Michigan Insurance Group

Flooding can happen to anyone, anywhere. According to www.floodsmart.gov  in the past 5 years, all 50 states have experienced floods or flash floods. If a flood washed down the streets and filled your home are you covered? If you watched your belongings floating by are they covered? The following 5 reasons are why you need flood insurance: 1. Floods can occur anywhere. Even if you do not live near a large body of water (which Michiganders do) a flood can happen. Floods not only occur in areas deemed high-risk but moderate-to-low risk areas as well. 2. Of course rapid accumulation of rainfall can cause a flood and Michigan weather is sure to bring rain this Spring. 3. Floods are the #1 natural disaster in the United States. - www.floodsmart.gov 4. Flood insurance is not included on your homeowners or renter's insurance policy. Your home and most important possessions may not be covered if they are damaged or lost as a result of flooding. 5. The benefits outweigh

Spring is 17 days away! As the snow starts melting we will emerge from the season of cold and snow. There is a lot to get done; lawn work, spring cleaning, etc. As you are writing your Spring to do list remember these five energy saving tips: 1. Turn it down. Every degree you dial down your heat could save you 1-3% on your heating costs. 2. Furnace tune-up. Your furnace worked extra hard to heat your home through the winter. With warmer weather ahead it is a great time to do a little tune up and clean/replace your filter. 3. DIY energy audit. Walk through your home/business and see if you are heating or lighting spaces that are not used frequently. Close vents and unplug unused devices. 4. Install a programmable thermostat. Installing a thermostat that lets you program times and temperatures can save you as much as 20% on heating costs. 5. Access the WWW. Log on to your energy company's website to see if they have a free online energy evaluation tool. So