Michigan Insurance Group

You may be running a home business operation out of your house that is insured, but NEWS FLASH! The business isn’t covered under your  homeowners insurance policy . Not only do you have work property that could be damaged, destroyed or stolen, but you also have data and business income whose value wouldn’t be covered under standard home insurance. Additionally, you might have inventory or the property of others stored at your house. If it is lost or destroyed, you will need coverage from a small-business policy. The good news is small companies and sole proprietorships are booming in the United States, and insurers have responded with multiple types of insurance policies for in-home businesses. Some are written for the most basic protections — property loss and liability claims — while others are highly specific about the type of business you run, such as catering, cosmetic sales, tailoring or music lessons. Notice that some at-home businesses involve children and other client

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 ou

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

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