Important Coverages to Obtain When Buying Motor Home Insurance

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.

Contents Coverage

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.

How does liability coverage fit into your RV insurance policy?

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.

3 ways to protect your motorcycle from theft

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.


3 Tips to Protect Your Boat During Storage

In Detroit, MI, the winters can bring extreme cold and heavy snow. Protecting your boat while it is in storage is just as important as maintaining it while you have it out on the water. At Premier Insurance Agency, agents are always willing to offer tips and suggestions on ways you can protect your boat and other watercraft while they are tucked away in storage.

Winterize the Engine

Winterizing the engine removes excess water from the lines and protects the engine and fuel lines from freezing or being damaged by the freezing temperatures. Making sure areas are well-lubed and greased is also important if you want to keep all of the parts in good working order.

Put a Cover on It

Putting a cover on your boat will prevent animals from damaging the seats and other components. It will also prevent damage caused by falling debris such as tree limbs, bird droppings, and other airborne debris. Covers can be tied down or heat sealed to keep the inside fully protected.

Store it Inside if Possible

If you live near a boat storage facility that will rent you space for your boat, utilize it. Many of these buildings are temperature controlled and are monitored by security companies. This protects your boat from vandals while keeping it in a secure and safe environment.

At Premier Insurance Agency, the agents look forward to helping Detroit, MI residents keep their boats safe throughout the year. If you have questions about storing your boat or what type of insurance you need, call and schedule an appointment with us today. We are ready to answer your questions and make sure you have the right policy in place to fully protect all of your watercraft.


Umbrella Insurance and Why It Should Be Considered

How Does Umbrella Insurance Work?

Also known as excess liability insurance, an umbrella insurance policy will pay money owed in the event you are sued for damages that may surpass the limits of liability of your existing homeowners, condo, renters, boat, or auto policy. This type of policy can even cover slander and libel. Here are three reasons this policy should be considered from Premier Insurance Agency in Detroit, MI. 


  • You may be sued due to an automobile accident — An umbrella liability policy will provide additional coverage that will go into effect after the limitations of your existing insurance policy have been exceeded in the event you are found liable. 
  • Your family pet causes an injury to a visitor or neighbor — While the vast majority of dog owners can claim their pets are well behaved, unfortunately, there are times when a pet can surprise their owners by acting out and potentially injuring a visitor or neighbor which may result in hefty medical bills or even being sued.
  • Your current policy does not cover bodily injury — According to the National Safety Council, approximately 4.57 million people suffered serious injuries resulting from automobile accidents in 2017, which resulted in costs totaling $413.8 billion. In the event, you are found to be negligent, or at fault for causing damage or personal injury, an umbrella insurance policy can provide the sufficient coverage that will assist with paying costs associated with this type of liability. 

What is Not Covered?

Liabilities relating to business, criminal behavior, contractual agreements, and recreational vehicles are just a few of the scenarios not covered by an umbrella policy. Contact an agent at the Premier Insurance Agency in Detroit, MI today to discuss adding an umbrella insurance policy. 

Does Condo Insurance Cover Weather Damage?

For those that have a condo, condo insurance is a great way to protect your investment and make sure that if something does happen, there is a way to get it repaired and to start over essentially. That being said, condo insurance is not as comprehensive as home insurance but it does cover plenty of eventualities. For those that live in the Detroit, MI area, the agents with Premier Insurance Agency can help you to determine what coverage you need and just what your coverage is going to protect.

For the most part, condo insurance does cover the basics that a home policy would cover. Things like fire, break in and other damages are almost always covered as are basic storm damages. This does not mean things like hurricane damage or flooding damage, but basic damage from things like wind, thunderstorms, hail storms and even winter storms are almost always covered. These types of coverages are to make sure that your condo is going to be in tip-top shape even if storms come through.

These policies often cover basic storm damage as would a typical home policy but they may cover it in a lesser capacity and with a more restricted list of storm damages that you can claim. For the most part, if you are renting, you do not have to worry about this type of coverage or this type of repairs as this will fall to the owner of the condo to maintain. For those that live in the Detroit, MI area, the agents with Premier Insurance Agency can help you find the coverage that is going to protect you from all the pertinent storm damages that you may experience in your condo no matter what so you can always feel safe and covered.  

Timing the Coverage When Assuming a New Used Car

If you buy a new car in Detroit, MI, the dealership goes through a lot of paperwork to establish your title and ownership of the vehicle before it drives off the lot. One of these requirements is making sure you have insurance in place before leaving and driving away. They will even fill out the paperwork for you as a minor benefit for buying a new car from them. However, with used cars, there is no such support. You are as accurate and well-informed as your effort to cover the bases and take care of your responsibilities.

The typical title change process starts with your state DMV. There are specific forms you have to fill out when taking on a new, used car, and they have to be filed with the DMV within a few days of doing so. Second, your existing insurance provider needs to be aware of the new vehicle as soon as you get the keys and take physical ownership. If not, the car won’t be added to your policy automatically. Because of these two requirements, it’s best to 1) check what’s needed and what you want to buy with your insurance provider before buying, and 2) get the paperwork from your DMV ahead of time to fill out. Due to the need to have contact and followup, it’s probably best to handle a used car purchase during the weekday versus at night or on the weekend.

The above said, don’t get worried. People buy used cars all the time from other private parties. Premier Insurance Agency can help sort out the process and can provide an expert resource for planning before making the purchase. We can also work on updating your policy or finding a new one that works better. Give Premier Insurance Agency in Detroit, MI a call or email today to find out more!

Does Your Commercial Policy Provide Adequate Protection of Your Inventory?

Does your small business or corporation carry a large amount of inventory, or have a lot of expensive equipment and machinery on site? Comprehensive commercial insurance coverage can provide you with the coverage you need to protect your firm’s assets in the event of fire, theft, or natural disaster. The team at Premier Insurance Agency is here to provide our commercial clients in the greater Detroit, MI area with the insurance coverage that they need. Inventory coverage that provides you with the level of protection that you need to protect assets that may exceed your primary policy coverage limits.

Protect Valuable Equipment, Inventory, and Machinery With a Comprehensive Commercial Policy

If you have commercial insurance, you may have focused on your building, key people, and transportation fleet when you determined which policy best suited your needs. Many business owners overlook their inventory investments as well as equipment and machinery assets. Don’t let such an oversight put you in a difficult situation in the event of a fire, theft, or natural disaster. Regular insurance policy reviews can help you make sure that the coverage that you need is in place. It is always a good idea to have all of the insurance that you need to protect your business interests before you need it! There are a variety of different types of policies available that can allow you to tailor your coverage to meet your firm’s exact needs. Working with a professional agent is an important part of building a comprehensive insurance portfolio for your firm.

Want to learn more about how a comprehensive commercial policy can protect the inventory and equipment at your Detroit, MI area business? Contact the team at Premier Insurance Agency today to set up a consultation.

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.