Three reasons why recreational insurance is essential

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. 

RV Season is Here: Protect Your Motor Home Before You Hit the Road

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!

3 Things To Consider Before Taking Your RV on the Road This Summer

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. 

Motorcycle Safety Tips

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.

Riding Classes

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!

How Old Do You Have to Be to Drive a Boat in Michigan?

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.

Under 21

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.

Under 12

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.

Should Campgrounds Carry Umbrella Insurance?

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. 

Why Do I Need Condo Insurance?

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!

 

4 Ways Umbrella Insurance Can Bring You A Sense of Security

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.

3 Ways to Protect Yourself From Shoplifting

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

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!

Insurance with a Classic Car

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.