January 29, 2018

Understanding Health Insurance Terminology

The majority, if not most, of our population is covered by a health insurance policy. Whether you have an individual health policy or coverage through your employer, we are all required to have health insurance. Having insurance isn’t as simple as just being covered whenever you seek medical attention. It is very important to understand the design of your insurance policy to know what your out of pocket expenses are going to be. Health insurance policies have terminology such as deductible, coinsurance, and out-of-pocket maximums that many people think of as a foreign language. In my post today I’m hoping … Continue reading

December 28, 2017

Why do I Have Medical Payments Coverage on my Home Insurance?

“Why do I have medical payments coverage on my home insurance?” This is a question that comes up quite often when people discuss their home insurance policy with me.  It’s actually a great question, because at first glance this doesn’t seem like a coverage that should be associated with your home. That’s what you have health insurance for, right? The truth is that this coverage actually isn’t for you, or any of your household members for that matter. Allow me to elaborate. Medical payments coverage is only for non-household members. Essentially, it is a good faith payment that your home … Continue reading

December 22, 2017

Tis the Season

It is hard to believe that the holiday season is upon us. With all of the magic and joy the holiday brings it is important to be reminded that it also brings an increased risk of fire or loss. So while you are sipping on your hot cocoa and dancing around the Christmas tree while decorating, please remember these tips and reminders for this season so you don’t become one of the statistics below [statistics from the National Fire Protection Association report from November 2017]. Tips and Reminders Chose a tree that is fresh, trim base of tree to increase … Continue reading

December 20, 2017

Cooking Safety for the Holidays

It’s just about that time for casseroles, football on TV, elastic pants and the yearly visit from all of the family you (mostly) love! Yes, the holidays are at the front door and so is the chaos and holiday cheer that comes with it. While most of us are making our extensive grocery list and checking our pantry for those essential ingredients, there’s often one thing that’s overlooked during all of that prep: cooking safety. Oil fires, boiling water, and sharp objects pose a danger to even the most seasoned chefs. Here are just a few quick tips to make … Continue reading

December 15, 2017

Vehicle Deer Accidents

According to the Michigan State Policy, “Each year there are nearly 50,000 vehicle-deer crashes in Michigan. About 80 percent of these crashes occur on two-lane roads between dusk and dawn.” As deer and other animals movement is more prevalent during the nighttime hours, it makes it extremely difficult to see these types of animals while traveling in a vehicle at any rate of speed. This is when the saying “deer in the headlights” can become a reality.  The driver also often times have little or no time to react, so what can you do in these types of situations? According … Continue reading

November 22, 2017

Driving in Poor Weather Conditions

The end of October and into November brings variable weather conditions each year, especially in the Upper Peninsula.  So far this autumn we’ve already experienced gale force winds knocking down trees throughout the area and creating 29 foot waves on Lake Superior, heavy rains, and even a light dusting of snow! With these different weather changes, it is very important that drivers take precautions when setting out on the road each time.  Auto is a loss leader in the insurance industry, and auto accidents can be very scary and costly. Some tips to keep in mind each time you get … Continue reading

November 8, 2017

Home Maintenance Tips for Fall

Fall is here! It is time to prepare your home for the winter season and take care of any potential problems before they arise. Here are some suggestions for fall maintenance: Check smoke detectors and change the batteries in each detector. Inspect your fire extinguisher to be sure it’s fully charged. Or, if you don’t have one, make sure to purchase one. If you have a fireplace, have your chimney cleaned. Check gutters and downspouts to be sure they are secured properly to your home. Don’t forget to clean out any leaves or debris that may be accumulating in them … Continue reading

October 26, 2017

Trailer Safety

Nervous about towing a trailer? With the right equipment and some practice, towing can be almost as easy as regular driving! No matter how comfortable you are with towing a trailer safety should always be a high priority. Here are some safety tips for towing a trailer: Safely connect the trailer to your vehicle. Use the locking mechanism and be sure the lock pin is in place. The lock pin is a small, often overlooked component that has the most important job in the hitch. A trailer connection to a vehicle should also have two chains, crisscrossing in an X-shape, … Continue reading

August 22, 2017

Protection for the People You Love

Most people wouldn’t even consider NOT putting insurance on their new home or car. You want those items repaired or replaced if they are damaged. We receive requests on a daily basis to insure cars, homes, and recreational vehicles.  But the calls we receive to purchase life insurance are less common. Why is that? Life insurance protects the people in your life, which I believe most people would agree is more important than their home or car.  I understand a person cannot be replaced and thinking about your own mortality is not necessarily pleasant, but it is necessary. Loss of … Continue reading

August 15, 2017

The Voice on the Other End of the Line: VAST’s Emergency Claims Phone

It’s 7 PM on a Saturday and you discover a major leak in your roof following a storm.  After taking care of the immediate needs of the situation, can you call your insurance agency at this time of day and week to notify them of the damage?  If you’re a client of VAST’s, the answer is YES! Other insurance agencies may be only available to take information on a claim during regular business days and hours.  VAST has an option for our clients, who have an after-hours emergency to call and receive help. Our job is to advise you to … Continue reading

Our foundation may be insurance, but we have evolved, and so have the solutions that we provide.