Shield Insurance Agency shares 4 benefits of umbrella coverage - Shield Insurance Agency Blog

Shield Insurance Agency shares 4 benefits of umbrella coverage

Nothing gives you coverage like an umbrella coverage.

This applies to insurance too. Umbrella coverage policies provide an extra layer of protection. This extends beyond the coverage established in homeowners and auto insurance plans. When these limits have been reached, umbrella insurance kicks in. It’s about preparing for the worst.

Shield Insurance Agency understands this more than most. They want to ensure all Michigan residents have the proper protection. While there are many reasons to buy a policy, the agency lists four primary benefits of umbrella insurance.

Offers personal protection

Any insurance plan provides personal protection, but umbrella insurance extends to some unique areas. Slander, defamation, and libel are likely covered. Even false arrests or losses resulting from being wrongly accused could also be included. None of these are provided by a standard homeowners or renters policy.

Protect assets

Umbrella insurance typically has a $1 million coverage limit. So, if an incident does occur, keep your savings and future unharmed. Umbrella insurance will pick up the tab.

Lawsuits can be even more damaging than accidents. Umbrella insurance will pay for some legal defense costs up to a policy’s limit. This exists no matter who is determined to be at fault.

Umbrella Coverage Shields the entire family

The policyholder is protected. However, umbrella insurance extends to your family too. Each policy will set specific definitions for what is considered a “household.” Review your policy carefully.

Contact a Michigan insurance agent

Shield Insurance Agency can provide an umbrella to keep you safe. Their experienced agents protect you, your family, and your assets, shielding you all when you need it most. For added security and peace of mind, call to set up an appointment today.

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Best Place to Raise a Family - Shield Insurance Agency Blog

Best Places To Raise A Family

Rocket Homes | 9 MINUTE READ | FEBRUARY 05, 2022

Raising a family is as incredibly rewarding as it is challenging. There’s no doubt that heads of households want to ensure they’re giving their children every chance to thrive academically, mentally and physically, while also providing a safe space for the family unit to strengthen.

The burden doesn’t solely rest on a parent or caregiver’s shoulders. The place they choose to put down roots should also provide support and opportunity. The best cities for families to live will excel in providing safety, affordable care, open spaces to roam and quality learning, whether kids are starting kindergarten or wrapping up their high school years.

Taking those factors into consideration, Rocket HomesSM teamed up with to find some of the best locations to raise a family. This diverse list includes college towns, suburban spots, urban locales and several areas of the Midwest, meeting the needs of the country’s many different kinds of families – from those who wish to watch their kids grow up in the hustle and bustle of a big city to those who dream of the white-picket fences and treelined streets of the suburbs.

Finding The Best Places For Families

The researchers at used the following metrics to determine the rankings for the best places for families to live in the U.S.:

  • School ratings
  • Crime rate
  • Average cost of child care
  • Amenities for kids
  • Percent of households with children
  • Parks, playgrounds and greenspaces
  • Increase in households with children

1. Grand Rapids, Michigan

Population: 1,074,223

Percent of households with children: 47.9%

Average cost of child care: $9,420

Located just 30 miles from the beaches of Lake Michigan, Grand Rapids has an abundance of opportunities for kids to engage in culture, history, art and nature at more than 20 museums and the world-renown Frederick Meijer Gardens & Sculpture Park. Residents can also be sure their children will receive a good education. Grand Rapids ranks in the top 5% in the country for school system ratings, which can be attributed, in part, to the quality of life of its educators, as the city also ranks as one of the best places to be a teacher.

2. Bridgeport, Connecticut

Click here for the rest of the story…

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Marketplace Circle of Champions: Shield Agent Carlos Garcia Awarded Elite level of the 2022

Marketplace Circle of Champions: Carlos Garcia Awarded Elite level of 2022

Shield Insurance Blog | Marketplace Circle of Champions | Contact Carlos!

Centers for Medicare & Medicaid Services
Center for Consumer Information & Insurance Oversight
200 Independence Avenue SW
Washington, DC 20201

Shield Insurance Agent Carlos Martinez Garcia reached the Elite level of the 2022 Marketplace Circle of Champions by helping more than 100 consumers actively apply for and enroll in coverage!

The year-round efforts of agents and brokers play an important role in helping Americans access coverage and we are continually impressed by the dedication and commitment Carlos shows to consumers during the busy Open Enrollment Period.

This is an outstanding achievement! We thank Carlos for the trusted advice, support, and assistance you provide throughout the year to Shield Insurance Agency clients.

Marketplace Circle of Champions: Shield Agent Carlos Garcia Awarded Elite level of the 2022

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DIFS: Auto Insurance Refund Checks Are Coming Soon

Michigan Auto Insurance Rebates are Coming Soon

From the Department of Insurance and Financial Services | Insurance Rebates | Shield Insurance

Feb. 1 is National Auto Insurance Day: Governor Whitmer Reminds Consumers that Auto Insurance Refund Checks Are Coming Soon

Millions of Michigan drivers to receive $400 per vehicle refunds no later than May 9, 2022

Media Contact: Laura Hall, (517) 290-3779, 
Consumer Hotline: 833-ASK-DIFS,


(LANSING, MICH) February 1 is National Auto Insurance Day and Governor Gretchen Whitmer and the Michigan Department of Insurance and Financial Services (DIFS) are reminding consumers to be on the lookout for refund checks from the Michigan Catastrophic Claims Association (MCCA) fund surplus that will be sent out by auto insurers later this spring.

“The bipartisan auto insurance reform law I signed has saved Michiganders hundreds of dollars per year and, as a further result, auto insurance companies will deliver $400 refund checks per vehicle to drivers no later than May 9,” said Governor Whitmer. “We are putting money back in people’s pockets and putting Michiganders first as we grow our economy and continue lowering costs for families.”

“DIFS has communicated to insurers that refund checks or ACH deposits must be delivered to eligible consumers by their auto insurers as quickly as possible, and in no case later than May 9, 2022,” said DIFS Director Anita Fox. “We are working with the MCCA and Michigan’s auto insurance companies to ensure they accurately, fairly, and promptly issue these refunds.”

In December, the MCCA announced it will refund Michigan policyholders $400 per vehicle, or $80 per historic vehicle, for each vehicle that was insured under a policy that meets the minimum insurance requirements for operating a vehicle on Michigan roads as of 11:59 p.m. on October 31, 2021. The funds will be turned over by the MCCA to the insurance companies by March 9, 2022. DIFS has directed insurers to issue refund checks or ACH deposits to consumers as expeditiously as possible, but in no event later than 60 days after the transfer of funds, which is May 9, 2022.

As part of its core mission to protect consumers, DIFS is also reminding Michiganders that scammers may try to take advantage of consumers with scams or phishing operations based on their MCCA refund.

“Whenever there is a widespread distribution of funds to consumers, inevitably there will be bad actors who attempt to take advantage of the situation in order to steal personal information or money from consumers,” said Fox. “You do not need to take action to receive a refund, and if someone calls to ask for your personal information in order to process a refund – hang up and contact your insurer or DIFS.”

Consumers who have questions or concerns that cannot be resolved directly with their insurer should contact DIFS by calling Monday through Friday 8 a.m. to 5 p.m. at 833-ASK-DIFS (833-275-3437) or by emailing DIFS has also launched a consumer FAQ page at The webpage contains important information and answers common questions about the refund timeline and eligibility requirements.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit or follow the Department on FacebookTwitter, or LinkedIn.


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