Homeowners insurance is a must if you own a home. It's important to have the right information ready in order to get the best policy built for your situation. You don't want to be undercovered, or overcovered and overpaying. We can avoid many of these issues by having...
Are you calling around looking for quotes? When you are on the phone with an agent, you shouldn't be having a short call. An agent who cares will spend a good amount of time having the right conversation with you. Our owner, Pat Brenned, explains why a longer...
Do you want to know if you qualify to opt out of PIP coverage on your auto insurance policy? What determines if you qualify? Personal Injury Protection (PIP) used to be mandatory. This proved time and time again to be quite expensive for Michiganders. Let’s go over...
You have different deductible options for your insurance policy, but what is the most sensible option? You can have either a higher deductible or a lower one. A higher deductible may offset monthly costs but not in the long run. For example, if a tragedy happens then...
It is a huge benefit for you to speak to an agent. Why? Insurance companies do not want you to make a purchasing decision without understanding how your insurance policy is built and how it benefits you. Companies like us are client focused. We will educate you on...
Should you talk to your agent more frequently? The housing market is impacting homeowners insurance policies everywhere. Unfortunately, many homeowners are undercovered on their homes right now. This could result in more out-of-pocket costs and less insurance payment...
Is it possible for the housing market to affect my policy as a first-time home buyer? The answer is yes. There are many factors that come into play. Your premium has a lot to do with your home's market value. Home values have exponentially risen in a very short amount...
Is it possible for the housing market to affect my policy? The answer is yes. There are many factors that go into play when determining your premium. A major piece of that is the value of your home. If you bought a home 3 or more years ago, your home value has likely...
Are you wondering what the different types of insurance agents are? Captives have their pitfall which includes not being able to shop more prices for you. Brokers are able to get you the best price and coverage possible by shopping all different insurances for you....
What is homeowners insurance versus condo insurance? What are the similarities? What are the differences? While there are some similarities, there are some things that make each unique. In a condo, you don't insure the entire dwelling. That makes it different from...
