Homeowners Insurance

I just had my cedar siding replaced with vinyl siding. Will this reduce my homeowner's premium, or raise it?

Since vinyl is a lower-risk building material than cedar, it is more likely that your homeowners premium would reduce rather than increase. For more information, call your insurance company’s customer service line to see if they will adjust premiums for the building change.
Dec 2, 2020 Kalamazoo, MI

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Most Recent

Eligibility

Am I covered for an accident if my policy had lapsed while without an Uber passenger?

Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Jul 2, 2020 Lincoln Park, MI

Eligibility

Am I still considered high risk if I have not had my own insurance for years, but have been covered and driving on my job's company insurance?

Not having a personal auto policy doesn't necessarily always categorize you as high-risk, but potential insurers will see your lack of one as a lapse — which will, in turn, make your rate more expensive. Learn more about how a lapse can affect your premium here.
Jan 30, 2020 Battle Creek, MI

Driving History

My insurer says I have past speeding tickets, but I've never had one. How do I address false and inaccurate citations on my record?

I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error.
Sep 23, 2019 Garden City, MI

General Insurance

Should both my girlfriend and I be on the car title?

I would only put the title in one name — whoever will own and register the vehicle. Putting two people on the title may only complicate things unnecessarily and make it harder to sell.
Aug 21, 2019 Grand Ledge, MI

Eligibility

My "totaled" car was barely damaged. Is it still possible to get full coverage on it?

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.
Aug 18, 2019 Gladwin, MI

Eligibility

Can I get storage insurance if my auto insurance is being canceled?

Most financing companies will require you to have comprehensive and collision coverage which means you would not be able to get storage insurance. Check with your finance company to see what options you have.
Aug 18, 2019 Detroit, MI

Eligibility

Can my girlfriend and I save money on insurance if we bundle our vehicles together?

Thanks for your questions! I would definitely combine as much as possible. You will get multi-car and multi-policy discounts which can save you a lot of money.
Jul 31, 2019 Caseville, MI

Homeowners Insurance

What companies insure mobile homes with extra build-ons?

You should have no trouble getting mobile home insurance to cover your home including the add-ons, and there are several companies that will insure that type of home. You will need an HO-7 homeowners policy that specifically covers mobile homes.
Jul 4, 2019 Zeeland, MI

Uncategorized

Can I update my Michigan driver's license online or do I need to go to the DMV?

Here is a good resource from the State of Michigan regarding license information. It does look like you have to go to the DMV.
Jun 2, 2019 Flat Rock, MI

General Insurance

In Michigan is there a grace period to get insurance on a vehicle when you buy it?

He would need to get insurance to before he drives the vehicle. There is no grace period in Michigan.
Apr 5, 2019 Rogers City, MI
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