Why Should I Create A Photo Inventory of My Home?

Major home losses occur every day in Michigan. From large-scale flooding to tornadoes to single-house fires, unforeseen events can destroy, scatter or render the contents of your home completely unrecognizable. That’s why it is important to create a home inventory that can be stored on the cloud. Pictures, receipts and written descriptions or appraisals can help you get the greatest appropriate value for personal property that is damaged, stolen or destroyed in a covered event.

Renters, mobile home owners, condo owners and homeowners all should have a digital record of at least their valuable belongings, though it’s easy enough to create one of everything you own. With a digital record, you can add to it as you amass more items or delete from it as you discard things. Not only can you record the appearance of your belongings, but you can also record their price, model number (if applicable), and location in your home. To get a glimpse of how important inventorying is, walk out of your …

How Can I Save Money on My Insurance?

One of the things Michigan Insurance Group loves doing is helping clients save money. To give you an idea of how we help you cut down insurance costs for clients we compiled a list of 15 ways to save money on your insurance:
1. Bundle your home and auto insurance When your home and auto insurance are with one carrier it’s more than just convenient, it saves you money.
2. Sign up for paperless billing. Receiving bills via email could save you time and a few dollars a month.  
3. Opt in for EFT (Electronic Funds Transfer) Some of our carriers offer a 7-14% discount if you sign up for automatic payments from your account.
4. Pay in Full Not everyone’s budget can allow for this, but if you save money through the year and can make it happen, you can cut your insurance cost almost in half. Plus, wouldn’t it be great to not have to worry about paying insurance every month?
5. Own your home Homeownership has many perks. One advantage of owning a home is that you get a discount on your auto ins…

What Maintenance Should I Do This Fall?

Cooler nights are upon us already. Take advantage of the days between Summer adventures and raking leaves to perform a bit of routine maintenance. These tasks can give you peace of mind as winter weather hits.

1. Tune up your furnace Replace the furnace filter, check your thermal coupler and vacuum out the dust. If there is a humidifier attached to it perform maintenance on that as well.
2. Batteries Change the batteries in your smoke detectors, CO2 detectors and better check the fire extinguisher too.
3. Water Store hoses, turn off outdoor water supplies and direct drainage away from the house.
4. Chimney Have your chimney and fireplace inspected and swept. Make sure the damper is working.
5. Roof Inspect your roof for any damages and repair them as needed.
6. Gutters While you are working on roof repairs check the gutters and clean out leaves and sticks while you’re up there.
7. Windows If you put plastic up to cover your windows to save on heating cost now would be a good time to get…

10 Perks of Renter's Insurance

When we compiled a list of renter’s insurance perks we realized they all benefit the insured, so we just had to share them with you.
1. Fire/Smoke Damage – If you live in an apartment and there is a fire in another apartment; your contents are covered whether they are damaged by fire or smoke.
2. Theft Protection – Renter’s insurance can cover your stuff up to the limits listed in your policy if they are stolen. Renter’s insurance can also cover your personal belongings while you are away, traveling for work or fun.
3. Coverage for damage you cause – If you tip over your friend’s TV, crash their bicycle or cause damage to the property of others you could be covered.

4. Protection from liability claims – This helps protect you if you get sued for causing major damage or accused of defamation of character because of leaving a bad review online.
5. Affordable coverageRenter’sinsurance costs about the same as eating out once a month or about as much as one latte a week.
6. Coverage …

Am I Insured for Ride-Sharing?

As your local agency it is our job to stay informed on new trends that can affect your insurance coverage. Ride-sharing is one of these trends. Ride-share companies, such as Uber, Lyft, and Meijers Shipt, are becoming more common. In fact, several clients have shown interest in ride-sharing activities. Luckily, our carriers saw the trend approaching and now the ride-sharing endorsement is available through Michigan Insurance Group for your auto insurance.
There are several features of the ride-sharing endorsement that are beneficial, most importantly that there is coverage available while you are taking part in ride-sharing activities. 

A few key pieces of the ride-sharing endorsement that are important to know to avoid gaps in coverage are:
1. When you wait for a passenger match, the ride-sharing endorsement, when purchased and where applicable, provides you with comp, collision, uninsured/under insured, roadside & medical coverage.
2. Ride-sharing companies provide certain cove…

Do I have the right insurance for my house?

Do you have the right type of house insurance? Do you live in your home? Do you rent it to others? Is it unoccupied? Depending on how you answer these questions will determine what type of house insurance policy you should have. Here are the major differences between having a homeowners insurance policy vs. a dwelling fire policy:
Homeowners Policy: Owner occupiedProvides coverage for structure: the house itself, other structures: detached garageProvides liability protection: someone sues the homeownerAdditional living expense: for example, hotel costs if house is damaged by a covered loss*Personal Property: coverage for your stuff

Dwelling Fire Policy: Occupied by someone other than the home ownerProvides coverage for structure: the house itself, other structures: detached garageProvides liability protection: only for the homeowner, not for the tenantLoss of rents: pays homeowners loss of rent from tenant if home is damaged by a covered loss*Landlord Furnishings: appliances or furnitu…

Do I have Roadside Assistance?

If you’re on the side of the road, that’s a great question! If you’re not on the side of the road, shew! It’s still an important question to know the answer to, so you will be well prepared if perhaps you breakdown and need roadside assistance.

Before you ask the question, there’s a few things to know:
First it’s important to know that every auto insurance policy is unique. When a policy is written properly it’s tailored to you, your vehicle and your assets. This means not all insurance policies include roadside assistance, more specifically policies that are liability only. If liability only is the best coverage for you than it is very possible that  your policy does not include Roadside Assistance coverage. However, what if you need this coverage? This brings us to the second thing to know:
Just because you have liability only doesn’t mean you can’t get coverage for towing. It’s important to know that Roadside Assistance coverage is available to you and affordable. Michigan Insurance G…