If you own a motorhome, you need to have your motorhome covered by an insurance policy that protects you financially. At Premier Insurance Agency, we offer motorhome insurance policies to consumers in Detroit, MI. 

You shouldn’t assume the following four things regarding your motorhome insurance needs. 

Motorhome insurance and auto insurance are basically the same thing.

Consumers need to realize that motorhome insurance policies can differ significantly from auto insurance policies.

Motorhome insurance policies are classified according to the type of motorhome being insured. A motorhome insurance policy specifies whether it covers a Class A, B, or C motorhome. 

Unlike auto insurance, motorhome insurance also offers features like the option to buy full-time coverage for consumers who live in their motorhome. 

A motorhome insurance policy covers all of the parts of your motorhome.

Motorhome owners need to realize that their motorhome policy won’t necessarily cover every component of their motorhome. Basic policies are unlikely to cover special add-ons like bike racks or interior furnishings. 

All motorhome insurance policies are pretty much the same.

It’s essential to look at the details and options when you buy a motorhome policy. Motorhome insurance policies offer many coverage options and special features to explore.

It would be best to decide how much coverage to purchase and understand options like roadside assistance, comprehensive coverage, and more. 

You don’t need motorhome insurance because your home insurance provides the necessary coverage.

You cannot rely on your home insurance policy to cover your motorhome. While home insurance might cover your motorhome while it’s on your property, it won’t provide coverage for your motorhome while you’re driving it elsewhere. 

Call us today at Premier Insurance Agency to learn more about your motorhome insurance options. We’ll provide you with the coverage you need for your motorhome in Detroit, MI. 

New owners of recreational vehicles might be surprised to learn that potential insurers take a strong interest in where the RV sits during the off-season. Like a house or building, an RV is subject to damage or decay, whether in use or idle. It is little surprise that insurance companies will ask whether the RV makes its home in a garage, under a shed, on the street, or at an off-site campground away from the residence. Risk factors include weather, climate, crime, infrastructure, and distance from your house. Any or all of these conditions affect coverage decisions and premium rates.

An RV parked at home has certain advantages. In limited cases, it might be included for certain claims under the homeowner policy. Furthermore, the owner does not have to rent vehicle space at a park or storage facility. Nevertheless, at home or elsewhere, every location is likely to have blizzards, floods, vandalism, theft, earthquake, lightning, and arson. The insurer must assess the risk of any of these at the site where the RV is "garaged." High exposure to unfortunate events means a higher probability of claims.

The Detroit, MI metro area has its unique record relative to hazards that impact a parked RV. As a local business familiar with the region, Premier Insurance Agency is positioned well to find insurance coverage that meets the needs of RV enthusiasts while offering competitive premiums. Our insurance professionals are knowledgeable and experienced with Michigan statutes, Detroit weather, and regional demographic patterns. This wisdom helps you to maximize your benefits at affordable prices. Today, learn how a specific RV location will affect insurance coverage details.

Having a reliable mode of transportation is essential for all people in the Detroit, MI area. Getting a motorcycle is a great option when you are looking for a new vehicle. A bike is not only an efficient mode of transportation, but it also can be fun to use when the weather is nice. Along with your motorcycle purchase, you also need to get insurance for it. There are a lot of situations when a motorcycle insurance plan will be needed in Michigan. 

When Driving on a Public Road

A situation when you need to have a motorcycle insurance plan is when you are driving it on a public road. All motorists in Michigan will be obligated to carry insurance with liability coverage. This extends to motorcycle operators. If you are not adequately insured, you can face various penalties, including fines or even loss of licensure. 

When Taking Out a Loan

A motorcycle today can be a rather expensive asset to purchase. Because of this, it would be a good idea to ensure you are protecting your investment. When you get a proper motorcycle plan, it will provide coverage to replace and repair the motorcycle. If you have taken out a motorcycle loan, you will need to carry full comprehensive coverage until you have paid the loan off. 

For individuals living in Detroit, MI with a motorcycle, obtaining the appropriate motorcycle insurance policy is quite important. If you are ready to start your search for coverage, our team with Premier Insurance Agency is at your service. Our proficient staff at Premier Insurance Agency knows the significance of this coverage. It is skilled in providing the information to develop a policy that best fits your situation. 

Many states don’t require boat owners to carry boat insurance. However, this doesn’t necessarily mean that you shouldn’t invest. You should consider other variables before deciding to skip boat insurance. Our team at Premier Insurance Agency is committed to helping Detroit, MI boat owners understand the benefits of boat insurance. 

What is Boat Insurance?

Boat insurance provides protection or coverage for your watercraft. Like car insurance, boat insurance can provide everything from liability coverage to full coverage insurance that would cover damage or the loss of your boat. This insurance also includes coverage for your boat, regardless of whether it’s on land or in water. Of course, liability coverage would cover damage you cause to another person’s property or boat and injuries that you may cause to others. The state of Michigan doesn’t require boat owners to purchase boat insurance. 

How much boat insurance should I invest if I’m financing my boat?

Although Michigan state law doesn’t require boat owners to carry boat insurance, any marina you frequent may require boat insurance if you plan to dock your boat. You may also be required to carry boat insurance if you lease your boat or have a boat loan. State law may not require you to invest in boat insurance, but other factors may require purchasing boat insurance. If you have questions about boat insurance and want to explore your options, call us. We’d be happy to answer all of your questions. 

Even though Michigan law doesn’t require boat insurance, it may still be necessary if you plan to dock your boat — many marinas require proof of insurance. Lenders also typically require a set amount of coverage if you’re financing your boat.

Are you looking to add extra protection for yourself, your family, or your business? If so, umbrella coverage may be just the right fit. At the Premier Insurance Agency, we offer umbrella insurance policies to provide our customers with additional financial protection.

What is Umbrella Coverage?

Umbrella coverage is an additional policy that provides extra liability protection beyond what they offer in your existing home and auto insurance policies. It covers damages such as serious injuries, pain and suffering compensation, and "excess" medical expenses exceeding your other policies’ limits. This policy also covers legal fees if they sue you for damages caused by an accident.

Why Do I Need Umbrella Coverage?

Umbrella coverage can be especially beneficial if someone sues you for damages from an accident and you have assets at risk. It can help protect your savings, investments, and other support from being taken away in a lawsuit. Additionally, it can provide peace of mind knowing that you have extra protection in the event of an accident or injury.

For homeowners with a business, umbrella insurance is a great way to protect your business and personal assets. It allows you to extend coverage beyond what the typical business liability policy offers, providing extra protection in case of a lawsuit. It is important to note that umbrella policies are only applicable when an accident or injury is beyond the limits of your other insurance policies.

It would be best to talk to an agent at Premier Insurance Agency about what umbrella coverage in Detroit, MI can do for you.

How Can I Get Umbrella Coverage?

If you live in Detroit, MI, and want to add umbrella coverage to your existing home and auto insurance policies, contact Premier Insurance Agency today!

Condo insurance is one of the first things you will purchase when you close on your new dwelling. Now that you have your condo, you want condo insurance to provide you with coverage. There is a lot that you get in terms of coverage with condo insurance, but does that include a theft inside of the property? Theft can occur in Detroit, MI and abroad, but knowing if you have coverage critical.  

Theft Coverage is Common

Theft coverage is common when it comes to condo insurance policies. The Premier Insurance Agency team can help you understand what coverage you have in the event of a theft and what you do not.

Theft coverage starts with an inventory of what you have inside the home. If there is something highly valuable, such as a diamond ring, you want that listed as part of your condo insurance policy so that the value is known.  

Personal belongings outside the special items will also get coverage in the event of a theft. These items include things such as furniture, clothing, and electronics.  

Value of the Items

What is the value you get for your items or personal belongings in the event of a theft? Usually, what you will have is known as replacement cost coverage. If you have items stolen from your condo, you will be covered for the repair or replacement cost minus your deductible.

Detroit, MI condo owners need to understand what they get with their condo insurance policy. Coverage is best understood by talking to a professional such as the team at Premier Insurance Agency. When you understand condo insurance and where theft coverage comes into play, you’ll have a complete picture of its value.
 

Liability risk is something all people in the Detroit, MI area will need to take seriously. Getting an umbrella insurance policy is a good idea when you want to manage your personal liability risks. There are various situations in which a person should obtain this type of coverage. 

Those with Limited Liability Coverage

No matter how careful of a person you are, there is always a chance you can cause an accident that will lead to injuries or property damage. Depending on the type of accident, you may have coverage for liability risks through your home or auto plans. However, these policies will have an insurance cap, which can be exceeded if the accident is bad enough. If you have an umbrella insurance policy, it will give you additional insurance on top of these other plans. This can help ensure that you are ready for more significant risks. 

Those Looking for Broad Coverage

Another benefit that is received when you have umbrella insurance is that it can offer broad coverage. Other types of insurance plans do not cover various liability risks. To ensure that you have insurance and are prepared for the unexpected, getting umbrella insurance is beneficial. This coverage will support you if named liable for damages not covered by other policies. 

There are many situations when having an umbrella plan in the Detroit, MI area would be wise. When you want this liability coverage and support, calling the professionals with the Premier Insurance Agency can be a good idea. The professionals with the Premier Insurance Agency offer all the guidance you need to create a plan that will give you the support you are looking for. 

Detroit, MI remains a great place to be a small business owner. The city has continued to go through positive transformations, and today there are many great opportunities to succeed. To run a successful business in this part of Michigan, having insurance should be a top priority. Multiple benefits come when you have a full commercial policy in place for your small organization. 

Properly Protect Business

One of the benefits that you will receive by insuring your Detroit business is that you can protect the company. A commercial insurance policy offers various benefits and forms of coverage that make it worth the investment. This can include covering all assets owned by your company and mitigating your liability risks. This can help ensure your business is supported if you incur a loss. 

Remain in Compliance

It is also a good idea to get a commercial insurance policy to remain in compliance with various obligations. Most smaller businesses today will sign multiple agreements with specific insurance requirements. These include agreements with lenders, investors, some clients, and landlords if you choose to lease a place of business. Staying in compliance with these agreements is very important, and not having insurance would be an event of default and could lead to various forms of penalization. 

Commercial insurance continues to be a practical necessity for any business in Detroit, MI. If you are going to run a company here and need to learn more about your insurance needs, you should call the Premier Insurance Agency. The team with the Premier Insurance Agency will be able to help you evaluate your needs and build an ideal plan. This can help ensure your business remains appropriately covered at all times. 

If you have spent the money making your classic car look great, you will want to do everything you can to ensure that it stays that way. 

Here are some tips to keep your classic car looking its best. 

• Keep it inside. The best way to keep a car looking good is by keeping it away from the elements. Though you may take it to shows, the rest of the time, it should be inside a garage where it can’t get rain, snow, or even too much sunlight. 
• It is even better to keep it somewhere where the temperature and humidity regulate. This will help keep your car in top condition while it isn’t in use. 
• That being said, you also need to drive it. Though it may sit most of the year, you should take it for a spin every month. This keeps it lubricated and things working. So, make it a date and show off your car every month by taking a short drive around town! 
• Then, make sure you clean it before you put it away. Once you bring your car back to the garage or storage unit, you need to ensure it is as clean as possible. Don’t forget the wheel wells and inside the vehicle. 

If you want your classic car to last, you need to keep it inside, but it still needs to be run regularly. Then, put it away clean, so it is ready for next time! 

To ensure your classic car is well protected, you must talk to a professional about insurance. Don’t hesitate to contact us today at Premier Insurance Agency in Detroit, MI. 

If you own a recreational vehicle, it’s crucial that you insure this vehicle with a recreational insurance policy. You need to be adequately informed about recreational insurance to choose your coverage. At Premier Insurance Agency, we can answer any questions you have about recreational insurance in Detroit, MI.

Unfortunately, some consumers are misinformed about recreational insurance due to common misconceptions. The following are three common misconceptions about recreational insurance. 

Your home insurance policy will cover your recreational vehicle.

One of the most common incorrect assumptions consumers make is that their home insurance policy will cover their recreational vehicle. This is not necessarily the case.

While home insurance policies may offer a limited amount of coverage for a recreational vehicle while it is on your property, they may not provide any coverage when your car is off your property. Investing in recreational insurance is essential to ensure your vehicle is fully covered wherever you take it. 

Recreational insurance is the same as automobile insurance.

While there are some similarities between auto and recreational insurance, there are some key differences as well. An auto insurance policy won’t cover certain types of recreational vehicles such as boats and snowmobiles. 

It’s also important to note that auto insurance won’t offer as much coverage for personal belongings inside your vehicle as a recreational policy designed to cover mobile homes will offer. When you’re on the market for recreational insurance, it’s vital that you’re informed about all the differences between recreational insurance coverage and auto insurance coverage.  

You are not required by law to carry recreational insurance.

You might not be required to carry recreational insurance in all situations, but there are certainly many situations where this type of insurance is legally required. You must carry recreational insurance if you are taking your vehicle out on public roads or certain public lands/waterways.

Get in touch with us by phone or email at Premier Insurance Agency if you are a consumer in Detroit, MI who wants to get a quote on recreational insurance.