You don’t think about scheduled personal property coverage until you’re standing in a hotel room, turning everything upside down for the third time. The dresser tray. The suitcase. Your jacket pockets. Nothing. The diamond earring — or the Rolex that was there last night — is…

In Michigan, Lady Bird deeds, also known as Enhanced Life Estate Deeds, have become a popular estate planning tool. They allow homeowners to name a beneficiary who automatically receives the property upon death, bypassing probate.  While the deed transfers ownership seamlessly under Michigan law,…

One of the most common things we hear from clients is, “I thought my home and auto insurance already covered everything.” In many everyday situations, they do. But serious accidents and lawsuits don’t always stay within policy limits. When a…

Michigan’s auto insurance laws changed in 2020, giving drivers more flexibility when selecting Personal Injury Protection (PIP) medical coverage. One key part of this change involves something called Qualified Health Coverage (QHC) — and understanding how it applies to you…

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…

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…

Driving requires your full attention. Yet despite knowing the risks, many drivers still glance at a text, respond to a notification, or check social media while behind the wheel. That moment of distraction may feel small. The consequences rarely are.…

As a homeowner, it’s important to have a clear understanding of how your home insurance policy values your property. Many homeowners are surprised to learn that the amount their home is insured for may not match what they paid for…

In many cases, yes, flood insurance is worth reviewing, even if you’re not in a designated high-risk flood zone. Flooding remains the most common natural disaster in the United States, and Michigan has experienced significant flood events in recent years,…

When your homeowner’s insurance policy renews, there are a few factors to keep in mind about the replacement cost of your home. These adjustments can be confusing, especially when they result in higher coverage limits or premiums. Understanding how replacement…