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? 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 […]
The idea of shopping for a life insurance policy can seem morbid, suspicious, and confusing. Plus, there are a lot of 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 something you do value, […]
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? Do you really need umbrella insurance? We’ll answer frequently asked questions about umbrella insurance so you can make informed decisions for your situation. What is Umbrella Insurance? Umbrella […]
Before hitting the road this holiday, check out our top ten driving safety tips As we approach the long Independence Day holiday weekend, it’s a great time to review our ten driving safety tips before you head out with the family on the open road. Even if you are a skilled, experienced, and safe driver, […]
As your college students come home for the holidays or travel during their school break, you may think they are covered under your Michigan auto insurance policy. After all, they are a family member. Perhaps you haven’t given it a second thought. However, if you have family members with access to your vehicles or others […]
Your homeowners declaration page will tell you exactly how much your policy will cost and the amount of coverage you will have. Unfortunately, this document is filled with confusing terms that offer absolutely zero explanation. What is coverage A, B, or C? Is an HO-3 a good thing? We are here to break down all […]
What is a 401k? How much should you have saved in your emergency fund? What is a credit score? It’s never too early to start planning your future. Money can be complicated and we are here to help. Too often, we try to rely on what our parents or teachers taught us, and typically, that […]
While many of us look forward to a nice, long weekend with family and friends, Memorial Day is about much more than that. Aside from hamburgers and cocktails, Memorial Day is a time for remembrance and reflection of the many American lives lost while serving our country. As you celebrate this weekend, be sure to […]
Looking at the list, it may seem like homeowners insurance doesn’t cover anything at all, but that’s not true! Every policy is unique which is why it’s important to discuss your coverage limits in detail with your agent. Homeowners insurance doesn’t cover most natural disasters, but if your home is damaged, dwelling coverage may help […]
