January 28, 2013

Fast Facts From Michigan’s Personal Injury Protection Reform Argument


Governor Snyder is currently doing his best to push for the lowering of Michigan auto insurance rates through Personal Injury Protection [PIP] reform.  This includes recognizing that Michigan is currently the tenth most expensive state when it comes to no-fault insurance. What is PIP and how does it affect Michigan drivers?  PIP is a specific coverage that is found on all Michigan auto policies.  In this state, if you are injured in an auto accident, you have access to lifetime unlimited medical care.  In order to fund this type of system, the state of Michigan has established an organization called the … Continue reading

January 21, 2013

10 Cheap and Easy Ways to Lower Your Energy Bill This Winter


Winter is a high energy use time period due to many things like holiday lights, increased time spent indoors, and cold temperatures.  For the family who is concerned about their energy consumption, here are some easy and affordable ways to reduce it. Caulk and/or weather strip your windows, doors, ceiling fixtures, outlets and other small areas that could be leaking air. Check your appliances – the numbers vary, but close to 30-40% of your households electricity use could be coming from your appliances.  (Turn your refrigerator to 37 degrees, use the air dry function on your dishwasher, wash clothes on … Continue reading

January 14, 2013

Fireplace and Woodstove Care for Winter


Believe it or not, winter is almost at it’s peak.  We are coming into the coldest and most severe part of the year from a weather standpoint.  It is at this time which fireplaces and woodstoves are used most heavily.  While these supplemental heating sources not only help our energy bill, but give us a warm fuzzy feeling  – it’s understandable that their utilization goes up in the winter months! With increased use, comes increased potential for house fires and smoke damage.  It is vitally important to keep a watchful eye on your supplemental heating units to avoid putting yourself … Continue reading

October 29, 2012

4 Simple and Effective Ways to Monitor your Teen Driver


Teen drivers continue to be an important topic for our clients. Lately, we’ve had many questions regarding different ways for parents to protect their teen drivers once they’re on their own. Letting go is the hardest part, so here are four ways you can make that easier. There’s an app for that In the era of the smart phone, there is an interesting spin on this. How about an APP to help protect your teen driver? There are many options out there including Protector which is an in-car tracking system that does some cool things like impair your child’s smart … Continue reading

October 22, 2012

Umbrella Policies – What are they and do I need one?


This is the second in a series of video blogs designed to answer our customers most frequently asked questions. Today’s blog is about two things: What is an umbrella policy? How do you know if you need one? An umbrella is a liability policy, so it’s important to understand what liability protection actually means.  Liability is that thing that’s going to protect you and your assets if you’re found negligent and someone tries to come after you; often in the form of a lawsuit. So, liability is already found on most insurance policies that you can purchase.  For instance your … Continue reading

October 15, 2012

No-Fault Insurance In Michigan Explained


Today and we’ll start the first blog in a series designed to answer our customers most frequently asked questions.  Our first topic is no-fault insurance and what this means you as a driver in the State of Michigan.  No-fault insurance in its most basic terms means that if you are driver and you get into an accident with someone else on the road in the State of Michigan, you’re going to go back to your own insurance company and have your claim filed.  The other party is also going to go to their own insurance company and have their claim … Continue reading

October 1, 2012

3 Things Your Insurance Company Wants You to Know About Wood Stoves


When it comes to heating a home for the winter months, more and more people are turning to wood stove installations to supplement their heating costs. While the pros generally outweigh the cons, there are some important things your insurance carrier will ask about before approving coverage. 1. UL approval – acceptable wood stoves will need to carry a UL approved label including important information about the size, make, and model of the unit. A surprising amount of people have homemade style wood stoves installed in their homes. Due to lack of controls on these stoves, they are generally unacceptable and you could find yourself without an … Continue reading

September 24, 2012

Life Insurance – more affordable than ever


Watching a recent episode of AMC’s Mad Men (set in the 1960’s era in New York) – I had to stifle a laugh at the character portrayal of the old school life insurance salesman. It was the typical middle aged man dressed in a suit and carrying a briefcase with charts upon charts of life insurance prices. Yes, they made house calls. Oh, and sold primarily to men. Fast forward 50 years and the world of life insurance has changed dramatically. Approximately 35 million middle class households in the United States are with little or no life insurance. This number is up significantly from even … Continue reading

August 27, 2012

Life Insurance: How Much is Enough?


One of the biggest hurdles to helping people put a life insurance plan into place is the uncertainty around how much to purchase.  There is often a lot of anxiety around the idea that the person may be under or over-shooting their needs.  This then become one of the most crucial parts of the conversation when speaking to new clients about their life insurance needs.  It would be easy to say that there is a magic formula which allows us to give each person an EXACT amount of coverage if that time ever arises.  The fact is, there is not … Continue reading

August 20, 2012

What is the Michigan Mini Tort


The state of Michigan has had many changes to auto insurance coverage and rates this past year. There also continues to be many items up for debate. This year one of those items revolves around the Michigan Mini Tort. With auto insurance policies in the state already being complicated for consumers to understand, this adds one more element or coverage that most drivers are unaware of or don’t understand. What is the mini tort coverage and why does it exist? With the no fault auto insurance system, there is often confusion as to how claims are handled in the event of a collision accident. For … Continue reading

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