Home Insurance

Are School Supplies Covered by Insurance?

Posted on by Shield Insurance Agency

Homeowners Insurance may cover some of the cost of school supplies

In those lazy days of summer, it’s easy to forget about the school supplies needed for that quickly approaching fall season. Some of you may be busy buying school supplies, and school clothes, and getting ready to send kids off to college while squeezing in one last trip to the beach or pool.

School supplies are not cheap these days.

Have you checked with your home or renters insurance to see if that TI-85 scientific calculator is covered? What about the new Apple Mac Book, Ipad, or smartphone you just invested in? What about the vanload of stuff your college student is taking with them to their dorm?

Most insurance policies offer limited coverage for electronic items unless a special endorsement is purchased or they are specifically listed. Some policies offer a portion of your home’s property coverage for the things your college student is taking with them.

Check with your insurance agent to see if you are properly covered so you can send your kids off to school with this peace of mind. Have a great school year!

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Here Comes Winter Again

Posted on by Shield Insurance Agency

As of December 21 – the official first day of winter – approaches, we all know what is likely to come with it. Snow! We live in a state shaped like a mitten, stands to reason that we will get snow. We have already had a dose of winter weather, heavy snow, and even some snow days! Are you prepared? We know from experiences last winter that snow can build up quickly and be really heavy. The excessive weight from snow and ice can lead to structural stress and damage to roofs and walls, even collapse. Please take precautions to reduce the amount of snow on your roof. Especially flat roofs. Just like snow build-up, a snow and rain cycle can lead to ice dams. Below are a few steps that you can take to help prevent ice dams from forming, brought to you by Fremont Insurance:

  • Keep gutters and down spouts clear of debris, snow and ice, so melting roof snow can flow
  • Keep snow on your roof to a minimum. Roof rakes let you stand on the ground to safely pull the snow off the roof.
  • Evaluate attic insulation and ventilation. Good airflow is essential to a cool dry attic.

Stay warm. Stay safe. Enjoy and be awed by the amazing weather changes we experience in this great state!

Merry Christmas & Blessed New Year!

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Google Takes on Auto Insurance

Posted on by Shield Insurance Agency

Is Google taking over auto insurance???

Big in the news is that you can now get auto insurance quotes from Google (CA only so far). They’ll shop a bunch of different companies and show you all the rates, then you can choose a policy and buy it. Pretty cool, eh? Many experts are kind of freaking out about how this will affect the independent agent and if it is the beginning of our demise! I absolutely beg to differ!!

Here’s (partly) why: When google asks a question “What liability limits do you want” and you see options of ‘state minimum’, ‘100/300’, or ‘500CSL’, do you know what to choose? And more importantly, WHY you should make a certain choice? An independent agent can help you answer that question. An independent agent can also help you make strategic decisions on deciding whether to decline a specific coverage. We are your partner in helping you get a policy that doesn’t over or under-insure you. Google also has tons of analytical data, such as speed limits, crash statistics, traffic stats, etc, which should help make it be able to estimate a price for insurance if they ever actually decided to sell auto insurance themselves.

But another great thing about independent agencies is that we can sell many other products along with auto insurance! Such as home, health, life, or business insurance. So, it makes sense for a person to keep all their insurance in one place, to take advantage of “multi-policy” discounts, and even just for simple ease of doing business. So, the customer doesn’t have to keep track of lots of phone numbers of places to call for insurance!! This is just the tip of the iceberg on this topic! But it’s definitely an interesting topic to see how certain groups are responding. Have a great day!


Thanks, Andy

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Why Flood Insurance is a Must-Have – Don’t Get Caught in the Storm!

Posted on by Shield Insurance Agency

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

Many people think of flood insurance as only for those who live right next to a large river, lake, or ocean. Did you know that flood insurance can be purchased by almost anyone, whether you are in a flood zone or not? Your typical home insurance policy does not cover claims associated with a flood. So, what is the definition of a flood you ask? A flood is “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from Overflow of inland or tidal waters; Unusual and rapid accumulation or run-off of surface waters from any source; mudflow; Collapse or subsidence of land along the shore of a lake or a similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.” (FEMA NFIP)

That definition doesn’t sound like it affects Michigan too much right? Wrong! Michigan ranked in the top 10 states for the total number of claims filed and the total claim payments for 2014. The NFIP (National Flood Insurance Program) reports that in 2014 there were 495 claims filed in the State of Michigan with total claim payments totaling $8,816,751. That’s Michigan only! The NFIP paid out more than $345 billion total in flood insurance claims in 2014.

Is flood insurance right for everyone, not necessarily, but it is worth looking into to protect your family and your investment. It’s important to know what is covered under your regular home insurance policy and what would be covered under a flood insurance policy. Just a couple of inches of floodwater can cause tens of thousands of dollars in damage.

The average flood insurance policy costs about $700 per year and there are a few different programs that homeowners fall into or qualify for. Every home location is different so it is important to check out flood rates for your specific location and not base your decision on your neighbor’s findings; yours might be very different.

I’ll blog next time about what is covered and what is not covered under a flood insurance policy. In the meantime, feel free to contact me with any questions or inquiries.

Tammy Kaptein

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Flood Insurance: What is Covered

Posted on by Shield Insurance Agency

Shield Insurance Blog | Flood Insurance | Contact our office!

Back in August we talked about the definition of a flood and how it affects clients in Michigan. I would like to continue that topic and discuss what is actually covered by a flood insurance policy.  According to the NFIP, generally, physical damage to your building or personal property “directly” caused by a flood are covered by your flood insurance policy.  Here is a brief list (not limited to) of what is covered under “Building” coverage:

  • The insured building and it’s foundation
  • The electrical and plumbing systems
  • Central air conditioning equipment, furnace and water heaters
  • Refrigerators, cooking stoves and built-in appliances like dishwashers
  • Permanently installed carpet over an unfinished floor
  • Detached garage (up to 10% of building coverage)
  • Debris removal

A brief list of what is covered under the “Personal Property” coverage:

  • Personal belongings such as clothing, furniture and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not included in building coverage
  • Clothes washers and dryers
  • Food freezers and the food in them

What is not covered by either Building or Property Coverage:

  • Damage caused by moisture, mildew or mold that could have been avoided by the property owner.
  • Currency, precious metals and valuable papers such as stock certificates.
  • Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, patios, fences, seawalls, hot tubs and swimming pools.
  • Living expenses such as temporary housing
  • Financial loss caused by business interruption
  • Most self propelled vehicles such as cars, including their parts.

Now, with all of the above being said, we will discuss next time the coverage limitations in a basement.  Stay tuned because I think you will be surprised.

*Lists taken from the FEMA National Flood Insurance Program Summary of Coverage.*

Submitted by Tammy

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RANT: Why Do Some People Hate Insurance Companies?

Posted on by Shield Insurance Agency

Shield Insurance Blog | Insurance Companies | Contact Us Today!

Why do some people hate insurance companies?  

OK… The big giant asterisk here first… Some of what I’m about to say is unproven, although I believe it to be true.  Feel free to email me to dispute what I say and I will be happy to listen to what you have to say about this.  Education on a topic is sometimes skewed by one’s beliefs, so I’m going to try to be unbiased.  🙂

Insurance company’s profits are usually around 3% !!!  They are highly regulated by the States. People complain that their rates are too high.  Can people see that insurance companies are simply a pass-through for our money?

Car crashes… SOME car repair companies sometimes over-quote since they know insurance is involved.  We tell people to please get 3 quotes.  Sometimes, they are 50% apart!!  I KNOW this is true SOMETIMES for glass companies too.  You can tell them that there’s no insurance involved and get a quote for $180 for a windshield, and someone else calls back on the same day for the same exact car and they say there is insurance involved and it’s over $400??  The list of examples goes on and on and on.

How about Fraud.  

Insurance companies have to employ people to fight this!  I don’t have a lot of stats on this, but I know it’s a HUGE deal and it makes our premiums go up and up and up! Some fraud is black and white, but others… not so much… did you have a fire?  how much was that watch that got burned up worth?  Even some good people will stretch the truth!

Frivolous lawsuits.  

Yep, they’re out there… lots and lots and lots of them.  Here again, I don’t have stats at hand, but I know it’s another big deal that the insurance companies have to hire people to fight against and many times just payout to settle to reduce court costs whether right or wrong!  Not to mention valid lawsuits where people get more than they deserve?  OK… I know this is debatable on many levels, so please don’t grill me or razz me on this one!!

You can apply these issues to any type of insurance!  Car, Home, and Health (have you seen pharmaceutical profits!!??) are probably the big ones.  I know Medical Malpractice is a big one too, but I’m not much of an expert on this one, but I heard 1/3 of doctor’s salaries go to pay for this.

So the next time you want to complain about your insurance rates, trust me, I completely agree…. but please don’t blame the insurance companies!!!

Submitted by Andy

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Michigan’s Four Seasons: A Journey Through Nature’s Spectacular Transformations

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Shield Insurance Blog | Four Seasons | Auto Insurance | Start A Quote Today!

Michigan’s Four Seasons:

Michigan is a state known for its breathtaking natural beauty and diverse landscapes. From the stunning shores of the Great Lakes to the lush forests and rolling hills, Michigan offers a unique experience in every season. In this blog post, we will take you on a journey through Michigan’s four seasons, exploring the spectacular transformations that nature undergoes throughout the year.

Spring: A Time of Renewal

As winter fades away, Michigan awakens to the vibrant colors and fragrant blossoms of spring. The snow melts, revealing the lush greenery that blankets the state. The cherry blossoms in Traverse City and the tulip fields in Holland are a sight to behold, painting the landscape with a riot of colors. Spring is also the time when wildlife emerges from hibernation, and birdwatchers flock to the state to catch a glimpse of migratory birds making their way north.

Summer: Fun in the Sun

Michigan summers are synonymous with outdoor adventures and endless fun. With over 3,000 miles of coastline, the state offers an abundance of opportunities for swimming, boating, and fishing. The Great Lakes provide a refreshing escape from the heat, and the sandy beaches beckon visitors to relax and soak up the sun. Summer is also the perfect time to explore Michigan’s numerous state parks and hiking trails, where you can immerse yourself in the beauty of nature.

Fall: A Tapestry of Colors

When autumn arrives, Michigan transforms into a breathtaking tapestry of colors. The leaves on the trees change from vibrant greens to fiery reds, oranges, and yellows, creating a stunning display that attracts visitors from near and far. The Upper Peninsula is particularly famous for its fall foliage, with the Porcupine Mountains and Tahquamenon Falls State Park offering some of the most picturesque views. Fall is also the season for apple picking, cider tasting, and enjoying the harvest festivals that dot the state.

Winter: A Winter Wonderland

Michigan winters are a true winter wonderland. As the temperatures drop, the state becomes a playground for winter sports enthusiasts. From skiing and snowboarding to ice fishing and snowshoeing, there is no shortage of activities to enjoy in the snow-covered landscape. The Upper Peninsula is a haven for snow lovers, with its abundance of snowfall and pristine trails. The frozen waterfalls at Pictured Rocks National Lakeshore and the ice caves at Sleeping Bear Dunes National Lakeshore are must-see attractions during the winter months.

All Four Seasons: Shield Insurance Agency isYour Trusted Insurance Partner

While exploring Michigan’s four seasons, it’s important to ensure that you have the right insurance coverage to protect yourself and your belongings. Shield Insurance Agency is here to help. With over 40 insurance companies represented, we can find the perfect policy to meet your needs. Whether you’re looking for auto, home, renters, or business insurance, our experienced agents will guide you through the process and provide you with a free quote.

Contact Shield Insurance Agency Today

Don’t wait until it’s too late. Contact Shield Insurance Agency today for a free quote. You can reach us at (616) 896-4600 or start the quoting process by visiting our website and filling out the form. An agent will be in touch soon to discuss your options and help you find the insurance coverage that gives you peace of mind.

In conclusion, Michigan’s four seasons offer a journey through nature’s spectacular transformations. From the enchanting beauty of spring to the mesmerizing magic of summer, the hidden wonders of fall, and the winter wonderland that blankets the state, Michigan is a destination that never fails to captivate. So, pack your bags, grab your camera, and embark on an adventure through Michigan’s four seasons. You won’t be disappointed.

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Home Safety Tips

Posted on by Shield Insurance Agency

Home Safety Tips

​I follow the blog of a family friend who is a real estate agent and he recently had some great tips on keeping your home safe – safer than you think it might already be.  I thought this was too great of a list not to share.

A home is a place you should feel safe and secure. Sometimes, we take it for granted, and unfortunately, we do need to remain vigilant about things we do that could compromise our safety. Here are a few tips to consider:

Everyone loves an inviting home including burglars. Make sure it looks occupied and is difficult to break in. Always lock outside doors and windows even if you’re only gone for a brief time. Lock gates and fences. Leave lights on when you leave; consider timers to automatically control the lights. Keep your garage door closed even when you’re home; don’t tempt thieves with what you have in your garage. Suspend your mail and newspaper delivery when you’re out of town or get a neighbor to pick it up for you. Posting that you’re out of town or away from home on social networks is like advertising your home is unprotected. Equally dangerous could be allowing certain social network sites to track your location. Don’t leave keys under doormats, in flowerpots, or the plastic rocks; thieves know about those hiding places and even more than you can think. Trim the shrubs from around your home; don’t give criminals a place to hide. Use exterior motion detectors and yard lighting. Have an alarm system and use it when you leave home and go to bed. Put 3 ½” deck screws in door plates and door hinges. Have good deadbolts on all exterior doors. Exterior doors should be solid core. ​

submitted by Tammy

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Happy Groundhog Day, 2018

Posted on by Shield Insurance Agency

Updated: Aug 6, 2018

Written by Shield Insurance Agency on Feb 2, 2018

Groundhog Day 2018

Punxsutawney Phil indeed communicated in “groundhog talk” that he had cast a shadow. According to legend, that means the weather will be wintry for the next 6 weeks.   OK! So if he wouldn’t cast a shadow, then we would have an early spring. Which either way you look at it, March 20th is the 1st day of Spring regardless. I will always remember when the first day of Spring is because it is my sweet Mother’s Birthday, a nice way to welcome the season.

Of course, visually seeing the 1st Robin of the season helps too! 🙂   In the meantime, we are getting a bunch of snow right now and still have to be extra cautious when we are driving. But, if you are a true Michigander, you do appreciate the beautiful, majestic, gorgeous Wintry splendor. The warm weather will be on us soon enough, but sit back and read your favorite book by your crackling fire or take a walk outside and marvel at the beautiful snowflakes casually drifting down on you and realize that the warmer weather is just around the corner. 

submitted by Dawn


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Captive vs Independent Agents

Posted on by Shield Insurance Agency

Shield Insurance Blog | Captive vs Independent Agents |

Written by Shield Insurance Agency on Apr 11, 2018

Captive vs Independent Agents

Hello Friends, Family, Clients, Potential Clients. 

I am writing this Blog Entry today, because my Dad, Andy, the owner of the Agency, is asking me to. We believe that a website with Blog entries every so often will get more views than one that has none. We are always looking for ways to get our Business more Business, and if a Blog is one, then we will have a Blog!

I was struggling very hard on what to write about for this blog, as I am not exactly a person who just writes for fun by any means. I thought that I would tackle the thought process of buying from an Independent Agency, versus Buying from a Captive Agency. Not a lot of people know the difference, and not a lot of people even know there IS a difference. 

First, let me explain the Difference between Independent Agency and a Captive Agency.  A Captive Agency is an agency that can only sell one single Insurance Company Product. For example; State Farm, Farm Bureau,  Farmers. These type of Captive Agents sell their Customers that specific companies Products, and then after the Policy renews, they renew with that Specific company. Year after year the customer stays with that specific company no matter what happens to the Price or coverage because that Captive Agency only sells that company. Captive Agencies have the Majority of Personal lines, customers, in the United States, but I personally think that is because of the Marketing these captive Agencies do. 

An Independent Agency sells many company’s products to their customers. Shield Insurance is an Independent Agency, we sell 8 different Home and Auto Companies to our Customers. Here is the List; Wolverine Mutual Insurance, Fremont Insurance, State Auto Insurance, Foremost Specialty Insurance, Progressive Insurance, AAA Insurance, Safe-co Insurance, Grange Insurance. When an Independent Agency Writes a policy for a client, they quote all of their companies to figure out which one is going to give that client the lowest price, with the best coverage, and that is who they put the client with. After 6 months when the Policy Renews, the agent will evaluate the Price, and if there is any sort of Increase, the agent will check all of the Other companies they Represent, and see if any of them have a cheaper price, and if they do, they will present that to their Client, and save them money on the renewal.  (Some agencies don’t check, but we do!).

This is the Process of a Captive Agency, Versus an Independent Agency. The Independent Agent Shops for you, Year after Year. The Captive agent, keeps you as a Client Year after year, while your Policies are stuck with one Company.  Obviously, I am a bit bias being an Independent Agent, but just think about the Thought process, would someone want to go somewhere they can only receive the same quote, or would they want to go somewhere that shops for them, and find the best price for them.  I have yet to find More Benefits to being with a Captive Agency, versus an Independent Agency, but if anyone knows any, feel free to email me about it! Thanks for reading my Blog Entry today Folks, Hope everyone has a wonderful day.

submitted by TJ


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