One of the most important decisions you make as a recreational vehicle owner is which recreational insurance policy to purchase. At Premier Insurance Agency, we offer numerous options for recreational insurance in Detroit, MI.
The following are three reasons why it’s so important to have recreational insurance.
You need liability coverage to legally drive on the road.
The most important reason to have recreational insurance is that it is required by law if you want to take your vehicle on public roads. You need to meet liability insurance coverage requirements or you could be ticketed or worse.
The state of Michigan has various minimum liability coverage requirements you need to meet. You need to carry bodily injury coverage of at least $20,000 per individual per accident. You need at least $40,000 in maximum coverage per accident.
Your recreational vehicle is a valuable possession you need to protect.
You are not required by law to carry collision coverage for your recreational vehicle. However, it’s a good idea to invest in collision coverage anyway.
Collision coverage will compensate you for damages to your own recreational vehicle in the event of an accident. If you don’t purchase collision coverage, you will have to pay out of pocket to have your recreational vehicle repaired if it is damaged in an accident.
You want to enjoy peace of mind when traveling in your recreational vehicle.
You take a huge risk whenever you drive a recreational vehicle without insurance coverage. Even if you are only using your recreational vehicle on private roads, it’s still important to buy insurance coverage. Otherwise, you could be held liable for accident damages. This could destroy you financially because the costs of an accident can add up quickly, especially if they involve physical injury and resulting medical bills.
Are you on the market for a recreational insurance policy? We’re here to assist recreational vehicle owners in Detroit, MI. Get in touch with us at Premier Insurance Agency to explore our policy options.
Premier Insurance Agency, proudly serving the greater Detroit, MI metro area, is here to help you get ready for RV season. There are many different types of RV policies available, and it can feel overwhelming when you are trying to find the one that is right for your needs. Our team is here to help you with that process and get you out on the road safe and protected! Now is the perfect time to review your current policy; we are also here to help first-time buyers find their initial policy.
Features to Look for When Selecting an RV Insurance Policy
- Do you drive or tow your camper? Each type of RV has different risks, and it’s important to understand what protection your vehicle needs.
- Are you planning to use your RV at a campsite or park? Entertaining guests in your RV is a lot of fun, but it also creates a greater need for adequate liability coverage.
- Will you be towing a car or other vehicle? When you add another vehicle to the mix, your policy needs can change. Be sure to let your agent know that you plan to tow while using your RV.
Summer is the perfect time to get out on the road and enjoy all the natural beauty that Michigan has to offer. When you have the right RV insurance you can rest assured that you have the protection you need.
Want to make sure that you have the right coverage before you get out on the road? The team at Premier Insurance Agency is here to answer all of your questions about RV insurance policies. If you are in the Detroit, MI area and want to learn more, call or stop by today!
With summer just around the corner, you are probably dreaming of long RV trips and exploring this great country. Nothing makes family memories quite like a great RV road trip. Before you hit the open road, though, there are a few things you should keep in mind about RV travel. Here at Premier Insurance Agency serving Detroit, MI, and surrounding areas, we love taking time to talk to our clients about important topics such as these. Keep reading to learn about 3 things you should consider before taking your RV on the road this summer.
Have You Had the RV Serviced/Inspected?
Nothing can bring the family road trip to a screeching halt like mechanical issues. Many of these issues can be avoided if you have your RV thoroughly serviced and inspected before heading out. Use a mechanic that is knowledgeable about these vehicles, rather than just a general mechanic. A certified RV mechanic will be able to spot problems that general mechanics may not be aware of.
Get Well-Acquainted With Driving The RV
If you are a new RV owner, you will need to give yourself plenty of time to get acquainted with the RV and learn how to drive it safely. Make sure you practice many different types of scenarios before taking the vehicle out on the road loaded down with baggage and family members.
Get Insurance Squared Away
RV insurance is a very important aspect of RV ownership. RV insurance will protect you and your family while traveling. Without insurance, you could face legal issues in most states, as well as a financial liability in the event of an accident.
If you would like to learn more about RV insurance, and what you need before taking your RV out on the road this summer, please contact our friendly staff today at Premier Insurance Agency serving Detroit, MI.
Riding a motorcycle on the open road is one of the best feelings of freedom and exhilaration. While having insurance is the peace of mind you need for a perfect ride. So, before you rev the engine up and adjust your sunglasses call Premier Insurance Agency in Detroit, MI to make sure your insurance is up to date.
Riding a motorcycle has an edge of danger to it and since Michigan is one of a handful of states that do not require a helmet for riders making sure your insurance is up to par is a necessity.
Taking a safety course can really benefit a rider sometimes unexpected things happen while your riding and knowing how to handle them is beneficial. Then take an advanced riding course to learn how to maneuver your bike safely to avoid a collision, learn other valuable life-saving techniques like how to keep control of your bike if you cut a corner too short and other helpful safety tips.
Weather & Wear
Check the forecast before you head out some roads can get slick when they are wet, and no one wants to ride in the rain. Make sure you have the proper riding wear while a helmet is a smart choice the decision remains yours, a safety bright colored or florescent colored shirt/jacket so drivers see you.
Driving Your Motorcycle
Common sense tells us to drive a motorcycle like we would a car. Don’t follow too closely, use turn signals, leave a safe distance between you and the car in front of you, and always be aware of your surroundings.
If you’re a new motorcycle rider and looking for motorcycle insurance call Premier Insurance Agency in Detroit, MI to set up an appointment today so you can hit the open road!
Detroit, MI residents who own boats love to take to the water on those long, hot summer days. The agents at Premier Insurance Agency are available to help their clients follow the laws of the lakes and make sure they have the best summer ever. One concern many boaters have is how old do you have to be to legally drive a boat in Michigan.
21 and Older
The law states that if you are 21 years of age or older, you don’t need to have an actual license to drive a boat. It is recommended, however, that you take a state-approved Boater Safety Course that is offered by the Department of Natural Resources.
If you are 21 years of age, you must complete a state-approved Boater Safety Course with a passing grade. It is mandatory that you carry your certificate of completion with you at all times while you are out on the water.
If you are under 12 years of age, you can legally operate a boat without a license if it is under 35 horsepower and is able to meet other criteria put in place by the DNR. In most situations with any type of motorized craft, an adult must be present.
Boat owners who love to explore Michigan’s lakes and waterways can contact the agents of Premier Insurance Agency if they have any questions concerning how old a child has to be to operate their boat. All of their agents encourage their customers to have a great summer and to contact them if questions arise.
Campgrounds are a magnet for tourists and those who are trying to get away from the daily grind to enjoy all the outdoors has to offer. But where there are people, there is an increased risk of liability. That is why it is important to find out if umbrella insurance is advisable for those who own campgrounds. Having that type of insurance in place can help prevent losses from liability claims.
Obtaining Umbrella Coverage
Before deciding to get umbrella coverage, find out how much liability coverage is currently in place with the policy in effect. If the potential for additional liability claims outweighs the coverage, then umbrella insurance may be a good option. The best way to know for sure is to consult with a qualified insurance agent who can advise on the current situation to give options that meet those needs. Those who live near Flint or Detroit, MI should consult with Premier Insurance Agency to find out how to better protect with high-quality insurance products.
The Value of Insurance Providers
Reputable insurance providers are necessary to avoid losses as a result of both common and uncommon risks to property. When it comes to liability protection, the way to provide the maximum security is to purchase umbrella insurance. Those who are considering a policy should find an experienced, knowledgeable insurance agency like Premier Insurance Agency to give them the products and solutions to get peace of mind year-round. They can offer residents of Flint and Detroit, MI a variety of options that meet current and future needs.
Don’t risk liability that exceeds the current limits of the coverage in place. Call or stop by the office of Premier Insurance Agency today to learn more about umbrella insurance and many other policy options.
Condo insurance is a homeowner’s insurance for condo owners. While a building’s condo association may have insurance that covers common areas, each Detroit, MI condo owner should have condo insurance for their individual units. For help in understanding the particular coverage you are responsible for, give us a call at Premier Insurance Agency.
As with all insurance, policies differ from person to person, but some of the most common coverages include the following:
Personal Property Coverage
If your personal property is damaged or theft occurs, Personal Property Coverage may help repair or replace covered personal items. While you should always check your own policy for specifics, personal belongings are typically items such as clothing, appliances, and electronics.
Personal Liability Coverage
Should one of your guests be injured during a visit and you are responsible for it, this coverage should help you cover their medical bills. It may also help with any legal expenses that come about due to the injury.
Guest Medical Coverage
If one of your guests is injured in your home, but you are not responsible, this coverage may still help pay for medical expenses.
Building Property Protection
This coverage is intended to help pay for repairs to the interior of your condo, such as the walls, if the damage is sustained due to a covered event.
Loss of Use
Should your condo become uninhabitable due to a covered event, this coverage should take care of the cost of alternative lodging and the necessary transportation to reach it.
You may also want to consider flood and earthquake insurance for additional coverage. Here at Premier Insurance Agency, we want to be sure you have the protection you need for your Detroit, MI condo. Stop by or give us a call today!
All insurance policies have a specific list of items they cover. Premier Insurance Agency in Detroit, MI can help you customize your umbrella insurance contract. You have four reasons to consider this type of coverage.
Additional auto liability coverage
Your auto policy has limits. Adding an umbrella policy could help you pay for expenses not met by your original automobile accident coverage. It often fills in the gaps or covers the difference beyond what your auto insurance does.
For use in case of a guest accident
If you like having social gatherings and family get-togethers at your house, you might benefit from umbrella insurance. It could cover a variety of incidences, including some that might require medical attention depending on the policy you choose. It might pay for cases not covered under your homeowner’s policy.
Funding in case of a lawsuit
Any unexpected accident or situation could wipe you out financially if you don’t have enough insurance to cover it. This includes any case awarded against you in court that might cost you more than your salary. It’s always best to take the extra coverage when you can get it.
Extra coverage for children or pets
You never know where you are or where you will be with your children or pets when an incident you’re not prepared for takes place. It could prevent you from suffering financial ruin that could occur if you were underinsured for medical, property, or other expenses.
Trying to understand even the basics of an umbrella insurance policy may require some assistance. Contact a Premier Insurance Agency representative in Detroit, MI anytime to discuss coverage options suitable in your situation.
When you insure your car, you need to consider how you can make sure it retains its value for as long as possible. The agents at Premier Insurance Agency can help their clients who live in the Detroit, MI area protect their car and prevent its value from dropping. Understanding what factors are considered is a great place to start.
Keep Your Car Covered or in a Garage
Keeping your car in a covered area such as a garage or carport will protect its exterior from various types of damage caused by the elements. This includes hail damage and fading of the paint caused by direct sunlight over a long period. If you don’t have a garage, you can always purchase a car cover.
Stick to the Manufacturer’s Maintenance Schedule
Every auto manufacturer offers a maintenance schedule with each vehicle. This includes regular oil and filter changes, tire rotation and pressure check, transmission check, brake system checks, and an HVAC check. Documenting each service appointment and what tests were completed is one of the best ways to help your car hold its value.
Keep It Clean Inside and Out
Wash your car regularly, especially when your vehicle is exposed to salt and grime during the winter. Sweep it out and wipe off all of the surfaces to give it a like-new look once a week or so.
If you live in Detroit, MI, or any of the surrounding communities, contact the agents of Premier Insurance Agency today. We can provide you with several tips to ensure that your car holds its value for as long as possible. Schedule an appointment at your earliest convenience!
As residents in the Detroit, MI area know all too well, the roads during the winter months can be treacherous to drive on. We at Premier Insurance Agency want you to be safe on the road this winter. Here are some winter driving tips that will help keep you safe and reduce the likelihood that you will need to make a claim under your auto insurance policy.
Slowing down might seem like an obvious tip, but so many drivers underestimate the time needed to stop in slick conditions. Driving slowly and staying far behind other cars will significantly reduce the chance of you being involved in a crash. In snowy conditions, it is best to be at least 8-10 seconds behind the vehicle in front of you.
Consider snow tires
As residents of Detroit, MI know, there is enough snowfall each year to consider investing in a set of winter tires. Winter tires have a deeper tread that gives you a better grip on the roads. Snow tires, however, are not miracle solutions, it is still important to slow down.
Do not slam on the brakes
A drivers’ natural inclination when they feel themselves losing control of the car is to slam on the brakes. However, slamming on the brakes will only make the situation worse. If you feel yourself losing control of the vehicle, it is best to let up on the gas until you slow down and then try to brake.
When it is snowing out, it is essential to drive with your lights on at all times. The headlights will increase your ability to see and will allow people to see you far in advance.
If you are interested in learning more about safe driving and auto insurance, please reach out to an agent at Premier Insurance Agency today.