Insurance costs have increased steadily over the past several years, and many policyholders are feeling the impact. While inflation is a contributing factor, the broader issue is a prolonged hard market that affects pricing, availability, and underwriting scrutiny across nearly…

Think responding to a quick text behind the wheel is harmless? Distracted driving is far more dangerous and more common, than most people realize. At one point or another, many of us have glanced at a message while driving. After…

Your homeowners insurance declaration page, often called the “dec” page, summarizes the essential information about your insurance coverage. This document is critical as it acts as proof of insurance for mortgage lenders and gives you a quick overview of your…

In short, yes. Having a flood insurance policy is imperative! Flooding is the most common natural disaster in the United States, and Michigan is no exception. The Federal Emergency Management Agency (FEMA) estimates that there is a 26% chance of…

As a homeowner, it’s important to have a solid understanding of your home insurance policy. One area that often causes confusion is the difference between insurance-to-value replacement cost and market value. This article explains the difference and offers guidance for…

When your homeowner’s insurance policy renews, there are a few factors to keep in mind about the replacement cost of your home. First, you may see an increase in your replacement cost from your carrier this year. So, we are…

There is more to your home than just a roof over your head. It’s the place you raise a family and make memories. There are also threats and dangers in and around your home, placing you vulnerable if the unexpected…

Material misrepresentation in insurance happens, even if it’s accidental. It’s important to properly document and disclose accurate facts when obtaining or renewing insurance policies. Otherwise, you could be in danger of material misrepresentation, leading to possible issues if you ever…

Most people assume cyberattacks only happen to large companies, but today’s cybercriminals increasingly target individual households. With more devices, online accounts, and digital conveniences than ever before, the average home now has more cyber exposure than some small businesses. This…

You may have heard of the term “umbrella insurance policy.” Is this type of insurance something you need to consider as part of your insurance plan? For example, do you need umbrella insurance? We’ll answer questions about umbrella insurance frequently…