Michigan Insurance Group

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 coverage – Renter’sinsurance costs about the same as eating out once a month or about as much as on

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 p

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 occupied Provides coverage for structure: the house itself, other structures: detached garage Provides liability protection: someone sues the homeowner Additional 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 owner Provides coverage for structure: the house itself, other structures: detached garage Provides liability protection: only for the homeowner, not for the tenant Loss of rents: pays homeowners loss of rent from tenant if home is damaged by a covered loss* Land

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. M