How to save for a family vacation

How to save for a family vacation

Family Vacation Time?

Financial literacy is an essential life skill necessary to make informed decisions about budgeting, borrowing and more. Equipped with this knowledge, kids grow up prepared for financial independence.

Teaching kids and teenagers financial literacy often falls on parents’ shoulders — and it isn’t always easy. You need to both keep your youngster involved and interested and make the process fun. One way is to use exciting opportunities, like family vacations, to teach your kids good saving habits.

Set goals for you and your kids

So, you’re going on a family vacation. It’s time to set some goals.

  • Decide where you’re going

First, decide on where you’re going. Use selecting a destination as an opportunity to get your kids talking about where they want to go and to create excitement. Pick a place together and let your kids know that the trip can only happen if they chip in financially.

  • Determine the costs

Whether your family is planning a Disneyland trip or a vacation to your kids’ favorite spot, it’s time to determine the costs.

Involve your kids in the process. Break down the numbers for transportation, lodging, entertainment and other expenses. Show your kids the total and discuss how they’ll help you save that amount.

  • Set a timeline

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DIFS Alerts Consumers to Recurring Scam and How to Avoid It

Tips Following Northern Michigan Tornado

FROM: Michigan Department of Insurance and Financial Services Offers Insurance Tips Following Northern Michigan Tornado

Media Contact: Laura Hall, (517) 290-3779, DIFS-press@michigan.gov 
Consumer Hotline: 877-999-6442, Michigan.gov/DIFScomplaints

FOR IMMEDIATE RELEASE: May 23, 2022

(LANSING, MICH) As residents across northern Michigan assess the damage and begin to recover from Friday afternoon’s tornado, the Michigan Department of Insurance and Financial Services (DIFS) is providing tips to assist residents when working with insurance companies to file claims and repair damages.

“DIFS stands ready to assist the residents of northern Michigan as they begin to recover from the incredible devastation wrought by Friday’s tornado, hailstorm, and power outages,” said DIFS Director Anita Fox. “It is important that those who have experienced damage understand their rights and responsibilities when filing insurance claims. They should carefully review their policies and work with their agents and insurers to see what coverage is available to them. DIFS is available to answer questions and assist consumers 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442.”

Anyone impacted by storm damage should:

  • Contact their insurance company’s claims hotline and/or agent to report the claim. Have the policy number and other relevant information readily available. DIFS has prepared an Insurance Claims Tracking Sheet to make this process easier.
  • Take steps to protect the property and prevent further loss. Be sure to keep receipts for any purchases of supplies that are needed to protect the property.
  • Document the loss. Take pictures or videos of the damaged items and do not get rid of the items until instructed to do so by the insurance company.
  • Review insurance policies to understand their coverage and discuss with their agent or insurer if there are any questions.
  • If there is water damage to a home or other structure, consumers should tell their insurance company that there is water damage and they are looking to determine what coverage is available. Consumers should not simply state that the damage is due to a flood as there may be additional causes for water damage, such as storm-related rainwater intrusion, sewer backup, or failing sump pump, that may be covered under the policy.
  • If there is damage to a vehicle, consumers should contact their auto insurance company. They may have coverage for the damage if they carry comprehensive coverage on their auto policy.

More Information

Additional disaster recovery information is available on the DIFS website.

DIFS encourages consumers to first attempt to resolve any claim disputes directly with their insurance company. If a resolution cannot be reached, DIFS will help try to resolve disputes. To learn more and file a complaint, visit Michigan.gov/DIFScomplaints. Anyone with questions or concerns about their insurance coverage is asked to call the DIFS toll-free hotline 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442.

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 Michigan.gov/DIFS or follow the Department on FacebookTwitter, or LinkedIn.


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April Showers Bring May Flowers - Shield Insurance Agency Blog

April Showers Bring May Flowers

April Showers Bring May Flowers

For me, spring and fall are by far my favorite seasons.  After a long, cold winter it was so nice to be outside this past weekend and enjoy the sunshine!  I am so thankful to live in a location that gets to experience all four seasons.  As I was outside this weekend I could not help but stop & look around.  The creation seems to be bursting with life!  There were buds on almost every tree, the flowering trees seemed to explode over the weekend and the spring flowers are appearing everywhere.
     In a household with 4 teenagers, spring is very busy at our house with school activities, sports, year-end school programs, graduations, college finals, work, etc.  Everyone seems to be hustling about, going here, going there.  What about your household?  If it’s anything like mine, there are times when you feel you can’t even catch your breath.
     My challenge for myself and my family (and you too) is to try to schedule – yes schedule – time to take a break and enjoy some quiet time outside.  Enjoy the outdoors, the beautiful city that we live in, the nature around us.  It’s amazing how therapeutic listening to birds singing while soaking up the sunshine and smelling the fresh spring air is.  So take a break!  Allow yourself to relax and enjoy the beautiful spring season.

Submitted by Tammy

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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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The 50 Best Places to Travel in 2022 - Shield Insurance Agency Blog

The 50 Best Places to Travel in 2022

From far-flung destinations to hometown favorites, 2022 is the year to get back out there and turn your dream trips into reality.

By Travel + Leisure | December 09, 2021

Planning new adventures as a new year approaches is always a thrill, but finding the best places to visit in 2022 is unique. After two years of border closures, cruise cancellations, and travel restrictions galore, 2022 is the year we hope to get back out there, uninhibited (albeit vaccinated and COVID tested), return to our favorite destinations, and cross new ones off our lists.

Though the hospitality industry was hit hard by the pandemic, many properties used the forced downtime to renovate rooms, add new amenities, and expand outdoor spaces to offer even more once guests return. 2022 is when many travelers will venture further from home, and even overseas, for the first time since the start of the pandemic, finally reaping the benefits of these valiant efforts.

Related: Where to Travel in 2021

Although COVID variants remain, regulations are still evolving, and precautions must still be taken, many of the destinations we chose for 2022 offer what we believe travelers are looking for in a post-pandemic world, from hotels with private accommodations to destinations teeming with fresh-air activities. Others, like Las Vegas, are for those who are ready and raring to make up for all the social time they missed — with a few splashy headliners, including Adele and the Raiders, thrown in for good measure. 

Related: The Top 100 Hotels in the World

As cruising makes its comeback, we included unforgettable places to see by water, from Antarctica to the Nile, and as hard-hit destinations like Italy and Asia recover, we found the buzziest reasons to return. Of course we didn’t forget about all the stateside gems we got to know while domestic travel was surging, from Alaska and California to Florida and Michigan.

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Flos Restaurant Gift Card given away from Shield Insurance Agency

Gift Card Winners Compliments of Shield Insurance Agency!

Friday, December 31, 2021

Every week, Shield Insurance Agency draws a winner of a local gift card from its clients and social media followers.

Why? Because we love giving stuff away!

Be sure to LIKE our Facebook Page to get yourself entered to win and see who the winners are!

Shield Insurance Agency has given away thousands of dollars in local gift cards over the last 20 years serving Michigan.

Look who is winning!

Shield Insurance Weekly Gift Card Winner
Shield Insurance Weekly Winner
Target Gift Winner from Shield Insurance Agency in Michigan
Subway Giftcard Winner from Shield Insurance
Meijer gift card winner from Shield Insurance Agency
Shield Insurance Agency Lowes Gift Card Winner
Shield Insurance Agency Denny's Gift Card Winner
Shield Insurance Agency Cracker Barrel Gift Card Winner
Shield Insurance Agency Meijer Gift Card Winner
Shield Insurance Agency Lowes Gift Card Winner!
Shield Insurance Agency Target Gift Card Winner!
Shield Insurance Agency Red Robin Gift Card Winner
Panera Bread Gift Card Winner at Shield Insurance Agency
Subway Gift Card Winner at Shield Insurance Agency
Shield Insurance gives away another local gift card!
Target Shield Insurance Gift Card Give A Way
Red Robin Gift Card Winner at Shield Insurance Agency

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Shield Insurance is helping Roslyn & Maddox by donating $25 to the family for each non-client who gets a quote from Shield

Shield Referral Program Supports Local Family

Shield Referral Program Supports Local Sparta, Michigan Family

Your Referrals to Shield Insurance Agency Help a Local Family in Need

Your referral can make a difference for Roslyn and Maddox who both have a form of Arthrogryposis Multiplex Congenital. Shield Insurance is helping this Sparta, MI family 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 them! (Be sure to mention Roslyn and Maddox in the comment section!) You can also call or text the office (616) 896-4600 and one of our agents will take a few minutes of your time to offer up a quote. Don’t forget to mention Ros and Maddox

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

Meet Roslyn
Roslyn and Shield Insurance Agency Referral Program

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The do's and don'ts of driving with a trailer - Shield Insurance Agency Blog

The do’s and don’ts of driving with a trailer

 by The Foremost Creative Team

Whether you’re taking a road trip or taking the family camping, driving with a trailer can be a challenge. According to eTrailer.com, when you add a trailer to your vehicle, the overall handling, and rules of driving dramatically change. Using your hitch to tow your favorite travel trailer means you should give yourself more time to slow down and turn corners. It’s important that drivers of all experience use trailer brakes to decrease speed evenly with the added weight that’s being towed. And, because trailers don’t follow the exact path as the vehicle on turns, always remember to safely swing out wider when traveling around bends and corners.

Here are some do’s and don’ts of towing to keep you safe on the road.

Do’s

  • Gradually reduce speed
  • Travel at an even, moderate speed
  • Steady the steering wheel — sudden turns can cause more sway
  • Be cautious of potholes and large bumps
  • Use a lower gear over large hills or down gravel roads
  • Avoid slamming on the brakes — jackknifing could occur

Don’ts

  • Consistently stay in overdrive and/or in a high gear
  • Attempt to steer out of trailer sway
  • Forget to add sway control or a weight distribution system
  • Be afraid to safely stop and reload trailer in case of engine problems, sway, flat tires, etc.

Foremost wants you to tow and travel safely!


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Shield Insurance Agency Home Office in Hudsonville, Michigan

Happy Halloween to All!

Shield Insurance Agency wishes everyone a Safe and Happy Halloween!

Stop by the office, any time of the year, and we will have some treats for everyone!

We are located at 3214 Chicago Drive in Hudsonville, MI

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UTV Safety Before you Ride - Shield Insurance Agency Blog

UTV safety before you ride

UTV safety: Off-road vehicles are a thrill, but they can be dangerous if you don’t know how to properly ride them. Did you know, according to the Consumer Product Safety Commission, there were almost 94,000 off-road vehicle injuries treated in the emergency room in 2017? That’s why it’s important to understand the dangers and take safety precautions before riding.

Off-road vehicles refer to many different machines, including ATVs, dirt bikes, 4-wheel drive trucks, SUVs, and UTVs. In this article, we’ll focus on UTV safety. They’re utility-terrain vehicles, utility task vehicles, or side-by-sides. They look like a cross between an ATV and a Jeep but trust me, they don’t drive like either one. Before you take one for a ride, remember these safety tips:

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