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Who Are The Best Insurance Agencies in Traverse City, Michigan

Posted: in Commercial Insurance , Insurance , Michigan , Risk Management , Small Business 1 month, 1 week ago

Each year, our Top O’ Michigan team works with thousands of individuals and businesses throughout Michigan with respect to their insurance coverage. We are often asked who some of the other insurance agencies are in the area.

What You Need to Know About the Slippery Scenarios of Water Damage and Your Insurance

Posted: in Health Insurance 2 years, 8 months ago

Water damage is one of the most common causes of insurance claims for homeowners and businesses. At the surface, water is water...right? Unfortunately, burst pipes, backed up drains, flooded basements or a leaking roof will lead one to discover the details of their insurance policy - finding that all water damage is not the same according to the insurance policy ...

How Much Liability Insurance Is Enough?

Posted: in Accident , Claims , Homeowners , Insurance 3 years, 2 months ago

How much liability insurance is enough? $1,000,000 is an awful lot of money, right? That certainly seems that most people would be comfortable with these limits but should they be? Since every individual and business is unique, it can be hard to conceptualize possible scenarios where a large liability loss would occur. 

What to do in the Event of a Claim

Posted: in Accident , Auto Insurance , Claims , Home , Homeowners , Insurance , Loss , Risk Management , Small Business , Workers Compensation 3 years, 3 months ago

Experiencing a loss to your property or worse yet, bodily injury or death is a very stressful time. It may be difficult to know what your next steps are after making sure everyone involved is okay or being treated by emergency responders. Here are a few tips to help guide you through a loss and claim process whether it is ...

How Does the Increase in Cost of Construction Impact Your Insurance?

Posted: in Claims , Home , Homeowners , Loss , Risk Management 3 years, 4 months ago

By now, you are most likely well aware of the rising costs of construction materials. These rising costs have been noted but many individuals and business owners may not be fully considering its implications on insurance policies. According to an Associated Builders and Contactors analysis, lumber prices have risen by 73% since April of 2020. Lumber isn't the only construction material ...

8 Life Events that Affect Your Insurance Needs

Posted: in Claims , Homeowners , Insurance , Life Insurance , Loss Control , Michigan , Risk Management 5 years, 4 months ago

Think about your most recent favorite show to binge watch. The characters continue to develop and deal with a lot of uncertain changes through each season. Unlike these characters, our lives are not scripted and that means there is a lot more unknown in life that we need to prepare for. As we age and reach different milestones in our ...

The Cheapest Auto Insurance Could Be an Expensive Mistake

Posted: in Accident , Claims , Insurance , Loss 5 years, 8 months ago

The Dangers of Buying Insurance Only on Price Insurance is an essential investment that helps by providing critical financial protection in the event of accidents, fire, theft, injury/death and more.  The other side of this is that many view it as a pricey investment each year but it is more affordable than paying these costs out of pocket.  Depending on ...

The Home-Sharing Basics

Posted: in Claims , Home , Home Sharing , Homeowners , Insurance , Vacation 5 years, 9 months ago

What You Should Know Before Home-Sharing? By now, you have probably heard of the popularity in ride-sharing (Uber, Lyft) and home-sharing (Airbnb).   Maybe you have even considered joining one of these home-sharing websites to earn some extra money.  However, there are a number of risks that homeowners should be aware of before entering into any of these activities.  

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