Shield Insurance Gives Away Lowes Gift Card

Shield Insurance Gift Card Winners!

Every week, Shield Insurance Agency draws a winner from its clients and social media followers. Be sure to LIKE our Facebook Page to get yourself entered to win and see who the winners are!

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Community Minded Referral Program

Shield Referral Program Introduces Roslyn

Shield Referral Program

“The highest compliment we can receive is the referral of your friends, family & business associates. Thank you for your trust!”

Your referral can make a difference for Roslyn. Shield Insurance is helping Roslyn by donating $25 for each non-client who gets a quote from us! No purchase necessary! CLICK HERE to get a quote and we’ll donate $25 to her! (Be sure to mention Roslyn in the comment section!) You can also call or text the office and one of our agents will take a few minutes of your time to offer up a quote. Don’t forget to mention Ros!

Meet Roslyn
Roslyn and Shield Insurance Agency Referral Program

More great stories featuring Roslyn…

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shield insurance agency educational video cover

Insurance Terms

Shield Insurance Agency & Foremost Insurance Company present Insurance Terms

Every industry has its own unique language – and insurance is no exception. Here are some key insurance definitions and terms you might come across as you consider insuring yourself or your stuff.

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Downtown GR Now Offering Free Spring Walking Tours

Free Spring Walking Tours in Grand Rapids

MARCH 29, 2021

Downtown GR Now Offering Free Spring Walking Tours

Topics include public art, history and notable landmarks

Downtown Grand Rapids Inc. partnered with Grand Rapids Running Tours to offer visitors free walking tours around Downtown Grand Rapids throughout this spring season.

These walking tours explore topics ranging from public art, history and iconic Downtown landmarks.

All tours meet at Rosa Parks Circle and no registration is necessary. First come, first serve. Please bring your masks.

See the full schedule below.

Rad Women Walking Tours

March 30, 9:00 – 11:30 AM

This #WomensHistoryMonth, celebrate the #RadAmericanWomen throughout history via public art and FREE walking tours around #DowntownGR! The artwork and tours are based on the New York Times bestselling book “Rad American Women A-Z” by Kate Schatz. With a total of 27 works of public art on electrical boxes featuring portraits of #RadWomen from Angela Davis to Zora Neale Hurston, the tour will give you a background on each public figure and the Rad Local Artist behind each artwork.

Miles of Murals Walking Tours

April 7, 6:00 PM., Miles of Murals Part One Walking Tour
April 14, 10:00 AM, Miles of Murals Part One Walking Tour
April 21, 6:00 PM, Miles of Murals Part Two Walking Tour
April 28, 10:00 AM, Miles of Murals Part Two Walking Tour


Who says art museums must be inside, enclosed with 4 walls, a ceiling, and a floor? Swirling all about us in Grand Rapids are intriguing artworks on sides of buildings, underneath highway overpasses, on retaining walls, street surfaces, and utility boxes. These are murals – street and wall artworks – painted by artists that celebrate beauty, calls to action, or tributes to heroes. The murals transform otherwise unnoticeable – or worse – blighted spaces into a must-see, energizing attraction. Viewing these murals is a study in local history, community activism, and sheer expressions of creativity… art all the time! So many murals, so little time – so the walk is divided into two parts… we pick up where we left off when we meet for Part Two.

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Shield Insurance Agency | Hemingway Scrapbook image

Hemingway & Michigan Summers

Ken Burns’ Hemingway Documentary Includes Michigan Summers

By MYNORTH NEWS SERVICE on March 12, 2021

Award-winning filmmakers Ken Burns and Lynn Novick direct the upcoming three-part, six-hour documentary on Ernest Hemingway, including historical photographs of the writer’s summers spent in Northern Michigan.

The series about Hemingway, the iconic literary figure considered one of the greatest American writers, will premiere on central and Northern Michigan PBS affiliate, WCMU Public Media, April 5 at 8 p.m., and include voice actors Jeff Daniels as Hemingway; plus Meryl Streep, Keri Russell, Mary-Louise Parker, and Patricia Clarkson as Hemingway’s four wives. The documentary series will also include historical photographs of Hemingway’s time spent in Northern Michigan, provided by Michigan’s Clarke Historical Library.

“The extraordinary pictures in the photo albums at the Clarke Library are absolutely irreplaceable to our film,” shares filmmaker Lynn Novick about the important photographs the Clarke Historical Library provided for the documentary series. “They make it possible for us to represent Hemingway’s family and life in Michigan in the most vivid, tangible, and authentic way, and we are so grateful to be able to include them.”

In anticipation of this series, and to explore Hemingway’s deep ties to Northern Michigan along with how they influenced his attitudes, passions, and writings, WCMU Public Media is partnering with the Clarke Historical Library and noted Hemingway historian Michael Federspiel for “Hemingway in Michigan: A Live Streaming Event” Wednesday, March 31 at 6 p.m.

During this virtual event, attendees will enjoy “Let’s Go Back” video stories featuring the Clarke Historical Library’s Hemingway Collection containing one-of-a-kind items from the legendary author’s life, watch an exclusive advanced preview of the Hemingway documentary series before its April 5 nationwide premiere on PBS, and participate in a question-and-answer session with Hemingway experts, including filmmaker Lynn Novick and producer Sarah Botstein.

Click here for the rest of the story

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Get Gardening Muscles in Shape and Prevent Injuries

Get Gardening Muscles in Shape and Prevent Injuries. Before digging, pruning, and planting, make sure you’re ready for the work

by Susan Moeller, AARP, March 15, 2021

Christine Zellers tries to run five miles every day and, at 53, considers herself to be in shape. But even she admits that gardening can leave her sore and achy.

“I feel it, especially in the beginning of the season,” she says. 

Zellers, an assistant professor of family and community health sciences with Rutgers Cooperative Extension of Cape May County, New Jersey, teaches gardening, leads group exercise classes, and grows vegetables and herbs in her own garden in Ocean City, New Jersey. To protect her body, she tries to remember to stretch and limber up before heading out to dig, plant, or lug big pots around.

“You want to be thinking about the kind of movement you’re going to do and make sure you’re strengthening those body parts, like your core and your back and your legs and your quadriceps,” she says. “So you want to warm up a little bit just like you would if you were going for a run or doing an exercise class.”

Gardeners and health experts warn against jumping into gardening activities without some pre-game preparation to build strength, stamina and aerobic power and prevent injury. 

For example, if your core body strength is off, your balance is also off, making falls a risk, says Maura Daly Iversen, a physical therapist and dean of the College of Health Professions at Sacred Heart University in Fairfield, Connecticut. And you need aerobic capacity to do the work, she says.

“My friends that don’t garden think it’s light work,” says Iversen, who admits to being an “over-50” gardener. “But it can be pretty hefty work when you’re removing bushes and whatever. So I think cardiovascular fitness is also important.”

No gym membership needed

Click here for the rest of the story…

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Home Improvement | Shield Insurance Blog

5 Home Improvement Projects for the best ROI

5 Home Improvement Projects That May Have the Biggest Return on Investment

Conventional wisdom has long held that kitchens and baths sell homes. Those are also two of the more expensive areas to tackle for home improvement, but if you make sound design decisions and choose the right materials, you could end up making your home more appealing to potential buyers – and a more enjoyable place for you to live. And, if you’re handy, some of these ideas may even be great DIY (do-it-yourself) home projects.

A study from the National Association of Realtors confirms that kitchens and baths still top the list of interior home improvement projects that appeal most to potential buyers. The survey ranked the projects by the percentage of the remodel cost that would likely be recovered based on the home’s resale value after the remodel. These five home improvements can potentially provide the biggest bang for your buck when it comes to ROI.

1. Complete Kitchen Renovation

  • National Association of the Remodeling Industry’s (NARI®) cost estimate for the project: $68,000
  • REALTORS® estimated cost recovered: $40,000
  • Percent of value recovered from the project: 59%

The look and feel of a kitchen can serve as shorthand for how up to date the owners have kept a house. Potential buyers have been known to rule out homes based on kitchens alone. Stainless steel appliances and granite countertops continue to be on many buyers’ checklists, especially those who want to move right in and start entertaining.

The top reason for renovating a kitchen, cited by 24% of homeowners, was to upgrade worn-out surfaces, finishes and materials. According to the Remodeling Impact Report, 10% of realtors said a completely renovated kitchen most recently helped them clinch a deal, resulting in a closed sale.

2. Kitchen Upgrade

  • NARI’s cost estimate for the project: $38,300
  • REALTORS® estimated cost recovered: $20,000
  • Percent of value recovered from the project: 52%

A less expensive alternative to completely gutting a kitchen is an upgrade to the current design. Replacing dated appliances, refinishing cabinets and changing out tile backsplashes are some cost-effective updates that can still modernize a kitchen and make it more appealing to buyers.

While 12% of realtors suggest that sellers completely remodel their kitchens, 57% have suggested a kitchen upgrade. Twenty percent of realtors have said a kitchen upgrade most recently helped complete a deal. In addition to the resale value, kitchen improvements can also help you enjoy your time in your home, with better functionality and livability cited by 29% of respondents as the most important result of their remodel.

Travelers wants to help you protect the things that matter to you. We offer a wide breadth of products so you can be covered at home and on the road.

3. Bathroom Renovation

  • NARI’s cost estimate for the project: $35,000
  • REALTORS® estimated cost recovered: $20,000
  • Percent of value recovered from the project: 57%

Bathrooms are another place where a home can show its age, and potential buyers may hesitate at the cost and work involved in remodeling an outdated bathroom after buying a home. Still, while 33% of realtors have suggested sellers complete a bathroom renovation before completing a sale, only 4% said the project most recently helped them complete a deal.

4. New Bathroom

  • NARI’s cost estimate for the project: $60,000
  • REALTORS® estimated cost recovered: $30,000
  • Percent of value recovered from the project: 50%

A remodeling decision often driven by function rather than a desire to modernize, adding a new bathroom is nearly as expensive as completely remodeling a kitchen, but with less of a “wow factor” for potential buyers. With only 5% of realtors suggesting that sellers add a bathroom and only 1% saying the project most recently helped clinch a deal for them, this may be one project that makes more sense for homeowners planning to be in their homes for several years.

5. New Master Suite/Owners’ Suite

  • NARI’s cost estimate for the project: $150,000
  • REALTORS® estimated cost recovered: $75,000
  • Percent of value recovered from the project: 50%

The costliest project on the list, a new master suite or owner’s suite, is another project that may have greater value to you while living in the home rather than in making it attractive to future buyers. Sixty-five percent of respondents said they have a greater desire to be home since completing the project. Only 3% of realtors have suggested that sellers complete an owner’s suite before attempting to sell, and less than 1% said the project most recently helped clinch a deal for them.

Still deciding where to focus your budget for home improvement? Make a list of the reasons you’re considering each project, and be sure to consider the impact on your home insurance, too. Want to attract future buyers and increase the value of your home? Kitchens and bathrooms remain a good place to start. If you plan to remain in your home for a number of years, you may want to update a bedroom, add a bathroom, convert a basement to a living area or tackle any other project that will add to your own appreciation of where you live.

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FORTIFIED Standards: Renovating Your Home

Renovating Your Home to FORTIFIED Standards

If you’re working on your home or putting on a new roof, consider renovating to FORTIFIED standards. Developed by the Insurance Institute for Business & Home Safety (IBHS), FORTIFIED Home™ construction practices are designed to help homeowners and communities better weather future storms, including hurricanes, high winds, hail, and severe thunderstorms.  Building codes set a minimum standard for construction techniques and materials. Building FORTIFIED means exceeding those requirements.

The goal of building FORTIFIED is to take action today to make homes and communities more resilient to natural disasters tomorrow. Using data from more than 20 years of storm damage, IBHS created a set of standards for new and existing construction that can be affordable and can be incorporated into your home’s building design.

FORTIFIED Standards: Renovating Your Home

If you’re working on your home or putting on a new roof, consider renovating to FORTIFIED standards. Developed by the Insurance Institute for Business & Home Safety (IBHS), FORTIFIED Home™ construction practices are designed to help homeowners and communities better weather future storms, including hurricanes, high winds, hail, and severe thunderstorms.  Building codes set a minimum standard for construction techniques and materials. Building FORTIFIED means exceeding those requirements.

The goal of building FORTIFIED is to take action today to make homes and communities more resilient to natural disasters tomorrow. Using data from more than 20 years of storm damage, IBHS created a set of standards for new and existing construction that can be affordable and can be incorporated into your home’s building design.

Three Levels of FORTIFIED Home Designations

  1. Bronze: As part of the bronze level, a wind-driven rain management system in the roof protects against water damage. It features ring shank nails to protect against wind uplift resistance, which provides double the strength of nails used on traditional homes. Another important technique is sealing the seams of your roof deck to prevent water intrusion from wind-driven rain.
  2. Silver: The silver designation adds features such as impact-resistant windows and pressure-rated doors to protect the home from flying debris in strong winds. 
  3. Gold: The gold designation focuses on creating a continuous load path by tying the roof to the walls, the walls to the floors, and the floors to the foundation to help make the home able to withstand hurricane-force winds.

Adding Value and Safety

After a certified, third-party evaluator verifies that the home meets FORTIFIED standards, you receive a certificate and a unique ID number valid for five years. The FORTIFIED designation helps show you have made consistent and defined structural updates to your home. 
To learn more, visit the IBHS website.

Learn more about homeowners insurance, or if you’re ready to take the next step, give us a Call or Text: 616-896-4600, and we will get you started!

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