Michigan Insurance Group

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 www.michiganinsurancegroup.com or give us a call. 616.755.3000 | 231.755.3000 Written by Karlee Miller Creative Administrator www.michiganinsurancegroup.com

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 Insuranc

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. Anot