As the vacation season approaches quickly, you may have already planned a few RV trips. Before setting off on the road, you must complete a maintenance checklist. This ensures your safety and security when embarking on an epic adventure traversing across states. 

Oil Change

Changing the oil in your RV before your journey is critical, especially if it was last changed months ago before storing your vehicle. It’s important to allow fresh oil to cycle through the engine, enhancing its performance. 

Battery Check

If you haven’t replaced your battery for a while, it might be time to do so. Since warmer weather tends to wear down older batteries quicker, check your battery life. 

Tire Check

Knowing the state of your tires is essential before you embark on your RV trip. It’s important to examine the tread to determine whether your tires will last for your planned mileage or if they require replacement prior to your departure. Additionally, inspecting your tires can help identify any slow leaks that could become problematic later. 

Check Your Generator

Before reaching your destination and using your generator, make sure to test it while you’re still within easy reach of assistance. Run your generator for approximately six hours to verify that it powers all components in your RV effectively. 

While ticking off tasks on your maintenance checklist, do not forget to include RV insurance. Should you reside in the Detroit, MI area and seek a personalized quote, feel free to contact Premier Insurance Agency agents today. 

You have just bought a shiny new Harley-Davidson or another brand of motorcycle that you have always wanted. Now, you need to protect your investment in Detroit, MI. Premier Insurance Agency can help you find a dedicated insurance policy that will protect you as well as your bike. Here are five things you need to know about motorcycle coverage.

1. Coverage Options are Similar to Auto Policies

Motorcycle insurance companies offer policies similar to those for autos, with premiums for liability, collision, comprehensive, and medical payments if you are injured in an accident. You don’t have to take all the offered coverage, but it’s a good idea to do so.

2. Minimum Liability Usually Isn’t Enough

Michigan’s minimum requirements are $50,000 per person and $100,000 per accident for bodily injury, plus $10,000 for property damage. With today’s high costs, you could end up with high medical bills and repair costs if you only get the minimum.

3. Remember to Insure Your Body

Even if you have health insurance, it may not be enough if you get into an accident with your bike. Cyclists frequently have severe injuries when they come into contact with a car. The medical payments portion of your policy can help pay for high deductibles.

4. You Can Insure Your Accessories

If your bike has special parts or customizations, make sure you insure them properly. Standard policies may not cover them.

5. You Can Bundle Your Coverage With Other Insurance Policies

Many insurers will allow you to bundle your motorcycle policy if you have auto or homeowner’s insurance. You’ll receive a discount for doing so.

Let Premier Insurance Agency, serving residents of Detroit, MI, help you find an affordable motorcycle insurance policy. Call our agents today to get started on your coverage.

A Guide to Boat Insurance with Premier Insurance Agency in Detroit, MI

Residing in the grand city of Detroit, MI, you are wedged amidst the majestic Great Lakes. There’s nothing more exhilarating for local boaters than owning a fishing boat for weekend or summer fun. The insurance specialists at Premier Insurance Agency in Detroit are here to help ensure you and your boating partners obtain comprehensive insurance protection to safeguard your aquatic adventures. Read our guide on how to guard your unforgettable boat trips in the Motor City below.

1. Quantify Your Investment’s Value

Before acquiring a comprehensive insurance policy that shields your boat from mishaps and theft, you must assess your vessel’s value. This lets you ascertain the coverage amount needed to safeguard your investment against unexpected financial eventualities.

2. Get Informed About Michigan Boat Insurance

Michigan boat insurance offers various options, including liability and comprehensive coverage. These protect your watercraft, passengers, and accessories from collision and non-collision-related nautical incidents.

3. Opt for Comprehensive Boat Insurance

This insurance option provides a shield against boating accidents, boat theft, natural calamities, and other non-collision-related events. Approach a reliable insurance representative at Premier Insurance Agency to understand how comprehensive insurance can secure your vessel, hull, boating accessories, and water toys.

4. Inquire About Emergency Support

Boating mishaps are unpredictable, and having access to trustworthy emergency services on the water can significantly influence the eventual outcome. Consult your insurance agent about value-added services for boat insurance policies, including emergency towing.

5. Obtain a Michigan Boat Insurance Quote

Embarking on a boat insurance policy in Michigan is straightforward, with advice and guidance from a reputable local professional. Get in touch with the experts at Premier Insurance Agency in Detroit, MI, and request a quote today!

Insurance serves multiple purposes. For some, it’s a cushion that offers peace of mind following an accident or unexpected incident. For others, it’s responsibly protecting investments like homes and vehicles. Regardless of the reasons for acquiring insurance, every policyholder wants to ensure they have adequate coverage. That’s why residents from and around the larger Detroit, MI area trust Premier Insurance Agency for all their umbrella insurance needs.

Ensure Ample Insurance Protection

You might think your existing home or auto insurance policy is sufficient, but what about possible contingencies? What if your coverage isn’t enough when an unforeseeable event strikes? The experts at Premier Insurance Agency can help. They identify gaps in your current coverage and help you understand if your insurance suffices for all the ‘what ifs’ and ‘unless…’

This is where an appropriate umbrella insurance policy becomes invaluable. It can step in when your standard insurance coverage exhausts and caters for things your regular insurance doesn’t cover. With umbrella insurance, you can be confident about having sufficient coverage. And that’s the whole point of umbrella insurance – to keep you covered.

Claim Your Comprehensive Umbrella Insurance Solutions with Premier Insurance Agency Today

If you’re residing in the Detroit, MI, area and are contemplating whether an umbrella insurance policy would benefit you, the approachable and professional team at Premier Insurance Agency can assist. Contact us to learn more about how umbrella insurance works and put the broad coverage of umbrella insurance to work for you. When you want certainty, umbrella insurance provides the reassurance you deserve.

Contact Premier Insurance Agency for Comprehensive Insurance Solutions Today!

Understanding Condo Insurance Levels for Optimal Protection

Condo insurance plays a vital role in protecting your investment and personal belongings in a condominium unit in Detroit, MI. However, the different types of condo insurance, namely master policy and individual unit coverage, require understanding to ensure optimum protection.

Master Policy Coverage: What Does It Entail?

The condominium association typically purchases a master policy to cover common areas such as the building structure, hallways, elevators, and shared amenities. This policy caters for damage to the building’s exterior and liability for accidents in common areas but usually doesn’t extend to individual units or the personal belongings of unit owners.

The Importance of Individual Unit Coverage

Individual unit owners must purchase individual unit coverage, or HO-6 insurance, to secure their personal property and liability. This vital policy covers damage to the interior of the unit, fixtures, appliances, and personal belongings. It also provides liability protection should someone sustain injuries within the unit or the owner be found responsible for damaging another unit.

Identifying and Bridging Coverage Gaps

While the master policy caters to damage in the common areas, it may leave coverage gaps concerning individual condo units. Let’s consider a scenario involving a burst pipe causing water damage to a unit interior; the master policy may cover the building structure repairs but not damages to the unit interior or personal belongings. Therefore, individual unit coverage remains crucial for bridging these gaps and providing comprehensive protection.

How Premier Insurance Agency Can Assist You

Are you seeking answers to questions on condo insurance? Premier Insurance Agency is here to help. Serving the Detroit, MI area, get in touch with us today for professional assistance.

Umbrella insurance is a type of supplemental insurance that people with many assets carry in addition to other types of insurance. For instance, umbrella insurance will pay any additional amount if you’re sued after someone is injured on your property and your homeowners’ insurance has already paid the maximum, but there is still a balance. If you’re an umbrella insurance policyholder for the first time, you might not know everything there is to learn about this type of insurance. Here is an overview that explains how you can get the most out of your umbrella insurance policy. 

Be Sure You Have Adequate Coverage

Ensuring you have adequate automobile, homeowners, and umbrella insurance is important because it can keep you from being forced to pay for any damages out of pocket. How can you determine if your current amount of coverage is adequate? You need to take an inventory of all your assets and carefully evaluate their worth, one by one. Only then can you purchase adequate coverage. 

Consider Purchasing the Maximum Insurance Amount

Depending on your net worth and the value of your assets, you might want to consider purchasing the maximum when it comes to all insurance types. If a particularly costly incident occurs, you won’t be forced to pay for damages out of pocket. 

As you can see, following these tips can get the most out of your umbrella insurance and get more bang for your buck. If you’re in the Detroit, MI area, and you’re seeking a new insurance provider, give us a call at Premier Insurance Agency. We at Premier Insurance Agency are dedicated to providing the absolute best customer service, prices, and coverage for our customers, and we’re ready to do the same for you. Call us for a quote today, whether you’re in Detroit, MI, or live outside the city. 

According to the U.S. Small Business Association, small businesses account for 47.9% of employment in Michigan, so their health is vital to the American economy. You can ensure your business’s health by having insurance to cover your legal and contractual obligations at a risk level you find comfortable. Our Premier Insurance Agency, serving Detroit, MI, will help you understand your commercial insurance options and structure coverage that meets your needs.

Commercial Insurance Overview

Small businesses have many of the same insurance needs as large companies and often need more protection because they lack a larger organization to fall back on when difficulties arise. Unforeseen events can threaten the life of a small business, so you need to carry the right combination of insurance based on your industry, number of employees, vehicle use, and other factors.

Many small businesses simplify and reduce the cost of coverage by bundling business property and liability insurance into a business owner’s policy (BOP). If you have employees, you will also need workers’ compensation insurance, and many small businesses require product or service liability insurance.

A common mistake among small business owners is believing their personal auto insurance covers the business use of a private vehicle or that their home insurance covers office equipment, tools, supplies, and other business assets kept at home. Personal policies do not cover these business activities or assets, so you must protect your business and livelihood with the appropriate commercial insurance to cover business activities and assets. 

Working with Premier Insurance Agency 

Premier Insurance Agency, serving the small business community in Detroit, MI, will develop an insurance plan to protect your business against unforeseen events. Give us a call today to discuss your commercial insurance options.

According to the U.S. Small Business Association, small businesses account for 47.9% of employment in Michigan, so their health is vital to the American economy. You can ensure your business’s health by having insurance to cover your legal and contractual obligations at a risk level you find comfortable. Our Premier Insurance Agency, serving Detroit, MI, will help you understand your commercial insurance options and structure coverage that meets your needs.

Commercial Insurance Overview

Small businesses have many of the same insurance needs as large companies and often need more protection because they lack a larger organization to fall back on when difficulties arise. Unforeseen events can threaten the life of a small business, so you need to carry the right combination of insurance based on your industry, number of employees, vehicle use, and other factors.

Many small businesses simplify and reduce the cost of coverage by bundling business property and liability insurance into a business owner’s policy (BOP). If you have employees, you will also need workers’ compensation insurance, and many small businesses require product or service liability insurance.

A common mistake among small business owners is believing their personal auto insurance covers the business use of a private vehicle or that their home insurance covers office equipment, tools, supplies, and other business assets kept at home. Personal policies do not cover these business activities or assets, so you must protect your business and livelihood with the appropriate commercial insurance to cover business activities and assets. 

Working with Premier Insurance Agency 

Premier Insurance Agency, serving the small business community in Detroit, MI, will develop an insurance plan to protect your business against unforeseen events. Give us a call today to discuss your commercial insurance options.

For classic car owners in Detroit, MI, our qualified insurance agents at Premier Insurance Agency work to provide coverage options that consider the needs and wants that classic and exotic car owners may have. While every vehicle is essential, exotic and classic vehicles have a special place in their owners’ hearts for good reason.

After you pour your blood, sweat, and tears into upgrading or buying such a pricey vehicle, you want to ensure it’s protected from liability, theft, and other issues. If you’re an exotic vehicle owner, you may wonder if classic car insurance could provide more appropriate coverage than a standard auto insurance policy. Although every policy is different, we may be able to give you some general answers below.

Can Classic Car Insurance Cover Exotic Vehicles?

Even though specific terms and limits may vary from one classic car insurance policy to another, exotic vehicles are generally covered by most classic car insurance policies. There may be some stipulations on the policy that prevent certain exotic cars from being added to it. For example, if your exotic vehicle is your primary vehicle, you may not be able to get classic car coverage for it.

Additionally, coverage for replacing a stolen exotic vehicle may vary between policies, so it’s worth asking questions about the kinds of coverage that matter most to you before you decide to go with a specific policy. An antique, exotic car would almost certainly be covered by classic car insurance since it’s a classic car and has special considerations that regular auto insurance wouldn’t address.

For information on our classic car insurance, call Premier Insurance Agency in Detroit, MI, today! Whether you’re a classic or exotic car owner, we’re always happy to help.

Whether you like to have fun in the sun or play in the snow, you can enjoy many activities outdoors. Many of those activities involve recreational vehicles that you will want to protect with an adequate amount of the appropriate type of insurance policy. Our agents at the Premier Insurance Agency serving the Detroit, MI area stress the importance of having a recreational insurance policy in place so that you can have fun and peace of mind.

What is Recreational Insurance?

Recreational insurance, also known as leisure or specialty insurance, will provide you with coverage specifically designed to protect vehicles and equipment usually utilized for recreation, aka fun.

Types of Recreational Insurance

You can choose from several types of recreational insurance, depending on your preferences and situation.

Golf Cart Insurance

Many people enjoy a good game of golf. If you are one of those people, you will want to have recreational insurance on your golf cart. This will be very important if you have an accident in your golf cart or someone steals it from you.

ATV and Off-Road Vehicle Insurance

If you enjoy a fun and exciting ride on a four-wheeler or other ATV (all-terrain vehicle) or off-road vehicle, you should have a recreational insurance policy in place. You never know when an accident with possible injuries is going to happen, so you will want to be protected. This insurance will also help you if your ATV or off-road vehicle is stolen.

Snowmobile Insurance

If you love snowmobiling, you will have even more fun knowing that your snowmobile is covered if you have an accident. It will also help you with medical bills if anyone is injured or your snowmobile is stolen.

Call for a Quote Today!

Our agents at the Premier Insurance Agency serving the Detroit, MI area are ready to assist you with your recreational insurance needs. Give us a call today to get your policy started!