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

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

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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Uninsured Motorist Coverage The Ultimate Guide to Peace of Mind on the Road.

Uninsured Motorist Coverage: The Ultimate Guide to Peace of Mind on the Road

Shield Insurance Blog | Uninsured Motorist Coverage | Start A Quote Today!

Driving on the road can be a thrilling experience, but it also comes with its fair share of risks. One of the biggest concerns for any driver is the possibility of getting into an accident with an uninsured motorist. In such situations, having uninsured motorist coverage can provide you with the peace of mind you need. In this ultimate guide, we will explore what uninsured motorist coverage is, why it is important, and how it can protect you in case of an accident.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage is an insurance policy that protects you if you are involved in an accident with a driver who does not have insurance or has insufficient coverage. It is an optional coverage that you can add to your existing auto insurance policy. In the event of an accident, uninsured motorist coverage will help cover your medical expenses, lost wages, and other damages caused by the uninsured driver.

Why is it Important?

1. Protection against Uninsured Drivers: According to the Insurance Research Council, approximately one in eight drivers in the United States is uninsured. If you are involved in an accident with an uninsured driver, you may be left to cover the expenses out of your own pocket. Uninsured motorist coverage ensures that you are protected in such situations.

2. Medical Expenses Coverage: In the unfortunate event of an accident, medical expenses can quickly add up. Uninsured motorist coverage can help cover the cost of medical treatment, including hospital bills, surgeries, and rehabilitation. This coverage can be a lifesaver, especially if you do not have health insurance or have high deductibles.

3. Lost Wages Coverage: If you are injured in an accident and unable to work, uninsured motorist coverage can provide compensation for your lost wages. This can help alleviate the financial burden caused by the accident and allow you to focus on your recovery without worrying about your income.

4. Property Damage Coverage: Uninsured motorist coverage not only protects you against bodily injuries but also covers damages to your vehicle. If the uninsured driver is at fault for the accident, this coverage can help pay for the repairs or replacement of your vehicle.

How Does Uninsured Motorist Coverage Work?

Uninsured motorist coverage can vary depending on your insurance provider and the state you live in. However, there are a few key components that are common across most policies:

1. Bodily Injury Coverage: This component of uninsured motorist coverage helps cover medical expenses, lost wages, and pain and suffering caused by the accident. It typically has a per-person and per-accident limit, which determines the maximum amount the insurance company will pay.

2. Property Damage Coverage: This component covers the cost of repairing or replacing your vehicle if it is damaged in an accident with an uninsured driver. Like bodily injury coverage, it also has a limit that determines the maximum amount the insurance company will pay.

3. Hit-and-Run Coverage: Some uninsured motorist policies also include coverage for hit-and-run accidents. If you are involved in a hit-and-run and the responsible driver cannot be identified, this coverage can help cover your medical expenses and property damage.

4. Underinsured Motorist Coverage: In addition to uninsured motorist coverage, some policies also include underinsured motorist coverage. This coverage comes into play when the at-fault driver has insurance, but their coverage is insufficient to fully compensate you for your damages. Underinsured motorist coverage helps bridge the gap between the at-fault driver’s coverage and your actual damages.

How to Obtain this Coverage

To obtain uninsured motorist coverage, you need to contact your insurance provider and add it to your existing auto insurance policy. The cost of uninsured motorist coverage can vary depending on factors such as your driving record, the state you live in, and the coverage limits you choose. It is important to review your policy and understand the coverage limits and exclusions before making a decision.

Uninsured motorist coverage is a crucial component of any auto insurance policy. It provides you with the peace of mind you need on the road, knowing that you are protected in case of an accident with an uninsured driver. From covering medical expenses to compensating for lost wages and property damage, uninsured motorist coverage offers comprehensive protection. Don’t wait until it’s too late – add uninsured motorist coverage to your policy today and drive with confidence knowing that you are prepared for any situation that may arise on the road.

Shield Insurance Agency represents over 40 insurance companies. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.


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Understanding Michigan State Short-Term Disability Insurance: Everything You Need to Know

Short-Term Disability Insurance: Everything You Need to Know in Michigan

Shield Insurance Blog | Short-Term Disability Insurance | Start A Quote Today!

What is Michigan State Short-Term Disability Insurance?

Short-term disability insurance is designed to provide income replacement for individuals who are unable to work due to a temporary disability. This type of insurance coverage typically lasts for a specific period, usually up to six months, and provides a percentage of the individual’s pre-disability income.

What Does Short-Term Disability Insurance Cover in Michigan?

Short-term disability insurance in Michigan covers a wide range of health conditions that prevent individuals from working. These conditions can include illnesses, injuries, surgeries, and mental health disorders. However, it is important to note that not all health conditions are covered under short-term disability insurance. Certain pre-existing conditions may be excluded from coverage.

How Does Short-Term Disability Insurance Work in Michigan?

In Michigan, short-term disability insurance is typically provided through an employer-sponsored group plan or purchased individually. When an individual becomes disabled and is unable to work, they must file a claim with their insurance provider. The insurance provider will review the claim and determine if the individual meets the criteria for disability benefits. If approved, the individual will receive a percentage of their pre-disability income for the duration of their disability.

What Health Conditions are Included and Categorically Excluded?

Short-term disability insurance in Michigan covers a wide range of health conditions, including but not limited to:

– Illnesses such as cancer, heart disease, and diabetes

– Injuries such as broken bones, sprains, and concussions

– Surgeries such as joint replacements, hernia repairs, and appendectomies

– Mental health disorders such as depression, anxiety, and bipolar disorder

However, certain health conditions may be categorically excluded from coverage. These can include pre-existing conditions, self-inflicted injuries, and disabilities caused by illegal activities.

What are the Significant Terms to Remember?

When it comes to short-term disability insurance in Michigan, there are several significant terms to remember. These include:

– Elimination period: This is the waiting period before disability benefits begin. It is typically a specified number of days after the disability occurs.

– Benefit period: This is the length of time that disability benefits will be paid. It is usually up to six months but can vary depending on the policy.

– Benefit amount: This is the percentage of the individual’s pre-disability income that will be paid as disability benefits. It is typically around 60-70% of the individual’s income.

More About Short-Term Disability Insurance

Short-term disability insurance provides individuals with financial protection during a temporary disability. It can help cover expenses such as medical bills, mortgage or rent payments, and daily living expenses. It is important to carefully review the terms and conditions of a short-term disability insurance policy to ensure that it meets your specific needs.

Can I Get Temporary Disability After Surgery?

Yes, short-term disability insurance can provide coverage for individuals who are unable to work due to surgery. Whether it is a minor procedure or a major surgery, short-term disability insurance can help replace a portion of the individual’s income during their recovery period.

What are the Common Procedures that Lead to Short-Term Disability?

Several common procedures can lead to short-term disability, including:

– Joint replacements: Procedures such as hip or knee replacements can require a significant recovery period and may result in temporary disability.

– Hernia repairs: Hernia repairs can be a major surgery that requires time off work for recovery.

– Appendectomies: An appendectomy is the surgical removal of the appendix and can result in a temporary disability.

What are the Options After Wrongful Disability Denials?

If an individual’s short-term disability claim is wrongfully denied, there are options available to appeal the decision. It is important to gather all relevant medical documentation and evidence to support the claim. Seeking legal advice from an experienced attorney specializing in disability insurance can also be beneficial in navigating the appeals process.

What are the Common Red Flags that Indicate Bad-Faith Delays or Wrongful Denials of Disability Coverage?

Several common red flags may indicate bad faith delays or wrongful denials of disability coverage. These can include:

– Unreasonable delays in processing the claim

– Inconsistent or contradictory reasons for denial

– Failure to provide a clear explanation for the denial

– Ignoring or misrepresenting medical evidence

– Failing to consider all relevant information

If any of these red flags are present, it may be necessary to seek legal assistance to ensure that the individual’s rights are protected.

Shield Insurance Agency Represents Over 40 Insurance Companies

Shield Insurance Agency is a trusted insurance agency that represents over 40 insurance companies. They specialize in providing individuals with the best insurance coverage options to

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The Ultimate Guide to Walking: All Your Questions Answered!

Shield Insurance Blog | Walking | Health Insurance | Start A Quote Today!

Your Top Walking Questions — Answered!

Walking is a fantastic form of exercise that is accessible to almost everyone. It’s low-impact, easy to do, and can be done anywhere, anytime. But like any form of exercise, there are often questions and uncertainties that arise. In this blog post, we will answer some of the most common questions about walking to help you get the most out of your walking routine.

1. Should I carry weights to burn more calories?

Carrying weights while walking can increase the intensity of your workout and potentially burn more calories. However, it’s important to use caution when adding weights, as they can put strain on your joints and muscles. Start with lighter weights and gradually increase the load as your strength improves. It’s also a good idea to consult with a fitness professional to ensure you are using proper form and technique.

2. How fast should I walk?

The speed at which you walk depends on your fitness level and goals. A brisk pace is generally recommended for cardiovascular benefits. Aim for a pace where you can still carry on a conversation but feel slightly breathless. If you’re just starting out, start with a comfortable pace and gradually increase your speed over time.

3. Do I really need to lug a bottle of water with me during a long walk?

Staying hydrated is important, especially during longer walks or in hot weather. While it may be tempting to skip carrying a water bottle to lighten your load, it’s essential to have access to water to prevent dehydration. Invest in a lightweight, portable water bottle that you can easily carry with you.

4. Is walking as good as other forms of cardiovascular exercise?

Walking is an excellent form of cardiovascular exercise that offers numerous health benefits. It can improve heart health, strengthen muscles, and help with weight management. While other forms of exercise may have their own advantages, walking is a great option for people of all fitness levels and ages.

5. Which is more beneficial: walking outside or using a treadmill indoors?

Both walking outside and using a treadmill indoors have their advantages. Walking outside allows you to enjoy fresh air, nature, and changing scenery. Treadmills, on the other hand, provide a controlled environment and allow you to easily track your speed, distance, and other metrics. Ultimately, the choice between the two depends on personal preference and convenience.

6. What’s the best time of day to walk?

The best time of day to walk is whenever it fits into your schedule and you can commit to it consistently. Some people prefer to walk in the morning to kickstart their day, while others find that an evening walk helps them unwind. Experiment with different times of day to find what works best for you.

7. Should I eat before I walk?

It’s generally recommended to have a light snack or meal before walking, especially if you’re planning a longer or more intense walk. This will provide your body with the necessary fuel to sustain your activity. Opt for a balanced meal or snack that includes carbohydrates for energy and protein for muscle repair.

8. What’s the simplest way to determine how fast I’m walking?

The simplest way to determine your walking speed is to use a pedometer or a fitness tracker that measures your steps and distance. These devices can provide you with valuable information about your walking pace and progress.

9. How many calories do I burn by walking a mile?

The number of calories burned while walking a mile depends on various factors such as your weight, walking speed, and terrain. On average, a person weighing around 150 pounds can burn approximately 100 calories by walking a mile at a moderate pace.

10. My walking shoes have two sets of eyelets. Which should I use?

The choice of eyelets depends on your foot shape and comfort. Experiment with both sets of eyelets to find the lacing pattern that provides the best fit and support for your feet.

11. I walk early in the morning, so my walking shoes always get wet. They’re still damp the next day when I go to put them on. Any suggestions?

To dry your walking shoes more quickly, remove the insoles and place them in a well-ventilated area. Stuff the shoes with newspaper or use a shoe dryer to absorb moisture. Avoid direct heat sources like radiators, as they can damage the shoes.

12. When should I get new shoes?

It’s recommended to replace your walking shoes every 300-500 miles or every 6-12 months, depending on your walking frequency and the wear and tear on the shoes. Inspect your shoes regularly for signs of wear, such as worn-out soles or decreased cushioning.

13. How can I evaluate my fitness level as a walker?

There are several ways to evaluate your fitness level as a walker. You can track your walking speed, distance, and time to monitor your progress over time. Additionally, you can perform a walking test, such as the 6-minute walk test, to


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Thriving Through Turbulence: How Commercial Insurance Protects Your Michigan Business

Thriving Through Turbulence: How Commercial Insurance Protects Your Michigan Business

Shield Insurance Blog | Commercial Insurance | Meet TJ | Start A Quote Today!

Michigan’s businesses face a variety of daily challenges that can negatively impact their businesses. Commercial insurance helps Michigan business owners protect their most important investments. 

How Your Business Can Thrive Through Turbulence

Smart business owners mitigate the challenges that affect business growth, operations, and financial stability by investing in business insurance. 

Why Michigan Businesses Need Commercial Insurance 

When businesses experience financial turbulence, business insurance acts as a shield to safeguard your business against turbulence. For example, unexpected events like floods or natural disasters can end a business without commercial insurance. 

Michigan Commercial Insurance Coverages

Business insurance policies provide a financial security blanket that shields Michigan business owners from loss. 

Legal Disputes

Commercial insurance helps to protect Michigan business owners when legal disputes about business operations, products or services. 

Lawsuits

Avoid paying out-of-pocket if your business is sued by a customer, vendor, or partner. 

Workers Compensation Claims

Do you have workers injured on the job? Protect your business from work stoppage when workers’ compensation claims threaten your bottom line. 

Slip and Fall Accidents

Accidents happen, and when accidents happen on your business property, the results can be costly. Shield your Michigan business from loss with a protective policy. 

Not sure which commercial insurance plan is right for you? Talk to the Michigan business insurance experts at Shield Insurance Agency. 

Get Commercial Insurance in Michigan!

Our knowledgeable insurance agents can walk you through the steps to choose the best business insurance policy to protect your business assets in Michigan. We can also talk to you about bundling your business insurance policy with other forms of business insurance to best meet your needs. Contact Shield Insurance Agency for a quote today!

Shield Insurance Agency represents over 40 insurance companies. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.


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Hairless Animals Are Barely Recognizable - Shield Insurance Blog

Hairless Animals That Are Barely Recognizable

BoredPanda.com | Hairless Animals | Pet Insurance | Start a Quote Today!

Humans are not the only ones who suffer from hair loss. Whether caused by disease or old age, this condition can affect our animal friends, too.

Hair loss from the head or body is technically called alopecia. It can have many different causes, such as natural processes (seasonality or aging), biological dysfunctions (vitamin or mineral imbalance), genetic mutations, diseases or parasitic infestations. Some dogs, cats, rats and guinea pigs were even bred to be hairless by humans.

Luckily, the weird animals from our list below don’t seem to mind their hair, fur or feather loss. What do you think – are these hairless animals still just as cute as with their furs and feathers?

Hairless Rabbit

These 15 Animals Without Hair Are Barely Recognizable
These 15 Animals Without Hair Are Barely Recognizable

This cute bunny was born in 2009 and he instantly became an Internet sensation for being bald. Fortunately, after three months he grew his first coat and turned out to be as normal as his fluffy siblings. (Source: teddytassen.se)

Hairless Animals: Bear

These 15 Animals Without Hair Are Barely Recognizable
These 15 Animals Without Hair Are Barely Recognizable

Dolores the bear is among other female bears that were affected by sudden hair loss at a zoo in Leipzig, Germany. Some experts believe this was caused by a genetic defect, though the animals do not seem to be suffering from any other afflictions. (Source: Daily Mail)

Hairless Hedgehog

These 15 Animals Without Hair Are Barely Recognizable
These 15 Animals Without Hair Are Barely Recognizable

Meet Betty, the cute bald hedgehog-ette from Foxy Lodge rescue center, UK. She is a healthy and absolutely fine critter apart from being bald, the cause of which is unknown. (Source: greatyarmouthmercury.co.uk)

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Neighbors Call Cops On Kid Trying To Mow And Save For PS5. Guess what happens next?

PS5 Drives Kids to Raise Funds

Neighbors Call Cops On Kid Trying To Mow And Save For PS5. The Cops Pitch In And Buy The Kid A PS5

SunnySkyz.com | PS5 | Shield Insurance Blog | Start A Quote Today! | August 1, 2023

A heartwarming incident unfolded in Hapeville, Georgia, when a young boy, determined to earn money to buy a PlayStation 5 (PS5), faced an unexpected hurdle as neighbors called the police on him.

cops buy kid ps5
City of Hapeville Police

The ambitious boy had set his sights on owning a PS5 and decided to raise money for the console by offering lawn-mowing services to neighbors in his community.

However, neighbors wanted the juvenile removed from the area and called the police.

“Officer Colleran made contact with a young man that explained he was in the area because he wanted to do yard work: pulling weeds, cutting grass, and trimming hedges to save up for a PlayStation. The young man was polite, respectful, and truthful,” the Hapeville police department explained.

cops buy kid ps5
City of Hapeville Police

Officer Colleran, a gamer himself, was so impressed with the young man that he decided to help him reach his goal.

Officer Colleran and some of his friends came together to get the video game system and even a gift card to pay for the membership so the boy could play immediately.

A PS5 costs $500 and a membership is $10 a month.

“Officer Colleran made sure that this young man knew they would play on the same team online soon!” the department said.

The Playstation has come a long way!

PS5 or PlayStation 5

The PlayStation 5 (PS5) is a home video game console developed by Sony Interactive Entertainment. It was announced as the successor to the PlayStation 4 in April 2019, was launched on November 12, 2020, in Australia, Japan, New Zealand, North America, and South Korea, and was released worldwide one week later. The PS5 is part of the ninth generation of video game consoles, along with Microsoft‘s Xbox Series X/S consoles, which were released in the same month.

The base model includes an optical disc drive compatible with Ultra HD Blu-ray discs. The Digital Edition lacks this drive, as a lower-cost model for buying games only through download. The two variants were launched simultaneously.

The PlayStation 5’s main hardware features include a solid-state drive customized for high-speed data streaming to enable significant improvements in storage performance, an AMD GPU capable of 4K resolution display at up to 120 frames per second, hardware-accelerated ray tracing for realistic lighting and reflections, and the Tempest Engine for hardware-accelerated 3D audio effects. Other features include the DualSense controller with haptic feedbackbackward compatibility with the majority of PlayStation 4 and PlayStation VR games, and the PlayStation VR2 headset.

History of PS5


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Meet the young graduate who lives in a nursing home

Nursing Home and the graduate who lives there

Positive News.com | by Oliver Balch | July 24, 2023 | Nursing Home | More Blog Articles

Meet the young graduate who lives in a nursing home

There aren’t many twentysomethings who would opt to live in an old people’s home, but for broke student Teun Toebes, it’s an experience that has changed his life – and the lives of his housemates

Cake, candles, banter, games, laughter, fresh air. Teun Toebes remembers his recent birthday as a total blast. He and his pals – Christi, Janny, Jopie, Ad. All of them just hang out, shooting the breeze, savoring the moment, and enjoying life.

It doesn’t bother him that they are all at least three times his age. Nor that they might have forgotten the event by now. They are his housemates. The people who this 24-year-old care ethics graduate has chosen to live with – first as a broke student researcher looking for a cheap room, now as a friend, ally, and campaigner.

Ad is his best friend in the care facility in the small Dutch town of Amstelveen that Toebes has called home for the last couple of years. As with all the venue’s elderly residents, Ad lives with dementia.

A former electrician and father of two, 78-year-old Ad is one of 55 million people worldwide with the condition. On average, most will live eight to 10 years after their initial diagnosis – the latter part of which many in the industrialized north will spend living in institutional care.

Toebes’ first exposure to the condition came as a 17-year-old intern in a local nursing home. Three years later, his great-aunt Greet was diagnosed with Alzheimer’s and came to live there. The serendipity allowed him to care for her directly, an experience that left him with a strange sense of privilege.

Despite Greet’s confusion, she read his moods and called him “my boy”; he, in turn, washed her, laughed with her, and, ultimately, coordinated her palliative care at the end. From that moment on, Toebes became convinced that it’s not only possible to connect with people with dementia but also to enjoy a lasting and reciprocal relationship.

Regrettably, that isn’t how institutional care in Europe and the UK works. Individuals like Greet stop being someone’s sister, someone’s neighbor, or someone’s lover; instead, they become someone primarily defined by their condition.

“Dehumanising” is the word Toebes comes back to most often to describe the situation. As he puts it: “I live together with the most beautiful 130 housemates, but they are all sorted together according to their dementia, the system sees them as the same.”

The most startling result of this logic is the restrictions. In Toebes’ facility, the doors are kept locked. Even access to the garden is restricted. So, for his birthday party, he had to request the key from the care home’s authorities. The latter cites understandable safety concerns, yet the parallels with the penitentiary system are as unavoidable as they are unfortunate. Hairdressers, doctors, dentists – all are brought into the facility, extreme risk-aversion means there are few opportunities for the residents to go out.

I live together with the most beautiful 130 housemates

Inside, protocols reign. If the temperature tops 30C, everyone must eat ice cream. The risk of salmonella means no soft-boiled eggs. ‘Care’ trumps ‘home’ every time, adds Toebes. Just consider the décor: a 200-meter-long corridor, easy-to-wipe tile flooring, strip lights everywhere, and walls with safety notices as decoration.

The effect of such a “surrealistic nobody’s land” on people’s identities is profound, he believes. Even the toilet habits of residents are monitored. ‘Firm’, ‘watery’, ‘discolored’: down it all goes, recorded in his housemates’ medical dossiers.

“If you’re reading in your mother’s records what kind of sh*t she has every day, then you will start seeing her more and more as a patient.

He doesn’t hold individual carers to blame. In a way, they too are subjects of a system that, as Toebes puts it, places “control and safety” above “happiness and being together”. To combat this, Toebes introduced Friday drinks, camping evenings, and trips to visit grown-up children for the residents, small things that have transformed the torpid atmosphere of the care home.

To kick off a conversation about what an alternative, people-centered dementia care might look like, Toebes has penned a book – The Housemates, out in English in August – already a No.1 bestseller in the Netherlands.

He recently set off on a tour of 11 countries on four continents to see how other nations approach dementia care, making a documentary that will be screened at a G20 summit on the disease later this year.

If we keep seeing the human being, he or she never really disappears

Each country adopts a slightly different strategy, he discovered. In South Korea, for instance, the emphasis weighs heavily on prevention through healthy lifestyle habits. In South Africa, the focus is on care within the family. In Moldova, residential care is not segregated by disease, meaning dementia-only facilities don’t exist.

His main takeaway lessons? Firstly, money alone won’t solve the problem. The UK spends £14.2bn a year caring for people living with dementia. That comes out of people’s taxes. Yet, it’s money for a system that no taxpayer in their right mind “would ever want to live in”.

An even more important lesson: everyone needs freedom and friendship, whatever their condition. Even if their mind is lost to dementia? Even then, he insists: “If we keep seeing the human being, he or she never really disappears.”

Positive News.com


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Choose a health insurance plan that meets your specific needs

Peace of Mind: Understanding the Importance of Health Insurance for Your Well-Being

Shield Insurance Blog | Health Insurance | Start a quote today! Contact Brianna or Carlos for help

Health insurance is an important aspect of life in Michigan. Understanding the different types of health insurance, key terms, availability, and cost is vital to finding the right policy for you. Shield Insurance Agency understands the importance of finding the best health insurance plan for you and they have the expertise to help determine the best coverage to fit your needs. Read on to learn more about health insurance in Michigan, including HMOs, PPOs, HRAs, HSAs, and more.

HMOs and PPOs

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are two common types of health insurance. HMOs are health insurance plans that provide access to a network of healthcare providers and usually require referrals in order to see a specialist. PPOs also provide access to a network of healthcare providers, but they allow you to choose your own doctors and do not require referrals. Both have different structures that affect how much you pay for services and how much deductible and copayments you pay.

HRAs and HSAs

Health Reimbursement Arrangements (HRAs) are employer-provided plans that allow employees to set aside pre-tax dollars to use for eligible medical expenses. Health Savings Accounts (HSAs) are also employer-provided plans that allow employees to save pre-tax dollars to use for eligible medical expenses. They are similar to 401k accounts, in that investments are allowed and the money rolls over from year to year. Both of these accounts can be used to help pay for out-of-pocket medical expenses, such as copays and deductibles.

Key health insurance terms

When thinking about health insurance in Michigan, there are several key terms to keep in mind. Copayments (or copays) are fixed amounts that customers pay for services, such as doctor visits or prescriptions. Deductibles are the amount of money the customer pays out of pocket before the insurance company pays for services. Coinsurance is the percentage of costs the customer pays once the deductible is met.

How much does health insurance cost


The cost of health insurance is different for everyone depending on factors such as age, family size, location, and type of plan. Generally speaking, HMOs tend to be less expensive than PPOs, and the higher the deductible, the lower the monthly premium. Health insurance premiums also depend on whether or not you receive subsidies or tax credits. In Michigan, the average monthly premium for family coverage with an employer-sponsored plan is about $735.

What are the different health insurance metal levels are

Health insurance plans also differ from one another depending on their level of coverage. Platinum plans typically have the highest premiums but also the most coverage, while bronze plans have the lowest premiums with the least coverage. Silver and gold plans are in the middle, offering somewhere between the two extremes of platinum and bronze plans.

When you can buy health insurance

The Annual Open Enrollment Period (OEP) is the time when everyone can buy a health insurance plan or make changes to their existing plan. In Michigan, the OEP runs from November 1st through December 15th each year. If you miss the OEP, you can still buy coverage outside of open enrollment if you experience certain life events, such as marriage, the birth of a child, or a move to a different state.

Where you can buy health insurance

You can buy health insurance from Shield Insurance Agency which represents over 40 insurance companies and specializes in helping individuals and businesses find the right plan for them. They can help determine the best level of coverage and answer any questions you have about health insurance in Michigan. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Health insurance in Michigan is an important aspect of life and it is essential to understand the types of health insurance, key terms, availability, and costs when shopping for a plan. Shield Insurance Agency has the expertise to help guide you through the process of finding the right policy for your needs and they can provide a free quote. For more information about health insurance in Michigan, contact Shield Insurance Agency at (616) 896-4600 today or visit this LINK to start the quoting process.


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Personal Auto Insurance & Shield Agency

Secure a hassle-free Auto Insurance Quote From Shield Agency

Shield Insurance Blog | Auto Insurance | Start A Quote Today

Personal Auto Insurance

Car insurance is a type of insurance that provides financial protection in the event of an accident or damage to your vehicle. It is a legal requirement in most states to have car insurance if you own a vehicle. Automobile insurance policies vary depending on the coverage you choose and the insurance company you select. In this blog post, we will explore the basics of personal auto insurance and answer some common questions.

Click here to choose your own auto policy with your specific carrier, and we will contact you with the details.
Click here to choose your own policy with your specific carrier, and we will contact you with the details.

What is car insurance?

Auto insurance is a contract between you and an insurance company that protects you financially in the event of an accident or damage to your vehicle. It provides coverage for liability, which means it pays for the damages you cause to others. It also provides coverage for your own vehicle, depending on the type of coverage you choose.

Do I need car insurance?

Yes, car insurance is mandatory in most states. It is required by law to have at least liability coverage, which pays for the damages you cause to others. Driving without car insurance can result in fines, license suspension, and even legal consequences. It is important to have car insurance to protect yourself and others on the road.

What does auto insurance cover?

Auto insurance covers a range of situations and damages. The main types of coverage include:

  • Liability: This coverage pays for the damages you cause to others in an accident. It includes bodily injury liability, which covers medical expenses and lost wages, and property damage liability, which covers the cost of repairing or replacing someone else’s property.
  • Comprehensive: This coverage pays for damages to your vehicle that are not caused by a collision. It includes theft, vandalism, fire, and natural disasters.
  • Collision: This coverage pays for damages to your vehicle caused by a collision with another vehicle or object.
  • Medical Payments/Personal Injury Protection (PIP): This coverage pays for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault.
  • Other optional coverages: There are additional coverages you can add to your policy, such as uninsured/underinsured motorist coverage, which protects you if you are involved in an accident with someone who does not have insurance or has insufficient coverage.

What does car insurance not cover?

Auto insurance does not cover regular maintenance and wear and tear on your vehicle. It also does not cover intentional damage or illegal activities. It is important to read your policy carefully to understand what is covered and what is not.

How is auto insurance priced?

Car insurance premiums are determined by several factors, including:

  • Your driving record: If you have a history of accidents or traffic violations, you may pay higher premiums.
  • Your age and gender: Younger drivers and male drivers tend to have higher premiums.
  • Your location: Insurance rates can vary depending on where you live. Areas with higher crime rates or higher accident rates may have higher premiums.
  • Your vehicle: The make, model, and age of your vehicle can affect your insurance rates. Newer and more expensive vehicles may have higher premiums.
  • Your coverage limits: The amount of coverage you choose will affect your premiums. Higher coverage limits will result in higher premiums.

What is a car insurance premium?

A car insurance premium is the amount you pay for your insurance coverage. It is typically paid on a monthly or annual basis. The premium is based on the risk factors associated with insuring you and your vehicle. Insurance companies use complex algorithms and statistical data to calculate premiums.

Does auto insurance cover maintenance?

No, car insurance does not cover regular maintenance and wear and tear on your vehicle. It is your responsibility to maintain your vehicle and keep it in good working condition. Car insurance is designed to protect you financially in the event of an accident or damage to your vehicle, not for routine maintenance.

How to get car insurance

It is important to shop around and compare quotes from different insurance companies to find the best coverage and rates for your needs. Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote. You can contact them at (616) 896-4600 or start the quoting process by visiting their website.

In conclusion, personal auto insurance is a necessary protection for you and your family. It provides coverage for liability, damages to your vehicle, and medical expenses. It is important to understand the different types of coverage and choose the right policy for your needs. Remember to shop around and compare quotes to find the best coverage and rates. Contact Shield Insurance Agency for a free quote today and ensure the protection of your family on the road.


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