Tuesday, April 23, 2019The use of credit scores and insurance has been an on going debate for decades. When I started in the industry back in the 90's, credit was not being used in Michigan. At one point the company that I was with began using credit to determine rates, but it was simply a rating of Acceptable or Not Acceptable. READ MORE >>
Tuesday, April 16, 2019From time to time, auto insurance rates will increase. Most often, this happens due to the cost of living rising. However, many people can save money by asking their insurance agent about savings options. If your prices are on the rise, take these steps to ensure you are paying the least amount necessary. READ MORE >>
Monday, April 8, 2019When I started in the Insurance industry over 20 years ago, nearly everybody had health insurance that was "coordinated" or "primary" with their auto insurance. What that means is that your insurance from work (BCBS, Aetna, United Healthcare, etc.. READ MORE >>
Thursday, April 4, 2019Owning a business has perks, but there’s definitely a certain level of liability that comes with being your own boss. That’s why many entrepreneurs opt for an LLC structure instead of a sole proprietorship. Under LLCs, your personal assets are virtually untouchable. READ MORE >>
Tuesday, April 2, 2019Turning 18 means you are officially an adult. Now, you’re responsible for all of your own life choices and decisions. You may already be driving. You may own a car, or you are planning to purchase one. Your goal should always be to have a policy that matches your life and your needs. READ MORE >>
Thursday, March 28, 2019When a fire, storm, or act of vandalism damages your home, you want to get it fixed as soon as possible. Home insurance may provide you with the financial means to pay for these types of repairs. However, you shouldn’t rush into choosing a contractor for the job. Doing so could cause you financial loss in the long term. READ MORE >>
Tuesday, March 26, 2019Each state sets laws determining who handles paying for an accident after it occurs. When two parties collide, determining fault is not always the goal. In some states, each person’s insurance pays for the losses. How does this work? Are you in a no-fault or at-fault state? READ MORE >>
Thursday, March 21, 2019When a storm comes through any community, it can cause damage to property in a matter of minutes. Many times, the damage comes in the form of structural losses, such as the roof blowing off the property. Other times, it creates risks that go further, such as leaks that can cause you to lose the inventory in your business. READ MORE >>
Tuesday, March 19, 2019A bird may seem like a small, simple animal. However, it can cause damage to your assets including your car. If you have bird-related damage to your car, your auto insurance policy may cover it. Whether you have coverage depends on many factors. Among them is what type of coverage you have. READ MORE >>
Thursday, March 14, 2019A small leak is all it takes. Within a short amount of time, the insulation in a roof can develop mold. The interior of the roof may have structural deficiencies as a result. When a situation like this occurs, it becomes essential to find a solution. Home insurance may not cover this type of damage. READ MORE >>
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