Insights

Independent agents are not tied to a single insurance company. Independent agents work for you, not the insurance company. They have the freedom to compare policies from many companies to find the best fit for your unique needs.

An independent agent is going to provide you with dedicated advocacy during the claims process and throughout the underwriting process. With an independent agent, you are not getting a sales pitch from a single company. You are getting an agent that works with several companies to find the best coverage for you.

We have office locations in Hudson and Morenci, Michigan. We serve clients from several states including: Michigan, Ohio, Indiana, Florida, and Tennessee.

While we are here 8:30-4:30 weekdays, it is not always necessary to come into one of our office locations. We have several ways to serve without the office visit being necessary. Contact us any time to find out what we can do for you.

Of course. We do this for many people. Many times we are the best fit for your insurance needs, sometimes we are not. We will review your current coverage and see what we can do for you. We will not be dishonest with you in an effort to gain your business. We are proud to be the agency that people trust for their insurance needs. We take that trust very seriously.

No, a standard home insurance policy typically does not cover a flood. It typically does not cover surface water coming into the home from outside. You need a separate flood insurance policy.

Absolutely you can! Sometimes up to 25%. You might also be surprised to know that a life insurance policy, or an umbrella with the same company can also qualify you for a discount on your home insurance.

The age of the home, the size of the home, the location of the home, your claims history, your credit-based insurance score, your supporting policies, and the year of the most recent roof replacement are some of the biggest factors.

Much like with auto insurance, you and your neighbor may have very different costs of home insurance, depending on each situation.

Standard home insurance usually provides little to no coverage for a home-based business. In fact, you should discuss any business done at your home with your insurance agent. Commercial risks are not typically covered on a standard home policy. If you are running a business from your residence and suffer a loss, you may end up with a claim that is completely denied.

Absolutely, you do! For several reasons, but most of all, if you no longer have that job, you no longer have that coverage. You do not want to wait until that coverage is gone to start looking for life insurance. You want to try to find coverage at as young an age as possible because that’s typically when the policy is more affordable.

Each situation is different. We speak with our clients to gain as much detail about their business as possible. We use the information provided by the client, and our 30 years’ experience in the industry to determine the coverage needed. From there we begin the quoting process. Once the quotes are complete we typically meet with the client again to go over the coverages and the prices. The client will have significant input in helping us determine the right coverage for them.