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.
Small businesses are often the hardest hit when it comes to shoplifting. This may be because the person doesn’t believe the business has any protective measures in place or because they simply believe that it is an easy target. At Premier Insurance Agency, the agents are there to serve businesses throughout the Detroit, MI area who are concerned with shoplifting and other business-related risks.
Security cameras can provide you with the eyes you need to watch all the corners of your store at once. You can choose a system that you monitor yourself or you can have a professional monitoring service handle the job for you.
Put High Dollar Items in a Case
Another way to reduce the risk of loss associated with shoplifting is to put all of your high dollar items in a locked case. Clear cases can be purchased that allow the customer to look at the merchandise but in order to buy it, they must talk to a cashier. The item is retrieved and given to the person once they have checked out and paid for their items.
Interact With Your Customers As Much As Possible
It’s hard for someone to shoplift if they are engaging in conversation. Be nice. Be friendly. Don’t stalk them but let them know you are willing to help if they need anything.
In Detroit, MI, business owners understand that it is up to them to protect their livelihood from shoplifters. The agents at Premier Insurance Agency are always close by to answer questions and find the solutions that are needed to reduce potential risks and improve the overall bottom line. Call and schedule a consultation today!
Historical interest has helped make classic cars something to search for as many people enjoy such significant collectibles. Restorations and upkeep are often the focus for owners with classics and insurance is right up there as a priority with the appreciating valuations. Cars can be classics as foreign-built or American which provide nice opportunities for owners searching for a classic they can purchase. Serving the Detroit, MI area, Premier Insurance Agency is able to answer your questions about insurance for classic cars. Discussions may include plans for the classic with an estimated value.
Classic car restorations are a focus for many people and the industry is only growing stronger with its appreciation for classics. Restorations are getting simpler with technology offering ways to find classic car parts and accessories with easier shipping. Original parts are often rare and valuable for many makes and models of classic cars. Any type of restorations or upkeep can often help the car appreciate in value. New paint can often be one of the best for any car restoration efforts. In Detroit, MI, many owners have restored a classic car to more of the original style. Others choose some higher-end improvements with more aftermarket parts.
There are many opportunities for owners with classics that look good. This may include car shows, community events, or car club involvement. Many people find this enjoyable and also a nice way to learn more about classics and restoration plans. Whether you decide on a stock or modified classic, an experienced insurance company is available to discuss options for your new purchase. At Premier Insurance Agency, we are familiar with classics and you can contact their office or visit our website. You can enjoy that classic and feel comfortable with your planning for insurance.
There are many forms of insurance available to consumers, including recreational insurance that is designed to cover either a recreational vehicle or even protect you while you are on vacation. If you are planning to take time to enjoy an excursion, whether it be with the assistance of recreational craft or even purchasing transportation and lodging, there are insurance products available to cover you from losses.
If you have vehicles such as ATVs or jet skis, you can purchase recreational vehicle insurance to protect them in the event of a covered loss. Additionally, you can also use this type of insurance to cover an RV while you enjoy the open road. Another way recreation insurance can protect you is to cover your expenses related to vacation. You never know when the unexpected can occur, and with recreation insurance, you can get the peace of mind you need to relax and enjoy your time away from daily life.
Getting Assistance With Recreation Insurance
Most people are not familiar with the terms and conditions related to recreation insurance, which is why you need the help of a knowledgeable insurance agent. They can discover what your individual needs may be and then offer recreation insurance products that match your situation. If you are shopping for recreation insurance, you should work with a reputable, established agency like Premier Insurance Agency serving the residents of Detroit, MI.
Don’t take chances with recreational vehicles or vacation plans. There can be an unforeseen event that can create loss which can be avoided with the right insurance policy. If you live in the Detroit, MI area, you should call or stop by Premier Insurance Agency and learn more about what recreation insurance can do for you.
Owning a motor home provides so much comfort and flexibility. You can go where you want when you want. A motor home has tons of great features, combining everything you get in both a vehicle, as well as a single-family home. Since you have a vehicle and house in one, you need to be sure insurance is adequate. The Premier Insurance Agency serving Detroit, MI helps to provide insight into common and important motor home insurance coverages.
Bodily Injury Liability
The bodily injury liability insurance protects you in the event of a covered accident. The protection is for you, as well as other insured drivers if someone is injured or killed in an accident you are found to be legally liable within.
Personal Injury Protection Coverage (PIP)
The personal injury protection coverage is important when you or your family members and passengers is in a covered accident and need medical care, rehab, and/or funeral expenses. The insurance coverage will kick in no matter who is at fault in the accident. Another name for this insurance is “no-fault” coverage.
Comprehensive and Collision
Comprehensive and collision coverage involves a motor home that gets in a covered accident. The coverages will kick in when the accident occurs from the motor home colliding with another vehicle or receiving an image from a falling object, fire, theft, flood, or some other type of covered loss.
You live in your motor home so contents are valuable. The contents coverage will cover property in your motor home when it is damaged or destroyed due to an act such as a fire or lightning.
The Premier Insurance Agency serving Detroit, MI can help shed light on motor home insurance coverage needs. When shopping for motor home insurance coverage, be sure you are comfortable with your level of protection.
Many RV owners feel secure with collision insurance to protect their campers without thinking about the benefits of a comprehensive policy. Whether your vehicle is towed or you drive it, there are many different RV policy options available to residents in the greater Detroit, MI area. The team at Premier Insurance Agency is here to help you review all of your available options and determine which policy is most appropriate for your needs. If you are sleeping and entertaining in your RV, it may be time to consider bolstering your insurance coverage.
Liability Insurance can protect you when you’re camping in your RV
One of the most important protections that liability insurance can provide is coverage if a problem occurs when your RV is parked. If you travel to National Parks during the summer or park your RV at your favorite RV park, you may want to take a closer look at this type of insurance. Many people like to entertain in their RVs and invite friends over for dinner or to enjoy the beauty of nature. Whenever you invite people over there is always a chance for a mishap occurring within or around your vehicle. Don’t be caught without liability insurance if you are spending a lot of time using your RV as a de facto home while on the road or vacation. A comprehensive RV policy can provide the protection you need and allow you to enjoy your vehicle to the fullest extent.
Ready to learn more about all the coverage options that are available to RV owners in the greater Detroit, MI area? Call or stop by Premier Insurance Agency today and our can review your needs and help you find the right coverage for your RV needs.
The agents at Premier Insurance Agency are experts when it comes to protecting their clients in Flint and Detroit, MI from financial loss. Motorcycle owners can look to their agents for sound tips when it comes to keeping their motorcycles safe and in good condition. With theft being a primary concern, the following will help you keep your motorcycle secure.
Always Keep Your Keys
Always keep your keys with you. Leaving your key in the ignition is an open invitation for someone to ride off into the sunset with your motorcycle. Turn off the engine and keep your keys in your pocket.
Park In a Well-Lit Area
At night, if you can’t park your bike in a garage, park it in a well-lit area. Thieves are less likely to mess with any type of vehicle that is in full view or is in an area where they can be easily seen and identified.
Never Walk Away From Your Bike While Is Running
Even though it might be tempting to just walk away for a few seconds, your bike can disappear in the blink of an eye, and you may not realize it until it’s too late. Don’t risk even a few seconds or take a few steps. Always be alert and turn your bike off.
If you live in the Flint or Detroit, MI area, talk to the agents at Premier Insurance Agency about how to protect your motorcycle from theft. We can offer many suggestions that will keep your bike safe and give you peace of mind in the process. Call to schedule your policy review as soon as possible to make sure you have the coverage you need.