Can I get Health Insurance with Pre-existing Conditions?

Can I get Health Insurance with Pre-existing Conditions?

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Many people wouldn’t be able to afford healthcare if they had to pay for it out of pocket. This is one of the many reasons why health insurance is a wise investment. Our team of insurance experts at Shield Insurance Agency is dedicated to helping Michigan residents understand the benefits of health insurance.     

What is Health Insurance?

In short, health insurance helps you pay for your healthcare. Your health insurance will pay for a portion of your healthcare costs or all of the costs after you pay a monthly premium.

Can I get Health Insurance with Pre-existing Conditions?

As a result of the Affordable Care Act, health insurance companies can’t deny a person coverage based on their pre-existing health condition. A pre-existing condition is a health issue that was present before you got healthcare coverage. Health insurance companies aren’t allowed to deny you coverage based on a pre-existing condition.

They’re also not allowed to charge you more as a result of any prior/ pre-existing health issues. Many health insurance companies consider many common chronic ailments as pre-existing conditions. A person with cancer, diabetes, asthma, and more, would be examples of pre-existing conditions. Even pregnancy can be considered a pre-existing condition. Health insurance companies aren’t allowed to discriminate against people who have these pre-existing conditions and more. 

Conversely…

If you enrolled in your healthcare plan prior to the Affordable Health Insurance Act, you have a grandfathered plan. This means that your insurance policy can still cancel your policy or raise your rates due to a pre-existing condition. However, our team is committed to answering your healthcare questions and getting the coverage you need.

Contact Us Today

We at Shield Insurance Agency are standing by to serve Michigan residents. If you are enrolled in a plan that started before 2010, you have a “grandfathered plan”. These plans can cancel your coverage or can charge you higher rates due to a pre-existing condition.


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Should everyone in Michigan get auto insurance?

Should everyone in Michigan get auto insurance?

In the state of Michigan, owning a car is a good idea. When you are a car owner here, you will have an easy and convenient way to get around the state and enjoy all that it has to offer. When you are going to drive a car here, you also need to carefully assess your auto insurance needs.

There are various reasons why you should always get an auto insurance plan:

Protect Your Car

A reason that all people here should have an auto plan is so they can protect their car. If you are going to buy a car, you will want to know that it is covered in the event there is an incident of theft or an accident. When you are insured with auto insurance, you will have support in these cases. It is important to select a collision and comprehensive plan to ensure you have full coverage. 

Meet Auto Insurance Obligations

You also should obtain auto insurance coverage to meet any of your insurance obligations. People that live in Michigan will need to have liability coverage in order to drive their car on a public road. Further, those that have taken out a loan when buying a car will need to have comprehensive and collision coverage. If you remain properly covered, it will ensure you are in good standing with your obligations. 

Get The Right Coverage For Your Needs

It is always a good idea for someone here to get auto coverage. As you shop for insurance, discussing your insurance needs with the Shield Insurance Agency is always a good option. Our team of insurance experts at Shield Insurance Agency will give you the guidance to build your next plan. This can help ensure you are properly covered and in good standing with any obligations. 


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Shield Insurance Blog - .What is the value of having an auto insurance plan in Michigan

What is the value of having an auto insurance plan in Michigan?

For anyone living in the state of Michigan, having a car can be a great idea. With a car, you will be able to get around all of the great parts of the state including large cities, small lake communities, and plenty of recreational activities throughout the area. If you are going to buy a car in this area, you will also want to know that you get the right auto insurance.

An auto insurance plan offers various forms of value:

Ensure You are Supported and Protected

If you do get an auto insurance plan, it will help to ensure you are covered as well as possible. With the right plan, you will get the support you need to replace or repair your car if you incur a covered loss. Further, you will have support if you cause an accident and need to cover the damage.

Remain in Compliance

You also will need to have an auto insurance plan so you can remain in compliance with any requirements you may have. Those that drive any type of car in this state will need to carry insurance to meet the state’s minimum liability coverage standards. You also will need to have coverage to meet any requirements that may be set by your auto loan provider. 

Get Auto Insurance Today

If you would like to purchase a car in Michigan, it is very important that you get proper insurance. As you are looking for coverage, it would be wise for you to call the team with the Shield Insurance Agency. Those that do work with the Shield Insurance Agency will get a lot of help in deciding what the right policy is for their situation. This will help give you comfort that you are selecting the right policy. 


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Shield Insurance Blog - Commercial Inventory

Guidelines for properly calculating insurance coverage levels for commercial inventory

Shield Insurance Agency is here to assist business owners in the state of Michigan with all of their insurance needs. We can help you determine how to calculate your insurance needs to adequately protect your commercial inventory.

Give us a call today and let us get started on helping you!

Guidelines for determining how much coverage your commercial inventory requires

Inventory can be a tricky business when it comes to determining how much insurance coverage you need to protect your investment. This can be made even more difficult if you are a seasonal business or if your business has significant fluctuations year over year. Even for businesses that are relatively stable, calculating inventory coverage can be challenging.

The first thing to look at is the time of year when your business has the most inventory. For some, it may be at the start of the year, and for others, it could be right before the busy holiday season. Whenever this time period may be for your business, it’s important. Once you review your inventory trends, and when they are at their highest level, you will be in a better place to determine your inventory insurance needs.

Typically, a business can look at its highest inventory level and make the decision to have its insurance coverage match that level. This is a smart idea for businesses that have inventory that is of extremely high value or moves rather slowly throughout the year.

Let’s work together to protect your inventory!

Michigan business owners can depend on Shield Insurance Agency for all of their commercial insurance needs. If you have questions about commercial insurance, we are here to help. Give us a call today and let’s get started working together! We look forward to hearing from you.


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What Types Of Businesses Need Commercial Insurance?

What Types Of Businesses Need Commercial Insurance?

If you are a business owner, you know that there are many things to consider when it comes to protecting your company. One of the most important aspects of running a business is ensuring you have the right commercial insurance coverage.

But what types of businesses need commercial insurance?

Let’s take a look at some common examples:

Businesses That Have Employees

If you have even one employee working for your company, you’re required to carry workers’ compensation insurance. This type of insurance will protect your employees if they’re injured on the job. It’ll also help to cover their medical expenses and lost wages.

Also, if you have any type of business that involves customers coming into contact with your employees, you’ll need to carry liability insurance in case a customer is injured on your property.

Businesses That Own Property

If you own the property where your business is located, you will need to have property insurance. This type of coverage will protect your building and contents in the event of a fire, theft, or other types of damage. You’ll also need to carry liability insurance in case someone is injured on your property.

Businesses That Use Vehicles

If your business uses any type of vehicle, you’ll need to have commercial auto insurance. This will protect your vehicles in the event of an accident, damage, or theft. Note that personal auto insurance policies will not cover vehicles used for business purposes.

Businesses That Sell Products

If you sell products, you’ll need to have product liability insurance. It’ll protect your business in the event that a customer is injured by one of your products. If you have a business in Michigan, it could be prudent to talk to an agent from Shield Insurance Agency to get a product liability cover for your business.

Contact Us Today

There are many different types of businesses that need commercial insurance. The four examples we’ve listed above are just a few of the most common ones.

Shield Insurance Agency in Michigan can help you find the right coverage for your business, no matter what type of company you have. Give us a call today to get started.

 


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How Do I Get Recreational Insurance?

How Do I Get Recreational Insurance?

If you want to buy insurance for recreational activities like fishing or golf, you will likely have to buy it separately from your homeowner’s or car insurance.  If you are self-employed or work for a small company, you may be able to get coverage through your small business owner’s or association insurance plan. 

Some employers may also offer group health insurance that covers some or all of the cost of recreational insurance. To learn more, consult with Shield Insurance Agency in Michigan. 

Recreational Insurance: What You Need To Know

Recreational insurance is specifically designed to help protect your investment in a vacation. You can get this type of coverage through an association, an organization, or a company. 

Associations provide lower rates because they tend to have higher-risk members. 

You can purchase a policy that specifically covers recreational activities, or purchase a general homeowners or renters policy. 

You can compare the cost of recreational activities to the cost of replacing the item. If the activity costs less than the item, you may be able to file a claim with your homeowners or renters insurance. 

When you go to buy your recreational insurance, you will likely be required to have some money in a certain type of account. 

Recreational insurance protects you from any potential damages or harm that you might face while participating in a recreational activity. 

Let’s say you are going camping with your friends and you go hiking in the mountains, and while hiking, one of your friends slips and falls down a cliff. 

What if he ends up breaking his arm? You will be responsible for them if you don’t have any sort of recreational insurance. 

Contact Us Today 

It’s important to obtain some sort of recreational insurance before engaging in any recreational activities. It could be as simple as getting an umbrella policy that covers all the things while engaging in a recreational activity. 

You can also get specific policies for different activities such as skiing or snowboarding, mountain climbing, etc. For expert advice, give us a call at Shield Insurance Agency in Michigan.

 


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The Drawbacks of Not Having Renters Insurance

The Drawbacks of Not Having Renters Insurance

As a renter, you might feel like you don’t need insurance. After all, your landlord has insurance, right? And your belongings aren’t worth that much, right? Wrong. There are many drawbacks to not having renters insurance. Shield Insurance Agency in Michigan provides you with this guide to navigate the issues around not having this coverage. 

The Drawbacks of Not Having Renters Insurance

1. You Could Be Held Liable for Damages

Did you know that you could be held liable if someone is injured on your property? If a guest trips and falls in your apartment, for example, you could be sued for their medical bills. Without coverage, you’ll pay those bills out of your own pocket. This can quickly become very expensive, especially if the injury is serious.

2. Your Personal Belongings Won’t Be Covered by Your Landlord’s Insurance

Your landlord’s insurance policy covers the building itself, but it does not cover your personal belongings. If there is a fire or another type of disaster, you would have to replace everything yourself. This can be very costly, even if you don’t have a lot of possessions.

3. You Might Be Kicked Out of Your Apartment

Some landlords require their tenants to have renters insurance. If you don’t have it and your landlord finds out, they could give you notice to vacate the property. This means you would have to find somewhere else to live, which can be very difficult on short notice.

4. You Could Miss Out on Important Coverage

Renters insurance doesn’t just protect your belongings; it also provides liability coverage and can even help with temporary living expenses if your apartment is damaged and you have to move out. Without renters insurance, you could be left without a place to live while your apartment is being repaired.

Get Renters Insurance in Michigan

As you can see, there are many potential drawbacks to not having renters insurance. It’s important to weigh the pros and cons before deciding whether or not to purchase a policy. Shield Insurance Agency can help you find the right renter’s insurance policy for your needs. Give us a call today to get a free quote.


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RV Insurance Shield Agency

RV Insurance Requirements in Michigan

Driving an RV in Michigan can provide many a memorable vacation for you and your family, but your state government requires you to carry the same minimum level of insurance on your RV as on your car or truck.

Shield Insurance Agency wants you to understand that there’s no getting around this law. If you get caught driving without auto/RV insurance in the state, you’ll get hit with a costly fine and potentially lose your license, although perhaps temporarily.

RV Insurance Requirements in Michigan

As a no-fault state, Michigan requires every driver on its roads to carry insurance that would cover their own damages or those incurred to another party’s vehicle. You’ll need to purchase at least the following coverage levels:

  • bodily injury coverage in the amount of $20,000 per person per accident,

  • bodily injury coverage in the amount of $40,000 per accident for all persons injured or killed,

  • property damage in the amount of $10,000 per accident,

  • personal injury protection (PIP) with no limits,

  • property protection insurance (PPI) in the amount of $1 million per accident.

You can and should add to your RV insurance coverage by tacking on collision and comprehensive coverage. Your collision coverage provides reimbursement for damages when you incur a single-vehicle accident. Comprehensive coverage protects you from theft and other unavoidable perils. Roadside assistance coverage can help you obtain quick service when your RV breaks down on the road. Car rental insurance can mean you have a vehicle while your RV undergoes repairs.

Contact Shield Insurance Agency to discuss the state minimum requirements and add-ons that would provide full coverage for your RV. Don’t drive without insurance in Michigan.

 


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Boat Insurance Shield Agency

Why Navigation Limits Are An Important Part Of Boat Insurance Policies

Shield Insurance Agency is an independent agency. We have working relationships with multiple carriers throughout Michigan. We take pride in simplifying the process of searching for coverage for our clients. We provide flexible coverage options that evolve over time.

Why Navigation Limits Are An Important Part Of Boat Insurance Policies

Michigan is a tourist attraction for its beautiful lakes. There are multiple places throughout the state where large boat parties occur and bring people together to have fun. If you own a boat, consider the benefits of boat insurance. Boat insurance covers you while you’re out on the water. There are some risks associated with operating a boat. Perhaps you lose temporary control of your boat and crash into an object. Liability coverage will take care of any damages or medical treatment of bodily injuries. Boat insurance also includes collision coverage, which covers any damage to your boat due to an impact with another watercraft. All of your personal items inside your boat are covered if damaged or stolen. Comprehensive coverage protects your boat in multiple ways. You’re covered if you’re out on the water and severe weather moves into the area, causing damage. You’re also covered if your boat is damaged due to a fire. You can also add emergency towing or fuel spill coverage to your policy.  

Pay attention to your policy’s navigation limits. Your policy will outline a specific radius in which you can operate your boat while maintaining coverage. If you cross that line, you are no longer protected if something happens to your boat. Check your policy carefully to avoid a potential disaster.

Shield Insurance Agency Will Help You Protect Your Assets

Contact us today to learn more information about boat insurance.

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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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