Welcome to the Entrust Insurance Blog
Our goal is to provide tips, advice and information on how to live your best life without worry!
Do I Need PIP Coverage if I Have Medicaid? – Michigan
One question that often arises is whether you still need Personal Injury Protection (PIP) coverage if you have Medicaid in Michigan. When it comes to car insurance, understanding the nuances of coverage options can be challenging, especially if you are already covered...
Collision Insurance: What It Is & How to Know If You Need It
Collision insurance is an optional auto insurance coverage that helps to cover the costs associated with your vehicle when you are in an accident. While it’s an optional coverage option in Michigan, the vast majority of lenders who finance leases and auto...
Winter Driving: Does Your Michigan Auto Insurance Have You Covered?
While it isn’t technically winter just yet, the Michigan weather suggests otherwise. Snow on the ground, temperatures below freezing, it all makes for less than ideal driving conditions. According to the US Department of Transportation, more than 115,000 people are...
What Is Home Warranty Insurance & What Does It Cover?
For many, your home is your most expensive asset you will ever own. And that’s not just the general structure of the home, but all the appliances and assets inside. An optional coverage many consider, is home appliance insurance also known as a home warranty. This...
What You Should Do If You Get into an Auto Accident
No one wants to be in an auto accident, however there are roughly 6 million car accidents each year, which is roughly 16,000 per day. According to the CDC, auto accidents are the second most common cause of injury in the US, behind only...
The Top Money-Saving Tips for Homeowners Insurance
We recently spent some time breaking down ways you can save on your auto insurance policy and now it’s time to look at money saving tips for your homeowner’s insurance policy. While some of the tips for auto apply to your home insurance, there are...
Homeowner’s Insurance 101: What You Need to Know
In the insurance world, most people (and major insurance companies) focus on insurance policy rates. What often gets overlooked or completely ignored is the substance behind your home insurance policy. In other words, little time is spent understanding what your...
8 Ways to Save Money on Your Auto Insurance Policy
Many simply look for the cheapest rate when it comes to auto insurance. This can be a dangerous approach to coverage, especially as it relates to auto insurance given changes to the no-fault policy. Instead of sacrificing your well-being with minimal coverage and...
What’s the Difference Between Independent Insurance Agents & Exclusive Agents?
Choices. That is the primary difference between working with an independent/broker agent and a captive/exclusive agent. In the former you can choose between various carriers and options for your insurance. On the other hand, when working with an exclusive agent, you...
How Michigan No-Fault Auto Insurance Reform Impacts Medicaid & Medicare Participants
One of the key changes coming from Michigan’s no-fault auto insurance policy reform is your ability to select coverage options when it comes to Personal Injury Protection (PIP). We’ve been talking a lot about Michigan’s no-fault auto insurance reform on our blog, and...
Get Ready: Michigan No-Fault Reform Kicks in July 2
The Michigan No-Fault Insurance reform is set to go into effect on July 2. While the reform was positioned as a cost savings for all auto insurance policy holders in Michigan, that might not actually be true for some drivers. The new reform allows motorists the...
4 Auto Insurance Policy Updates You Should Make as Michigan Opens Up
Insurance related news captured a lot of headlines in response to the COVID-19 crisis. Stay at home orders and social distancing drastically changed our day-to-day lives and therefore our needs as it relates to insurance, specifically auto insurance. Fewer people...
12 Ways to Save Money on Home & Auto Insurance
Given the impact the COVID-19 crisis has had on people in the United States and around the world, many are looking for ways to save money wherever they can. With over 22 million jobless claims as a result of the crisis and more on temporary layoff from work, the...
2020 Michigan Auto Insurance Reform: Dates, Deadlines & What You Need to Know
In Michigan auto insurance can be a pain point for many Michigan drivers, especially in certain zip codes where rates have been rapidly rising over the last few years. As policy prices have continued to rise, the number of drivers without auto insurance has risen with...
Commercial Auto Insurance On The Rise in St. Clair Shores Michigan
Whether you are transporting tools to a worksite or delivering food to customers – companies of all kinds rely on safe and functioning vehicles to serve their customers. If you are using a vehicle for your business, commercial auto insurance is a must! However, there...
Changes to Auto Insurance Premiums in Michigan are coming on July 1st
Drivers will now have a choice when it comes to coverage level and the Michigan Department of Insurance and Financial Services has launched a website to help consumers navigate the process. The website shows the various coverage levels, the paperwork and documentation...
Do you know the importance of umbrella insurance?
With February 11th being Umbrella Day, we want to take time to explain that umbrella insurance is not for umbrellas! Umbrella insurance provides extra liability coverage for you or your business. This helps protect you or your business from large claims or lawsuits...
American Heart Health Month
Knowing the facts about heart disease can help increase your chances of avoiding or overcoming heart disease. The first thing to know is that it can happen at any age. Heart disease occurs more often in younger adults than you may be aware. Higher rates of obesity and...
St. Clair Shores: Generator Safety Tips
Choosing the right generator is the first step in generator safety. Here are a few easy ways to figure out which size generator is best for you, provided by Red Cross. Add up the power requirements of the appliances and devices you will want to use. Add up the wattage...
St. Clair Shores Homeowners Insurance: What is and isn’t Covered
If you have a home, you probably have homeowners insurance. Mortgage lenders usually require it and for good reason. Any big investment should be insured in case something was to happen. What bigger investment can you make than your home? Just because you have...
Tips to Keep Your Pipes from Freezing
St. Clair Shores winters can be frigid. Protect your home from freezing pipes during the cold Michigan days and nights. Before the temperature drops Watch the weather to stay up to date on freezing temperatures, and take the following precautions. Insulate pipes in...
Benefits of Commercial Auto Insurance
Are you a business owner in the St. Clair Shores, Michigan area? Do you provide your employees with vehicles to transport materials, meet clients, etc.? If you have company vehicles, it is important to protect your staff and vehicles with the proper auto insurance....
Stay Safe While Driving on New Year’s Eve in St. Clair Shores, Michigan
Driving Dangers on New Year’s Eve Drinking and driving is the common cause of roadway accidents during the New Year’s holiday. Traditionally, this holiday has been marked by champagne toasts and all-night open bar specials. In Michigan, weather conditions at this time...
The Dangers of Ice Dams
Ice dams are ridges of ice that form on the edges of your roof and block melting snow from draining off your rooftop. Ice dams can cause major damage to your home, including: tearing off rain gutters, loosening shingles, and causing water to back up and drain into...
Winter Driving Tips for St. Clair Shores Michigan
As the winter rolls on, driving in the Michigan snow will become a common occurrence. An ounce of preparation will pay dividends when it comes to staying safe while driving in poor road conditions. Get Your Car Serviced: It doesn’t matter what season we’re in, no one...
Should I Keep Motorcycle Insurance in the winter?
As a motorcycle rider, it is hard to see the temperatures drop and the snow start to hit the streets of Michigan. However, an even harder question for some: should I keep my motorcycle insurance during the winter if I am not riding? While you may think you are saving...
Holiday Travel Tips
As if the holiday season wasn’t crazy enough, some folks choose to travel to see loved ones or as a getaway with the time off from work. Those who choose to literally go the extra mile for the holidays are true heroes because the holiday travel scene is crazy....
Benefits of Having General Liability Insurance
Chances are you already know that protecting your business with liability insurance is a good idea. What you may not know is that liability insurance can be the key to growing your company in the future. Insurance is more than just a layer of protection – it’s an...
Holidays: Perfect Time to Test Smoke Detectors!
During the holidays you will be hosting family and friends at your home. You might be cooking food, lighting candles, or lighting a fire in your fireplace. With all these things going on in your home, testing your smoke detectors should be part of your to-do list. A...
How to Buy Business Insurance
If you own a small business, you need business insurance. That might seem like pretty obvious advice, but 44% of small businesses have never purchased any business insurance, even after operating for over a year! Those companies took a huge risk and if they didn’t...
Changes to Michigan’s No-Fault Auto Insurance
In May 2019, Michigan’s House of Representatives and Senate passed a law to fundamentally alter Michigan’s no-fault auto insurance law. Michigan has the highest auto insurance premiums in the country and has for the past 6 years. Due to public outcry, this deal was...
Brief Explanation of Michigan’s Auto Insurance System
If you’re new to Michigan you may be aware that the state has a reputation for expensive auto insurance due in part to the state’s “no-fault” auto insurance law. Parsing the legal language about what no-fault auto insurance is and how it affects you as a driver can be...
Fall Homeowner Checklist
Fall Homeowner Checklist When it comes to being a homeowner, winter can mean many things: hours spent shoveling snow, possible damage to your home, and rising costs of utilities from heating your house. Fall is the perfect time to take some preventive measures that...
National Fire Prevention Month: Fire Escape Tips
October is National Fire Prevention Month. As every homeowner knows, having a plan in case of a house fire is a necessity. The American Red Cross found of the 80% of people who said everyone in their house knew what to do during a fire, only half of those respondents...
Michigan Fall Road Trip Ideas
With fall just around the corner, we know that means it’s time to take in all of the beautiful colors that Michigan road trips have to offer! Michigan is one of the best states for experiencing the natural foliage of fall, and the drive is the best part! You might be...
Tips for Purchasing Commercial Insurance in Michigan
If you are looking for insurance so that you can open your own business in Michigan, it can be a tricky situation. At Entrust Insurance, we understand how important it is that you get insurance coverage to protect all of your belongings. Here are some great ways to...
Quit Paying for Insurance Commercials. Instead, Pay for Good Coverage.
The following is a guest post from one of our clients, Rebecca. When it comes to insurance, I want something that I can afford, and I want to know exactly what I am getting. I don’t want to spend a large amount of my time trying to figure out exactly what the...
Storing Your Motorcycle in the Winter in Michigan
Michigan winters are harsh on motorcycles, so it’s important to prepare your bike properly for long winter storage. Without taking care of your motorcycle before you put it away, many things can go wrong. Failure to prepare your bike for the winter season can cost...
How To Winterize Your Boat in Michigan
Michigan winter comes in a hurry after summer vacationing and enjoying the warmer months. Failing to take the necessary steps to ensure that your boat is safe for the winter can end up costing you a fortune in both repairs and in time. Failure to winterize your boat...
Common Pain Points for Michigan Insurance Customers
In Michigan, auto insurance has the highest average cost, causing insurance clients to be forced to reduce their overall coverage so that they can offset the high costs that they are paying. Another huge problem is that when a client decides to renew their coverage,...
NEWS UPDATE: Michigan Auto Insurance Claims in Shambles
We know Michigan has some of the highest costs of insurance than any other state in the United States. If you are in an automobile accident, your insurance premium cost raises more than any other state, according to studies. Since Michigan forces drivers to purchase...
Do Michigan Homeowners Need Service Line Insurance?
There are only three insurance companies in Michigan that offer service line insurance. You might be wondering if you need this special type of insurance, and the short answer is, absolutely yes! Because of the inconsistent weather that we experience in Michigan,...
What Insurance Should You Consider for Your Michigan Business?
Protecting your business means you need to accurately assess all of the risks you face and choose a plan accordingly. Our Michigan business insurance agents can help find the right coverage for your business, whether you need to cover equipment, real property and...
How to Create a Storm or Tornado Survival Kit
Michigan storms can often turn quickly into tornado weather conditions. It’s important to be prepared for such a disaster, which is why you should always have an emergency tornado survival kit for your home. Putting together a supply and survival kit means considering...
Michigan Storms Can Lead to Tornadoes: How to be Prepared
So far, 2019 has seen a record number of storms in Michigan. For us insurance agents in Michigan, it has brought a lot of frustration for homeowners, as well as a lot of claims. In times like this, you may be wondering if it’s time to change your insurance policy or...
Does Michigan Homeowners Insurance Cover Home Renovation Projects?
For many homeowners, summertime in Michigan often means home improvement and renovation projects. You might be improving your existing kitchen or bathroom, adding a new room, or building a new patio or deck. In preparing for your project, you probably search through...
First Time Michigan Homeowners Insurance Tips
Buying your first home is exciting, but it can also be overwhelming and stressful. We know you’ve worked hard to make this investment, so you want to be sure that you choose an insurance policy that will protect your investment effectively. With a number of other...
Michigan Liability Insurance Versus Full Coverage
When shopping for car insurance in Michigan, it’s important to understand the difference between coverages and what you will need for your policy. Liability insurance is mandatory in Michigan, but there are a lot of benefits to having full coverage that may make it...
Do I Need Motorcycle Insurance in Michigan?
Motorcycle insurance is designed to protect you or another driver from financial burden in the case of an accident. The cost of repairs and/or medical bills from an incident involving a motorcycle can be costly, so it’s important to know exactly how motorcycle...
How to Create a Fire Escape Plan
How to Create a Fire Escape Plan As a homeowner insurance agent in Michigan, when we talk about house fires protection, we hear all too often: “It won’t happen to me!” But U.S. fire departments respond to nearly 370,000 residential house fires every year. House fires...
Rain, Rain, Go Away! But Wait, Does Insurance Cover Water Damage from Rain?
By now, you’re surely tired of all of this Michigan rain! But these rain pains could go beyond your mood if rain has caused water damage to your home. In fact, there are many ways that these heavy and frequent rain storms could cause destruction for your house or...
Boating Safety Tips from a Michigan Boating Insurance Agency
Michigan’s lakes have no painted lines or traffic lights to follow, and boats move in every which direction. This can create a risk of a boating accident if you aren’t careful! Knowing how to properly boat and navigate the waters is important. Steering clear of other...
General Liability versus Professional Liability Insurance.
If you are a small business owner, you know you likely need insurance to protect yourself and your assets. But, do you know the difference between general liability insurance and professional liability insurance? How do you know which policy covers different risks?...
Why it’s Important to have Flood Insurance in Michigan and Metro Detroit
Heavy rain throughout southeast Michigan raises a lot of flood insurance questions, as cars, homes and basements often suffer from millions of dollars’ worth of floodwater damage. The last couple of months alone, we’ve seen record amounts of rainfall, leading many...
The promise of lowering Michigan’s insane auto insurance rates already hits a roadblock
Democratic Governor, Gretchen Whitmer, is already threatening to veto the bill that was just passed by Senate on Tuesday. She says, “there are no guarantees costs will go down for drivers.” This is alarming breaking news for Michigan drivers. Here is a brief breakdown...
Do You Need Rideshare Insurance in Michigan if You Drive for Uber or Lyft?
If you drive for Uber or Lyft and aren't sure if you need Rideshare insurance in Michigan, read on. Let’s face it, accidents happen. Even the most careful drivers can be involved in an auto accident, but it’s often the last thing we expect when we hop into a rideshare...
Protecting Your Property with Advanced Technology
Long gone are the days of door shakers and electromagnetic contacts on a homeowner’s doors and windows. Both of these security tactics were meant to keep out unwanted visitors, also known as burglars. The electromagnetic contact security system was extremely high tech...
Michigan Car Insurance Laws
If you are in the market for car insurance in Michigan, it’s worth your time to get to know Michigan’s car insurance laws so you can make sure to meet the requirements. Michigan Secretary of State’s auto insurance law requires that all drivers present current proof of...
Will Insurance Replace or Repair a Damaged Roof?
When a natural disaster strikes Michigan, having great homeowner’s insurance can make all the difference. Your home’s roof is its first protector, so it’s important to properly care for your roof. Without regular maintenance and care, a storm could lead to damage...
Why It’s Better to Use a Local Michigan Independent Insurance Agent
When you purchase your auto or home insurance directly with a Michigan insurance agent, you essentially cut out the ‘middle man’. Direct underwriting companies are those such as Geico or Progressive. These same big-name insurers are also doing business with...
You’re Ready for Michigan Boat Season. Is Your Boat Insurance Ready, too?
A boat is likely one of your most valuable possessions, whether a yacht or a fishing boat. Having the right Michigan boat insurance is extremely important, just in case you suffer from damage or theft. Let’s take a look at how Michigan boat insurance policies work....
Michigan Auto Insurance Rates: Men Are Higher Risk, but Women Pay More
We have all heard of a gender wage gap, but a car insurance premium gender gap, too? As it turns out, Michigan has a hefty one. On average, women paid $79 more every year than men in 2018 for the exact same automobile insurance. This is the second biggest gender...
What to do Immediately After a Car Accident
If you have been in a car accident in Michigan, there are several things you need to consider as well as a few actions to take with your Michigan auto insurance company. First, reach out to your car insurance agent immediately after the accident. Your insurance agent...
Insurance Tips: What to Do After Wind or Storm Damage
Springtime in Michigan can bring big storms, heavy rains and gusty winds. If storms cause damage to your property or home, you will need to file a claim with your insurance company. Severe storms can bring about potential complications when it’s time to collect your...
Spring Forward and Change your Smoke Detector Batteries!
Daylight saving time officially ends this weekend on Sunday, March 10, at 2:00 a.m. While a lot of today’s consumer electronics will automatically ‘spring forward’ one hour, you will need to manually change your clocks an hour forward on many household appliances. And...