Tag Archives: Home Insurance Michigan

“What If” Wednesday: Are You a Seasonal Homeowner or a Snowbird?

snow bird homeowners insuranceFor most of us, Labor Day means the end of summer. Whether you are a seasonal homeowner or a snowbird, now is the time to winterize your home. So before you head South or stay in your Michigan home, plan accordingly to avoid damage and expensive repairs in the spring.

To assist you in this process, here is a helpful checklist:

read more

Posted in Homeowners Insurance | Tagged , , , | Leave a comment

“What If” Wednesday: Is Your Homeowners Insurance Still Adequate?

Homeowners InsuranceWhat If it’s been a few (or more than a few) years since you first purchased your home and the homeowners insurance to protect it?

Now is the time to make sure your coverage is still adequate in light of decreasing home values and rising replacement costs for housing.

Often, homeowners are not aware that the amount of insurance coverage they need is actually greater than the initial amount of their mortgage—or their current property value. The insurance you buy for your home should be directly related to the cost of rebuilding it. This relationship, called insurance to value, or ITV, is especially important now since home values in general have decreased, while the cost of replacing, rebuilding, or demolishing existing properties have risen.

read more

Posted in Homeowners Insurance, Uncategorized | Tagged , , , | Leave a comment

Ensure Your Summertime Fun

One Huge Fireball…

“The oil to fry the turkey was too hot and too full.  Once the turkey went in, the oil bubbled over, caught the paper tablecloth on fire, and lit the grass on fire.  The grass fire then ignited a pile of fireworks, which were supposed to be on the porch.  This in turn led to one huge fireball, screaming crying children who will probably never recover from the panic that was set throughout, which then led to the roof catching on fire.”

read more

Posted in Homeowners Insurance, Summer Safety Tips | Tagged , , , , , , | Leave a comment