Sledding Safety

The weather might be 20 degrees with wind that makes it feel like 5 degrees but that won't keep the kids indoors. They are sure to dress up from head to toe in all their winter gear and find the nearest snow covered hill to go sledding. Before the fun begins it's important to warn them about sledding safety. Here are a few good reminders about sledding:

Winter Gear
When putting on snow pants, hat, gloves and a scarf cover as much skin as you can to try and avoid frostbite or hypothermia. Warn your kids of the signs of frostbite so they know when cold is too cold.

Look around before going down.
Check for fences, trees, other structures and traffic. What is at the bottom of the hill and what will you pass on your way down? Avoid sledding down hills with trees, bushes or hills that lead to a road. Don't sled on hills packed with ice, especially at the bottom because the landing will be much harder.

Sled together.
Adults and older kids should sled with younger kids. Younger kids …

Fireplace Safety

When it’s chilly outside, sitting by the warm fireplace with a cup of hot cocoa is a cozy way to relax in the Winter months. Before you sit down to sip your cocoa and enjoy the warmth of the fire, remember these fireplace safety tips:

Did you inspect & clean the chimney? We recommend hiring a certified chimney sweep at least once a year to inspect and clean your chimney before using it again for the first time.
Check the damper. Make sure the damper is open before starting the fire. You can check the damper by looking in the chimney; a mirror usually helps. Leave the damper open until the fire is done burning.
Ashes. Did you know the thicker the ashes in the fireplace, the more smoke is produced? Thick ashes will lessen air flow to the logs. Clean out cooled ashes before placing logs inside the fireplace.
Home Insurance. If you have a fireplace, or install a new fireplace, let your insurance agent know to update your policy, so that if there is damage or loss to your fireplace, you a…

5 Benefits Of Working With A Local Agent

5 Benefits of Working with A Local Agent
Going online to request a homeowner’s insurance quote, messaging your agent to add a new vehicle to your auto insurance, or calling to ask when your insurance renews, are all requests you could make to an insurance company and hopefully it’s as convenient as possible. Here are a few more of the convenient benefits of working with a local agent such as Michigan Insurance Group:

Multiple Carriers One of the great things about working with a local agent is that your auto, home/condo or renter’s insurance, motorcycle, snowmobile insurance, umbrella and business insurance are all in one place. This means you can contact the same person for questions on any of these policies.
Multiple carriers also mean more options for you. If one carrier isn’t the right fit, we have several others that could meet your insurance needs.
We do the work for you. Everyone loves shopping when it’s for something shiny or brand new. Shopping for insurance might not top your list…

Why install a fire-suppression system?

With the thought that the majority will be cooking a #Thanksgiving feast tomorrow we want to share information about containing cooking fires with a fire suppression system; a blog from the Michigan Association of Insurance Agents.
With today’s busy schedules, two working parents and more elderly people living at home instead of choosing assisted living housing, stove top fires continue as a primary source of house fires. Fires that start small in the kitchen can rapidly spread, especially when caused by unattended cooking. Such fires can occur even when cooking is left unwatched for small periods of time: while getting the mail, going to the bathroom, briefly conversing with a neighbor across the fence. In just minutes, fire can spread from a pan to cabinetry, causing disabling smoke and fumes.

If you forget something on the stove and leave to take a nap or a shower or run an errand, you could put lives in danger. This is a hazard for overly tired people, highly stressed people and …

Thanksgiving Safety

The festivities that come with the holidays are an exciting time. We’d rather you spend your time with family then dealing with an insurance claim. Here are some tips to keep you and your family safe at this year’s Thanksgiving feast.
Cooking Safety
Don’t walk away from the stove. All though guests will be arriving, and conversations will be in full swing, don’t walk away from the stove. Most cooking fires occur because of unattended cooking.
Oven fire? Close the oven. If a fire sparks in your oven, close the oven door to contain the fire and turn it off while you call the Fire Department.

Traveling Safety
Secure items in your car. Whether transporting food, drinks, games, pets or luggage make sure all items are secured so that if you must stop quickly they won’t become a flying hazard inside your car.

Check the weather and the time. Make sure to leave yourself plenty of time to arrive at your destination safely. Michigan weather can be unpredictable, but this shouldn’t stop you from bein…

What Information Do I Need to Get Renter’s Insurance?

If you rent an apartment, condo or house your landlord or condo association will have insurance. Many times, tenants will assume they are also insured if they experience a loss. We’re here to tell you this is not the case. In fact, it is the complete opposite. The insurance that the landlord or association has insures them, their property and liability. It does not insure you or any of your possessions. That’s where Renter’s insurance comes in handy.

For approximately $35-$50 a month renter’s insurance could help replace your belongings if they are lost or stolen, cover costs of damages and more. Check out our blog to find more real reasons to have renter’sinsurance.
Renter’s insurance doesn’t just cover your belongings. It also comes with Liability coverage, which protects you in case you or a family member are sued for causing property damage or injury to someone else.
If you’re interested in getting renter’s insurance, but you’re not sure where to begin, here is a list of informa…

What Kind of Insurance Do I Need for My Vacation Home?

If you have a seasonal or vacation property or a second home you use for guests or getaways, you may be pleased to discover there are multiple options for insuring that property and any liability that goes with it.
There are off-the-shelf policies that meet most second-home owners’ basic needs, and there are customizable policies that can be tailored to specific circumstances, such as high-value homes and properties you intend to rent out to others. There are even policies for homes you don’t plan to use at all but want to keep, such as inherited family properties.
In some cases, your vacation house can piggyback on your homeowners insurance policy; in other cases, you will have to purchase separate coverage. Though you might not be required to carry any kind of insurance coverage other than property — the kind of insurance that pays to repair or rebuild a structure that is damaged by fire, storm, burst pipes, falling trees and other perils — you will probably also want liability ins…