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…

3 Common Insurance Misconceptions

Agents are continuously learning about the insurance industry so that you don't have to. Our team takes pride in educating themselves on, not just the insurance industry, but our client's lifestyle as well. One of the reasons they do this is because insurance misconceptions could lead to a gap in coverage which means you might not be insured when you think you are. Your agents job is to make sure there are no gaps.

Here are 3 common insurance misconceptions your agents are looking out for:

If you have any concerns about the common insurance misconceptions or team is more than happy to help. Visit us at or give us a call. 616.755.3000 | 231.755.3000
Written by Karlee Miller
Creative Administrator

Back-To-School Insurance Checklist

The back to school shopping and hustle to check off your student’s check list is in full swing. If you’re helping your college student prepare for the upcoming year with dorm décor, bathroom essentials, and college books, add these items to the list:

Renter’s and/or Homeowner’s Insurance Check with your local agent to see if your homeowner’s insurance coverage will cover your student while away at college. If your student lives on campus in designated student housing your homeowner’sinsurance could provide coverage for their stuff. State Auto recently shared an infographic with quick facts about college students belongings. Check it out.
Is your student living off campus? If they are renting an apartment or house, renter’s insurance can offer coverage for the expensive things you just purchased for their education. Coverage could include replacement of their belongings as well. Renter’s Insurance costs can be as low as going out to eat once a month.

Auto Insurance When your student go…

Should I buy the “loss damage waiver” (insurance) for my rental car?

This is a question that most insurance offices get on a regular basis and unfortunately you will find many different answers so I thought it would be helpful to break down some of the reasons that this is a complicated question and how to help you answer, “Should I buy the insurance?”
First, I want to clarify that you are not actually buying insurance for the rental vehicle. In actuality you are paying the rental company to waive their rights to come against you for any losses they sustain due to damages to their vehicle. It is often called insurance, even by the rental car companies, but if you read the fine print you will find that it is in fact a waiver. Think about it, in order to sell insurance in the state of Michigan, you need to be licensed, they are assuredly not licensing all the counter people at the rental car companies.

In Michigan rental vehicles are typically included in the definition of non-owned auto and therefore are usually covered under both Liability Coverage and P…

Does My College Student Need Renter's Insurance?

Before you answer that question there are a few other things to consider. The following will give you a better idea if Renter’s Insurance is right for your college student.
Take a few minutes to consider the amount of stuff your college students will have in their apartment or college dorm. Make an inventory. Our list starts with college books, furniture, clothing and jewelry, electronics including a computer, cell phone, tablet and TV. Check out this infographic for the rest of the list. You'll find the math adds up quickly. 

Next, find out if your college student will be covered by your current Homeowner's policy. According to our carrier Safeco Insurance, some policies offer a certain amount of coverage for your student, based on your limits. “So, if you have $100,000 of personal property coverage on your policy, your student has $10,000 or $20,000 worth of coverage.” Keep in mind every policy is different. We recommend speaking to a local agent.

Another thing to consider is t…