop all of your options for the best...

Sure, you could go online and set up your policy without an agent...but what are the risks? Without a trusted agent, there are a lot of details that could be missed. Also, there are potential savings you could be missing out on. At the end of the day, working with an...

Do you ever see those ads promising to save you $700 on your insurance if you switch? People often try it and are confused why there are discrepancies in the amount of savings between them and a friend/family after switching. These ads are often false and come with...

We often get asked if insurance costs more with an agent. The quick answer is…no! It's a common misconception that using an online insurance company, like Geico, would be cheaper but this isn't the case. The truth is, an effective insurance agent can help policy...

There are three pillars Entrust Insurance Agency lives by. The three pillars include coverage, cost, and client experience. You deserve the best in each department, so don't settle for less. If you are working with a company that doesn't show care for these things,...

You deserve a proper insurance experience. No matter what your situation, you have the right to an adequate transaction with the insurance company of your choice. Your agent should be communicative, caring, and honest. This can mean something as simple as remembering...