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...
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How Are First-Time Home Buyers Affected By Market Values?
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...
How Can the 2022 Housing Market Affect My Insurance Policy?
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...
What Are the Different Types of Insurance Agents?
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’s the Difference Between Homeowners and Condo Insurance?
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...
Is There Going to be A 2022 Michigan Auto Insurance Refund?
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...
What is Permissive Use?
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...
How Has 2021 Affected Insurance Rates in 2022?
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...
My Insurance Premium Has Increased! What Are My Options?
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...
What Are The Risks of a Do-It-Yourself Insurance Policy?
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...