Let’s Start At The Top: Home Insurance Policies And Your Roof

If You Haven’t Faced It Before, You Will Now

We’ll take it straight from the top. The agents of Premier Insurance Agency in Detroit, MI are sympathetic to the needs of all homeowners. We are homeowners ourselves and, undoubtedly, we have faced many of the same trials and tribulations that you have come across as people who are kings and queens of their own castle. While there are many perks and many things that are wonderful about home ownership, there are many things that are very troublesome

On Top Of It All – Your Roof

Roofs are scary objects. The reason they are frightening is that they cover everything else. If there is a problem on the roof, then there is likely a problem below it. Because it covers everything and everyone that we hold dear, it’s a wise decision to protect and cover it properly. Roofs are generally covered similarly on each insurance policy. Your home insurance will cover damage to your roof from extreme weather or accidents. This includes hurricanes, tornadoes, heavy wind, and rain. 

Some factors that may mean you need more coverage

  • Is the roof especially aged?
  • Has it been replaced recently?
  • Did you replace the roof or the previous homeowner?
  • Did the previous homeowner leave you any information about the condition of the roof or repairs that may have occurred?

In addition to the ones listed above, there may be other reasons that you want to add extra protection onto your homeowner’s insurance policy for your roof. Come in today to speak with an agent at Premier Insurance Agency. Serving Detroit, MI, and surrounding areas, our knowledgeable agents can inform you of different instances wherein you may require additional insurance to adequately provide the right amount of coverage for your roof.



Insuring Classic Cars

Here at Premier Insurance Agency, we understand that your classic car is more than just transportation. Serving the Motor City of Detroit, MI for more than 15 years has taught us to appreciate your classic car as the treasured collectible and investment it is.

A standard auto insurance policy may be fine for your daily driver, but when it comes to something that you have likely spent hours of time restoring or preserving it is worth doing a little more. We offer specialty insurance policies specifically designed for the collector vehicle you cherish.

State Requirements

Michigan – like all other states in the U.S.A. – requires that you carry a specific minimum of insurance to drive a vehicle legally. Both bodily injury coverage that protects against physical injury and property damage coverage that protects the vehicles themselves is required in the state of Michigan.

Additional Coverage

All drivers can benefit from having additional levels of coverage. This is even more true for classic car owners. These cars can be much more difficult to repair in the event of damage or loss.

Owners of classic cars should consider additional collision coverage beyond what is required. Collision coverage provides a monetary reimbursement to cover the cost of damage incurred to your precious collectible in an accident. While there may be a deductible for which you are responsible, it pales in comparison to cost without coverage.

Also, you may want to get comprehensive coverage. This protects against loss or damage incurred due to things such as fire, vandalism, and/or theft.

Contact Premier Insurance Agency at 866-680-SAVE (7283) to discuss your needs for insuring your classic car as well as all your insurance needs with an agent today. Serving the state of Michigan with 11 convenient locations across the state including Flint, Kalkaska, and Detroit, MI.

What is Covered by Recreational Insurance?

If you own a recreational vehicle and you are thinking of getting insurance coverage, the biggest worry is often about the kind of protection needed. An RV requires a unique insurance plan to keep your valuable investment protected when traveling or living in it. It becomes easy to enjoy your adventures and trips when you aren’t worried about the safety of your vehicle, belongings, yourself, or your loved ones. At Premier Insurance Agency, we offer RV insurance plans throughout the Detroit, MI area and its surroundings.

RV insurance options

Recreational vehicle insurance coverages are categorized in various plans. The main coverages include:

Collision – This coverage is designed to pay for damages to your RV or motorhome once an accident occurs regardless of who is at fault. This policy may also cover RV rollovers. Note that collision coverage is required in case you lease your vehicle.

Bodily injury liability – If an accident occurs when you are using your recreational vehicle, and you or someone else gets injured, this policy will pay for the medical expenses, including loss of income.

Property damage liability – This insurance plan will help you make payments for any form of damage to another person’s vehicle or property if an accident occurred and you were at fault.

Comprehensive – Pays for non-collision damages to your recreational vehicle. This policy covers risks like falling objects, storms, vandalism, theft, fire, among other natural disasters.

Uninsured motorist – This is a coverage that protects you against other drivers who lack liability insurance or the funds to compensate for the damages or injuries they inflict on you, your RV, or your passengers. This plan may also protect you from a hit and run accident.

Underinsured motorist – This recreational vehicle insurance plan protects policyholders against drivers who aren’t sufficiently insured.

For more information on RV insurance, contact Premier Insurance Agency in Detroit, MI.


How does motorcycle insurance work?

Your bike is the apple of your eye. It would be tragic to have such a vehicle destroyed while you are either uninsured or underinsured. The best way to learn the ins and out of motorcycle insurance is to contact an insurance specialist at Premier Insurance Agency in Detroit, MI. For now, take a look at a few facts about motorcycle insurance below!

What is motorcycle insurance?

A motorcycle policy provides financial stability in the instance that your bike is damaged or stolen. Coverage also typically covers cases where you have an at-fault accident in which the innocent party is injured due to your negligence. A good plan may pay medical bills along with other obligations attached to the incident. 

What does a customized policy cover?

You can, of course, purchase a motorcycle insurance policy that only pays for the bare minimum in Michigan. It is better, though, to customize a plan that can fund the entire value of your lost or damaged bike. Custom policies may:

  • Pays for the entire cost of a new motorcycle so that you do not have to pay out of pocket for a replacement
  • Provide comprehensive coverage that pays for losses or damages not caused by a collision
  • Provide recompense for medical bills to you and other parties involved in an accident
  • Provide uninsured motorist protection in the instance of the party at-fault not having enough indemnity coverage to pay for damages caused to you

You may also be able to claim loss of gear with a custom policy, which could lead to upgrades. Imagine being able to get a new helmet all because you had the right insurance policy!

How much insurance do you need?

The amount of motorcycle insurance coverage largely depends on your lifestyle, as well as the type of bike you own. You may want to purchase a higher indemnity plan to cover a Harley Davidson than you would a Kawasaki. In all, it is best to speak with an insurance specialist at Premier Insurance Agency in Detroit, MI. Call today for a quote!

Should I get RV coverage through my auto provider?

RV and auto insurance are two different things. Many auto insurance providers in Detroit, MI who cover your everyday vehicles will also offer coverage for your RV, but they might not always be offering coverage as good as what you could get from a specialty insurance provider. Unlike with many types of vehicles, you don’t need to go through a specialty insurer, though. So of course, Premier Insurance Agency will look through all of the insurance providers who offer RV insurance and will match you to the best deal, whether or not that happens to be a provider that specializes in RV coverage.

Even among RV’s, there are two different types of coverage available, campers and RV’s. These are two different classes of insurance because they’re two very different things. A camper can be a trailer with no actual motor in it while an RV is an actual vehicle. What they have in common is that neither are just regular vehicles, and their insurance needs are comparable to home insurance. You’re not just protecting the auto. You’re protecting what’s in it. For many, an RV is like a home away from home, and they may have the same sentimental attachment to it as they do their stationary home.

If an insurance company specializes in RV coverage, then there is a good chance that they will have a better understanding of what you need and what RV owners expect from their providers, but this might not always be the case. Finding the right insurer in Detroit, MI is like finding the right job: There’s no objective best, just the best for your needs.

Premier Insurance Agency looks at all the options to get you the best plan. Reach out to our offices to speak with an agent and get started on an RV insurance policy.

Motorcycle Insurance Basics and Things to Consider in Detroit MI

If you have car insurance and are wondering whether to get motorcycle insurance, it’s important to consider all the factors before deciding on your coverage. First, let’s talk about the basic coverage required by law. You’ll also want to scan through the optional coverage available to bikers in Detroit, MI. Contact your Premier Insurance Agency representative with follow up questions on all your insurance needs.

Basic Motorcycle Coverage

The following coverage is required by state law for motorcycle operators:

  • Bodily injury pays for injuries to other parties when you cause an accident.
  • Property damage covers damages to another person’s vehicle when you cause an accident.

Optional Coverage 

If you ride your motorcycle during peak traffic times or ride your bike on a daily basis, you increase your risk of an accident. In this case, talk to your agent regarding additional coverage that might work for you, including:

  • Personal injury protection covers medical costs for you or a passenger injured in an accident.
  • Collision coverage pays for damage to your motorcycle.
  • Comprehensive coverage helps you cover expenses when your vehicle sustains damages unrelated to an accident, such as flooding or vandalism.

Custom Parts Insurance

If you have spent a lot of time and money tricking out your ride, protect your investment with specialty insurance on any custom parts and equipment.

Transport Trailer Damage Policy

If you take your bike with you on vacation, you might consider insuring the transport trailer. You can get insurance for your ride and trailer that pays for damages during an accident that happens in transit.

Call Premier Insurance Agency in Detroit, MI today for advice on motorcycle coverage and to set up an appointment for a quote.


Your In-Depth Guide to Boat Insurance

In some situations, your home insurance policy will cover a boat you own; however, much of the time, boat insurance within home insurance does not go far enough. Coverage is often limited in amount and may not cover you for exactly what you need.

When Do You Need Boat Insurance?

If you feel your canoe or small-engine boat requires coverage because of its value or preciousness, then, by all means, ensure you are protected. On the other hand, those who most need boat insurance are those who have the following types of boats:

  • Jet boats
  • Yachts
  • Large sailboats
  • Anything that will go faster than 25 mph
  • Personal watercraft (WaveRunners)

What Will boat Insurance Cover?

All boat insurance policies are different, so be sure to speak directly with an agent to know what your policy covers specifically. For the most part, however, boat insurance will cover:

  • Damage to permanently attached boat equipment
  • Destruction or damage from theft or vandalism
  • Destruction or damage from collision
  • Destruction or damage from fire
  • Injury liability and property damage liability
  • Medical payments for you and your passengers

Cost of Boat Insurance

Based on what you’d like to be covered, the cost of your boat insurance premiums will naturally vary. However, you can get discounts in some cases. Most of the time, insurance companies will offer these ways to save money on your boat insurance:

  • Not having made previous claims on your boat insurance
  • Safety course training
  • Bundling insurance with the same company (having other policies for home, car, etc.)
  • Owning a boat powered by diesel

Need Boat Insurance in Detroit, MI? Contact Premier Insurance Agency Today!

Premier Insurance Agency is proud to serve the residents of Detroit, MI and can undoubtedly help you find an insurance policy with the coverage you’ve been trying to find.

Stop by our nearest office location or feel free to give us a call to learn more about your options!

Do I Need Umbrella Insurance for My Large Assets?

If you have a home or other large assets, an umbrella insurance policy can help you protect them. Don’t let a major lawsuit or unforeseeable tragedy threaten your family’s way of life. Keep reading to learn more about how umbrella insurance works and feel free to reach out to your Premier Insurance Agency in Detroit, MI for more information.

Umbrella Insurance

Most insurance only covers one thing. However, umbrella insurance is an additional coverage over and above your primary auto, home, or other policies. So, your regular policy continues to cover theft and damage. Your auto insurance provides liability protection in the event of an accident. An umbrella policy is there to cover costs that exceed your regular policy. This protects you against losing your car, boat, RV, and other valuable assets.

What’s Covered

  • Bodily Injury. Umbrella insurance kicks in once your regular insurance limit is exceeded. For example, if someone is disabled and can no longer work after an accident you cause, umbrella insurance has you covered.
  • Property Damage. For example, if you cause a multi-car crash, the damages may exceed the limit of your auto insurance policy. Then, umbrella insurance would pay up to the additional coverage you’ve purchased.
  • Legal Fees. Umbrella insurance covers your legal fees and court costs in case of a judgment against you.
  • Other Protection. Covers you against lawsuits for libel, slander, and other lawsuits.

Contact Us

Don’t let one accident or lawsuit put your home or savings at risk. Contact your Premier Insurance Agency representative in Detroit, MI to find out how umbrella insurance can help you protect your family against losses above your regular coverage amounts. Feel free to set up an appointment today to review your coverage and to receive a quote.

Condo Insurance Vs. Association Insurance

Condo ownership is, in many ways, much trickier than a typical homeowner situation, even when you take the homeowner association into account. When you are part of a condo association, there is a co-ownership arrangement in place. A homeowner owns their home, but also has responsibilities and obligations to the HOA. But, the property is one hundred percent theirs. With a condo association, ownership is shared on connected units, carports, swimming pools and so on.

In Detroit, MI condos are a great way to own a home without buying a house and dealing with the complications that go along with that. But it can be confusing to deal with the insurance issues faced by condo owners when you call Premier Insurance Agency and they ask what you need covered. Essentially it comes down to this: The condo association is responsible for the building, and the fees that you pay for membership in that association cover the building itself. The insurance policy that you buy on your own covers everything inside your unit. This means that if there is, say, a burglary, then the condo association’s insurance fixes the window, but your policy covers the stolen Blu-ray player.

There are other specifics that vary from association to association, but generally speaking, this is what it comes down to. Inside = your responsibility, outside = their responsibility. Simple enough, right? The good news is that this means that your responsibility is much smaller when you call Premier Insurance Agency than it would be if you were a conventional homeowner. For all the complications condo ownership brings with it, some parts are actually simpler.

Types of Automobile Insurance Fraud to Avoid

Residents of Flint and Detroit, MI are required to carry auto insurance by law, and this includes liability coverage that also protects against personal injury in an accident. Property damage coverage is also a requirement as is personal injury protection because Michigan is a no-fault state. Property protection insurance is also required, and Flint and Detroit, MI residents must pay an annual MCCA (Michigan’s catastrophic claims association) fee that provides medical coverage to insured drivers. When purchasing and maintaining a policy, it is vital to take steps to avoid fraud, and we will discuss this within the scope of this article.

Ways to Avoid Auto Insurance Fraud

It is vital that drivers fill out their insurance application correctly when getting a quote, and it is necessary that a driver obtain his or her coverage before an accident should occur. In the event of an accident, it is crucial only to file one claim for a single injury, and a driver must be sure to only file claims regarding injuries related to the accident in question. If asked to represent lost wages, these must be reported accurately, and it is crucial that only the lost income caused by the injury be accounted for. 

It can be constituted as insurance fraud if you claim higher repair costs than what was paid to the mechanic, and it is illegal to stage an accident. Only file claims including people involved in the accident, and never submit a claim for medical treatment that was not received. Always obtain insurance in the state in which you live, and never file a false report for a stolen vehicle. 

Premier Insurance Agency Can Help

Premier Insurance Agency has served the people of Flint and Detroit, MI and can help you with your auto insurance needs. Feel free to stop by the office or call to discuss all your automobile insurance requirements with our friendly and knowledgeable representatives.