April 2, 2012


When you think of an umbrella, the first thing that comes to mind is an object that shields you from the rain.  There are other kinds of umbrellas out there, and yes, they are a form of insurance.   Insurance umbrellas also give you protection, but not from the elements created by Mother Nature.  Following are five reasons everyone should carry an umbrella policy. Peace of mind – you might trust yourself, but can you trust your sixteen year old driver?  Or the neighbor who invites their friend to your house for a get-together?  Remembering that an umbrella provides liability protection for incidences that happen at … Continue reading

March 26, 2012

6 Ways to Lower Your Home Insurance Rates

Many clients ask me what they can do to accumulate discounts on their home insurance to lower their rates.  There are a variety of ways to do this while making your home a safer place for you and your family.  We have highlighted some big ticket savings below: 1.  Install Central Alarms – the higher your home’s security level, the better off you are in terms of suffering from a theft claim.  This has an impact on your insurance rates!  The better the alarm type, the greater the discount. 2.  If you aren’t using your woodstove, take it out of … Continue reading

March 19, 2012

5 Ways to Reduce Your Auto Insurance Rates

In today’s economic climate, the majority of people are looking for ways to save money.  Unfortunatley, there are no coupons for insurance. However, there are ways to save money on your auto insurance rates.  The following are five ways to reduce your auto insurance rates. Review your collision options (did you know there are three levels in Michigan?) Work on your credit.  Sorry to say it, but credit plays a big role in determining insurance rates.  They call it an insurance score (but it uses credit as one determining factor.) COMBINE, COMBINE, COMBINE!  Multi policy discounts (MPD’s) are where it’s at.  I … Continue reading

The healthcare open enrollment period for 2022 individual and family health plans starts November 1 and runs through January 15.

Healthcare Open Enrollment