Personal Insurance

Household Safety Checklist for Families

Family Home Safety Checklist

Spring is arriving soon and before you can enjoy the blooming flowers and singing birds, take some time to do some home safety maintenance projects that’ll keep your home in great shape for the coming warmer weather. This spring home safety checklist can help you get started and keep you from forgetting anything important! Home […]

Do I Need Flood Insurance in Michigan?

Flood Insurance Michigan

In short yes, absolutely, 100%. Having a flood insurance policy is absolutely imperative to make sure that your house is fully covered and with spring on the way, there is plenty of rain in the forecast. We don’t expect you to just take our word for it though, here are the top 4 reasons to […]

Home Insurance Replacement Cost: New Factors

replacement cost of your home

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 providing a deeper dive into the reasons for the possible gains. How does replacement cost […]

What is Material Misrepresentation?

What is material misrepresentation in insurance

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 have to settle an insurance policy dispute. We have two examples of recent court cases […]

Value Replacement Cost vs. Market Value

insurance-to-value replacement cost. Picture of man holding a small house with paperwork in front of him.

Today, we’ll discuss insurance-to-value replacement cost vs. market value.  Every homeowner needs home insurance. But, this type of insurance can be confusing and leave you asking questions. With defining terms such as insurance-to-value replacement cost, reconstruction cost, and market value, homeowners might be comparing these definitions to the current market value of their homes. The […]

What is a Personal Cyber Insurance Policy?

personal cyber security close up of computer keyboard

What is a Personal Cyber Insurance Policy? A personal cyber insurance policy is designed to provide financial reimbursement for costs associated with digital information theft and assets up to your cyber insurance policy’s limits.   Should I Consider a Personal Cyber Insurance Policy? Even though we see news stories and articles about online cyberattacks on […]

Myths About Life Insurance Dispelled

Myths about life insurance. Family in park, watching a sunset

There are myths about life insurance. The idea of shopping for a life insurance policy can seem morbid, suspicious, and confusing. Plus, there are many misconceptions about the value life insurance offers, how to buy it, and what the policy rules are. However, if the idea of protecting your family and ensuring their future is […]

Who Needs Umbrella Insurance?

Photo of a woman with children, each carrying umbrellas on a country road.

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 frequently asked questions about umbrella insurance to make informed decisions for your situation.   What is Umbrella Insurance? Umbrella insurance […]

Why Are My Auto Insurance Rates Increasing?

Michigan auto insurance rates increasing

This is hands-down the most common question we get at Mason-McBride. We understand how frustrating rising auto insurance rates are — we have to pay the premiums too! Even good drivers are victims of getting their annual premiums raised. There are several reasons why your car insurance company is raising your rate, but the most […]

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