Personal Insurance Archives | Page 10 of 13 | VAST
March 11, 2013

How to take inventory of your home like a pro

Let’s be honest, no one wants to think about losing their home, and even though you might not live in tornado alley or next to hurricane central, it’s better to be safe than sorry.  You might think, “I know what I have”, but do you really?  If you were to make a list, how many things would you forget? The fact is that taking an inventory of your stuff is essential to being properly prepared for a loss.  Being able to list all of your items that were stolen, damaged, or destroyed will make everything much easier when it comes … Continue reading

March 4, 2013

National Health Care – What it Means for the Individual

By now, we know that national health care is here to stay.  It will change and adapt as the year progresses, but it will stay.  There are two components of the new national health care law, the individual and the group.  Due to an increase in client questions regarding the individual marketplace, we will focus on that segment here. The Background What is an Exchange anyway?  In its most basic form it is a set of government-regulated and standardized health care plans from which individuals may purchase health insurance. Each invidual state has the option of 1.) joining with the … Continue reading

February 25, 2013

Should I Insure My Winter Sports Equipment?

Every year, thousands of sets of skis or snowboards are stolen from resorts and hills across the country.  With ski sets and snowboards ranging from $500 to $1,500 in value it’s worth contacting your agent to add them to your homeowners or renters insurance policy.  Still, many people don’t insure their winter sports equipment and are stuck with the bill for purchasing new equipment.  With policies costing pennies on the dollar, it is a cost effective investment to protect your property. To learn more about insuring your winter sports equipment, contact Heather Mosher | 906.315.7235 |

February 18, 2013

Diamonds: to Insure or Not to Insure – That’s an Easy Queston

Marilyn Monroe wasn’t lying when she sang at the top of her lungs that “diamonds are a girl’s best friend!”  I would argue that diamonds aren’t only our friend, but our feel good on a Saturday night jewelry item, and the only thing that beats a piece of dark chocolate on a bad day. But are you taking care of your friend the way you should be?  According to Rough Notes, a leading insurance industry publication, it is estimated that fewer than 25% of women’s diamond rings in the United States are insured.  This is a surprising number given the … Continue reading

February 11, 2013

Tips for Your First Car Insurance Policy

So you’ve graduated, you’ve moved out, and now you’re on your own.  There are a lot of “firsts” ahead of you and car insurance just so happens to be one of them. A little background knowledge can go a long way in helping you get the right coverage.  It might even save you some money along the way. Let’s talk coverage! What kind of coverage is right for you? Short answer: It depends.  There are many different types of coverage that make up an auto policy but, I want to focus on the main 3: Liability, Comprehensive, and Collision. $-Liability … Continue reading

February 4, 2013

How Does Health Insurance Work With PIP?

Lately I have received several questions about how health and disability insurance policies work with PIP.  We thought it was a good topic to discuss, so the following post will explain how it works. What is PIP? PIP or Personal Injury Protection 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 MCCA or Michigan Catastrophic Claims Association.  Every vehicle that … Continue reading

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

January 7, 2013

Protect Your Home from the Abominable Snowman

It has become habit for many to buy snow-tires and get a tune-up on their car before the winter season, but what are you doing to protect your home from Mother Nature’s fury.  It’s easy to say, “Oh my home’s fine.  I’ve never had anything happen before.”  Well, next thing you know, your roof collapses and you’re watching the big game on your very own snow couch. You’d be surprised how a few simple steps can help protect your home from the Abominable Snowman. Protect your Pipes Prevent the nightmare of a pipe bursting this winter by following a few easy … Continue reading

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