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Seasonal Changes Can Affect Your Auto Insurance in Michigan

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At Shield Insurance Agency, nestled in the heart of Michigan, we know that as the seasons change, so do your auto insurance needs. Especially when you’re dusting off your vehicle after a long winter’s nap and gearing up for sunnier days ahead.

Spring Cleaning Your Coverage

While your vehicle was hibernating, you might have tweaked your auto insurance to reflect its sleepy status. But as you awaken your auto from its winter slumber, it’s time to spring clean your coverage. Reinstating collision coverage or adjusting your liability limits can ensure you’re ready to hit the Michigan roads with confidence.

Maintenance: The Key to a Smooth Ride

Waking your vehicle from winter storage isn’t just about turning the key. It’s about ensuring your ride is ready to roll safely and smoothly. And remember, good maintenance isn’t just about preventing breakdowns – it can also keep your auto insurance premiums from skyrocketing due to avoidable accidents.

Seasonal Vehicles: A Unique Insurance Journey

Got a summer-loving convertible or a motorcycle that thrives in the Michigan sunshine? Your insurance coverage should reflect your vehicle’s seasonal lifestyle. We can help you tailor your coverage to your usage, keeping you protected while potentially saving you some hard-earned cash.

Seasons Change, and So Does Your Auto Insurance

Seasonal changes don’t just mean swapping your winter coat for a spring jacket. They also mean adjusting your auto insurance to match. At Shield Insurance Agency, we’re here to guide Michigan drivers through these changes, ensuring you’re covered for every twist, turn, and season on the road.

Discover more about auto insurance at Shield Insurance Agency.

Please let me know if you need any further changes.

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New Commercial Insurance: A Key Component in Michigan Warehouse Operations

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Running a warehouse in Michigan involves managing a variety of risks, from property damage to employee injuries. Commercial insurance plays a key role in mitigating these risks, providing crucial protection for warehouse operations. Shield Insurance Agency is here to help you understand the importance of commercial insurance in your warehouse operations.

Warehouse Operations in Michigan: A Risk Landscape

Warehouses face a unique set of risks, including damage to goods, equipment breakdown, and liability issues. These risks can lead to significant financial losses if not properly managed. This is where commercial insurance comes in.

Commercial Insurance: A Safety Net for Warehouse Operations

Commercial insurance provides coverage for a variety of risks associated with warehouse operations. This can include property insurance for your building and contents, liability insurance for any injuries or damages caused by your operations, and workers’ compensation insurance for employee injuries.

Why Choose Shield Insurance Agency for Your Commercial Insurance Needs?

At Shield Insurance Agency, we understand the unique challenges that Michigan warehouse operations face. Our experienced agents can help you navigate the complexities of commercial insurance and ensure you have the coverage you need.

Commercial Insurance and Warehouse Operations: The Bottom Line

Commercial insurance is a key component in managing the risks associated with warehouse operations in Michigan. By understanding the role of commercial insurance, you can ensure your warehouse is protected against potential losses. Contact Shield Insurance Agency today to learn more about commercial insurance and how we can help protect your warehouse operations.

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Protect Your Adobe Oasis with Essential Home Insurance Tips in Michigan

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Learn how you can secure your Michigan home against unexpected perils like breaking winds, uncontrollable wildfires, and theft in the guide from Shield Insurance Agency below. 

Essential Home Insurance Tips for Your Adobe Oasis

Create an Inventory 

The first step towards protecting your home and its contents is to create an inventory of your home’s interior and exterior. Document additions and customizations in case you ever need to repair or replace these items. 

Take Security Measures to Safeguard Your Home from Theft 

Installing security features such as video doorbells, motion sensor lights, deadbolt locks, and a monitored alarm system is an excellent way to prevent burglary and theft.

Talk to a trusted insurance agent to find out how safeguarding your home can reduce home insurance costs. 

Routine Maintenance Can Save on Costly Home Repairs

Proper landscaping and clearing gutters can prevent unsightly buildup and stress on your roofing system. Ensure adequate drainage for your indoor and outdoor water systems to prevent water damage. 

Invest in Fire-Resistant Landscaping

Michigan is prone to intensely hot weather, flash flooding, and wildfires. Investing in a home insurance policy with comprehensive fire protection can help shield your home from wildfire-related damage. Choosing fire-resistant landscaping is another proactive measure you can take to reduce the effects of wildfires. 

Get Specialized Coverage for Intense Weather

Protect your adobe abode from the unexpected with a comprehensive home insurance policy that shields your home from a variety of perils. Perils can include weather-related damage, theft, vandalism, burglary, and damage from natural disasters like wildfires. 

Contact a knowledgeable insurance agent at Shield Insurance Agency to learn more about your best coverage options! 

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Commercial Insurance: For the Business Risks You Can’t See

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For some individuals, their business aims to provide a comfortable income for their families. Others envision it as a heritage that their descendants might run. Some business owners even aspire to elevate their businesses to become household names. Regardless of the vision you harbor for your business, commercial insurance plays a pivotal role in accomplishing or hindering these plans. That’s precisely why business owners throughout the state of Michigan rely on the proficient and seasoned team at Shield Insurance Agency for all their commercial insurance needs.

Protect the Unseen Future and Success of Your Business

Most successful business owners can distinctly foresee the path to triumph and readily map out plans for their companies. However, they can’t predict the unseen complications and risks that could potentially derail those well-crafted plans and their businesses’ eventual success.

However, the good news is that commercial insurance is always on standby to shield companies from unforeseen hazards and risks they don’t anticipate. Every business owner has a duty to build and aid their company’s success. Similarly, commercial insurance has a responsibility to protect these businesses.

For All Your Commercial Insurance Needs in Michigan

If you are a business owner in Michigan and are muddled about commercial insurance or need insurance for your business, our warm and expert agents at the Shield Insurance Agency can assist. Has your business been expanding lately? Are you planning on adding a new product line or service? This might be the apt time to reevaluate your current coverage needs. Contact us today to learn more and schedule a meeting for all your commercial insurance needs at Shield Insurance Agency.

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I just retired and don’t have life insurance. Can I still get it?

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Life insurance is an often misunderstood form of insurance. Many people know little about how it works and who and when one should get it. We understand this, and our Michigan team at Shield Insurance Agency is dedicated to helping people understand the benefits of life insurance and how it works. 

What is life insurance?

In short, life insurance is like any insurance in that a person enters into a contract to pay a certain fee for a set period so that the person’s named beneficiary receives a lump sum payment once the policyholder passes away. However, other life situations besides death can trigger payments to a beneficiary. Some policies include clauses for terminal or critical illnesses as well. Life insurance can cover burial costs, final expenses, and more. The beneficiary receives a lump sum of money and can use the funds any way they see fit. Life insurance is commonly used to cover estate taxes as well as debt. 

I have just retired and don’t have life insurance. Can I still get it?

Yes. Finding a company that will insure you may be difficult, but it is possible to get life insurance after retirement. Depending on your age, many companies that do insure you will likely only approve a term life possibly instead of a whole life policy. However, you will likely pay more for life insurance as an older person. Typically, older persons who are 80 years of age or older may be rejected for life insurance. This includes term life insurance. If you have questions regarding life insurance, call us. We know that navigation life insurance can be confusing. We’d happily answer your questions and help you explore your options. 

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Shield Insurance’s Roadmap to RV Insurance in Michigan: What You Need to Know

Shield Insurance’s Roadmap to RV Insurance in Michigan: What You Need to Know

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Shield Insurance Agency Blog | RV Insurance | Start A Quote Today!

At Shield Insurance Agency, we effectively educate Michigan residents about RV insurance policies. These policies may seem daunting, but decoding them isn’t as hard as it might appear. This guide will help simplify RV insurance so you can make the best possible decision.

RV Insurance: Differentiating Between Part-Time and Full-Time

One common pitfall among RV owners is the failure to distinguish between a full-time and a part-time RV usage policy. Getting this right will ensure your policy adequately caters to your specific needs.

Special Considerations for Self-Built RVs

If you’ve constructed your own RV, be aware that it poses different issues for insurance companies. Self-built vehicles typically have additional insurance concerns and may not be as straightforward to insure as standard RVs. It’s important to bear this in mind when deliberating over potential modifications to your RV.

Importance of RV Insurance Emergency Expense Coverage

Emergency expenses are a vital consideration for any RV policy. Emergency coverage should be top of mind whether you use your RV full-time or part-time and whatever belongings you need to insure. This type of coverage will offer you the security of being prepared for any unexpected expenses that may come up.

At Shield Insurance Agency, we are eager to answer all your questions about RV insurance policies. Michigan RV owners are invited to call or visit us anytime to learn more. We’re here to assist with your RV insurance needs, enabling you to hit the road confidently.

Give us a call or stop by our home office at 3214 Chicago Dr, Hudsonville, MI 49426 Our phone is 616-896-4600 or you can fax your current policy to us at 616-896-4601. And of course, we can be reached via email at ContactUs@shieldagency.com

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Various storage sites may have different security levels and exposure to risks such as theft, vandalism, or weather-induced damage.

What Type of Boat Insurance Do You Need If You’re Just Storing Your Boat?

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Shield Insurance Blog | Boat Insurance | Contact an Agent Today! | Visit the Quoting Portal

Understanding Boat Insurance for Stored Boats in Michigan

Whether your boat is in off-season storage or not actively in use for extended periods, maintaining insurance coverage to guard your valuable asset against possible risks is critical. Shield Insurance Agency in Michigan acknowledges the importance of securing your boat—even when it’s docked. Below, we provide insight into boat insurance for stored boats.

The Importance of Storage Location

Your chosen boat storage location can influence the kind of insurance coverage you require. Whether you park it in a marina, storage facility, or your own garage, guaranteeing the right coverage is crucial. Various storage sites may have different security levels and exposure to risks such as theft, vandalism, or weather-induced damage.

Comprehensive Boat Insurance Coverage for Added Peace of Mind

Comprehensive boat insurance offers coverage for a wide assortment of risks, including theft, vandalism, fire, storms, and natural catastrophes. Even a stored boat remains vulnerable to damage from unexpected incidents. Comprehensive coverage ensures you’re financially secure against unforeseen events that may harm or destroy your boat.

The Need for Liability Protection

Liability coverage presents another critical component of boat insurance, irrespective of whether your boat is in storage or use. Liability protection covers costs connected to property damage or bodily injury for which you may be liable while operating your boat or if an individual is injured on your stored boat.

Contact Shield Insurance Agency

At Shield Insurance Agency, we’re dedicated to helping Michigan boat owners shelter their investments with thorough insurance coverage. Our seasoned agents will work closely with you to understand your needs, explore coverage options, and customize a policy offering peace of mind at sea or in storage. Reach out to us for your boat insurance consultation.

 

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How To Get The Most Out Of An Umbrella Policy

How To Get The Most Out Of An Umbrella Policy

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Shield Insurance Agency Blog | Umbrella Policy | Start A Quote Today! | Contact Shield Office

When you own a home as well as one or more vehicles, there are different insurance policies that you need for them. These policies are highly important for protecting what are likely your largest investments. However, having home and auto insurance policies may not be enough. You may need to get an umbrella policy to augment them both. This type of insurance does a lot for you, and one of those things is to save you money. To get started with an umbrella policy, call us at Shield Insurance Agency in Michigan.

Umbrella Policy is a Cost-Effective Insurance

You pay for both your home and auto insurance policies. Each of these comes with a set amount of coverage, including liability coverage. If you want more liability coverage to protect yourself better against serious accidents, you can always add more of it to both your home and auto policies. Of course, this can be highly expensive, especially if you want a lot of coverage. It costs far less to simply get an umbrella policy. Umbrella insurance adds to both your home and auto policies so that you don’t have to add to each of them individually. It also comes with an enormous coverage amount for a low price. It’s a great way to save money while staying well-protected. 

An Umbrella Policy Provides Financial Protection

The protection that you get from umbrella insurance can save you money in other ways. If an accident happens and the home or auto policy comes in to pay for it, it may not be able to pay all of the bills. Those would be up to you to pay if not for an umbrella policy. An umbrella policy would come in next to pay the leftover bills. 

Get Umbrella Insurance

When you want to save money while having the insurance you need, call us at Shield Insurance Agency in Michigan.

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Helpful Insurance Planning Tips for Parents of New Teen Drivers

Helpful Insurance Planning Tips for Parents of New Teen Drivers

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Shield Insurance Blog | Teen Drivers | Auto Insurance | Start A Quote Today!

When a teenager earns their license, it is considered a rite of passage. For parents, this accomplishment can be both thrilling and nerve-wracking. Along with various safety concerns, insuring your new, inexperienced Michigan driver can be daunting. Thankfully, with some knowledge and a plan, you can find the best coverage without busting your budget. 

Add Teen Drivers to An Existing Policy

Adding your teenager to your current auto insurance policy is generally cheaper than purchasing a separate one. Keep in mind if they are not on your policy, they will not be able to take advantage of any multi-car or loyalty discounts you receive.

Promote Being a Good Student

When it comes to auto insurance, good grades can translate into insurance discounts. Many auto insurance providers offer “good student discounts” for students who typically maintain at least a B average.

Enroll Teen Drivers in a Defensive Driving Course

Enrolling your teen in a defensive driving course is helpful. Your child will gain valuable driving skills, and, in many cases, they can also use the successful completion of the class to earn a discount on their premiums.

Revisit Your Deductibles 

Adding a driver often increases costs; teen drivers are no exception. To counteract this cost, consider adjusting your deductible. Higher deductibles may mean lower annual premiums. At Shield Insurance Agency, we can discuss your deductible options. 

Establish Ground Rules for Teen Drivers

Set driving guidelines for your teen that include no texting and driving, limited nighttime driving, and passenger restrictions. These practices keep your child safer on the road, which, in turn, keeps premiums lower.

Consult With Us

The journey of insuring a new driver does not have to be a challenge, but it does require a plan. At Shield Insurance Agency, we want to help keep your teen drivers safe as they navigate these Michigan roads. Contact us today!

 

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Home Business Boom: Ensuring Your Home Insurance Covers Your Side Hustle

Home Business Boom: Ensuring Your Home Insurance Covers Your Side Hustle

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Shield Insurance Blog | Home Insurance | Start A Quote Today!

The rise of home-based businesses is a defining trend of our times. Whether you’re crafting handmade jewelry, offering freelance services, or selling products online, your home is your business headquarters. But have you considered how this entrepreneurial endeavor might affect your home insurance? Shield Insurance Agency, providing home insurance in Michigan, wants to help you better understand how your side hustle may affect your home insurance. 

Assessing Your Current Home Insurance Coverage

Before diving into the intricacies of insuring your home-based business, review your existing home insurance policy. Typically, standard homeowners or renters insurance covers personal property but may not encompass business-related items or liabilities. Understanding your current coverage is the first step in addressing any gaps.

Business Endorsements or Riders

To safeguard your side hustle, consider adding business endorsements or riders to your existing policy. These specialized add-ons can extend coverage to include business equipment, inventory, and even liability related to your home-based business activities. Keep in mind that the extent of coverage varies, so discuss your specific needs with your insurer.

Home Insurance Liability Protection

Running a home business means interacting with clients or customers on your property. If someone gets injured during a business-related visit, your standard policy might not cover it. Liability protection is essential to address such scenarios. Discuss options with your insurer to ensure adequate coverage.

Consult With Us

The home business boom is here to stay, offering exciting opportunities for entrepreneurs. However, it’s vital not to overlook the implications for your insurance. Assess your current coverage, explore business endorsements, and secure liability protection to ensure that your side hustle thrives while your home remains protected. The team at Shield Insurance Agency, serving the state of Michigan, can help you. Call or email us to learn more. 

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