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.
When you insure your car, you need to consider how you can make sure it retains its value for as long as possible. The agents at Premier Insurance Agency can help their clients who live in the Detroit, MI area protect their car and prevent its value from dropping. Understanding what factors are considered is a great place to start.
Keep Your Car Covered or in a Garage
Keeping your car in a covered area such as a garage or carport will protect its exterior from various types of damage caused by the elements. This includes hail damage and fading of the paint caused by direct sunlight over a long period. If you don’t have a garage, you can always purchase a car cover.
Stick to the Manufacturer’s Maintenance Schedule
Every auto manufacturer offers a maintenance schedule with each vehicle. This includes regular oil and filter changes, tire rotation and pressure check, transmission check, brake system checks, and an HVAC check. Documenting each service appointment and what tests were completed is one of the best ways to help your car hold its value.
Keep It Clean Inside and Out
Wash your car regularly, especially when your vehicle is exposed to salt and grime during the winter. Sweep it out and wipe off all of the surfaces to give it a like-new look once a week or so.
If you live in Detroit, MI, or any of the surrounding communities, contact the agents of Premier Insurance Agency today. We can provide you with several tips to ensure that your car holds its value for as long as possible. Schedule an appointment at your earliest convenience!
As residents in the Detroit, MI area know all too well, the roads during the winter months can be treacherous to drive on. We at Premier Insurance Agency want you to be safe on the road this winter. Here are some winter driving tips that will help keep you safe and reduce the likelihood that you will need to make a claim under your auto insurance policy.
Slowing down might seem like an obvious tip, but so many drivers underestimate the time needed to stop in slick conditions. Driving slowly and staying far behind other cars will significantly reduce the chance of you being involved in a crash. In snowy conditions, it is best to be at least 8-10 seconds behind the vehicle in front of you.
Consider snow tires
As residents of Detroit, MI know, there is enough snowfall each year to consider investing in a set of winter tires. Winter tires have a deeper tread that gives you a better grip on the roads. Snow tires, however, are not miracle solutions, it is still important to slow down.
Do not slam on the brakes
A drivers’ natural inclination when they feel themselves losing control of the car is to slam on the brakes. However, slamming on the brakes will only make the situation worse. If you feel yourself losing control of the vehicle, it is best to let up on the gas until you slow down and then try to brake.
When it is snowing out, it is essential to drive with your lights on at all times. The headlights will increase your ability to see and will allow people to see you far in advance.
If you are interested in learning more about safe driving and auto insurance, please reach out to an agent at Premier Insurance Agency today.
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.
As your home is one of the most valuable investments you’ll ever make it is important to do what you can to protect it. This is done through the homeowner’s insurance. When you live around metro Detroit, MI there are a number of home owner’s insurance options you need to consider. In fact, here are just a handful of the options Premier Insurance Agency can connect you with.
There are times it seems like it is either always snowing or always raining in metro Detroit. However, when the snow finally begins to thaw it can leave you with a substantial amount of water on your property. Depending on the foundation of your property you may face possible flooding (especially if you have one of those classic Michigan basements). Additionally, your plumbing is at risk of freezing. Protect your property with flooding insurance.
Extra Liability Insurance
Getting out to shovel your drive and lay down salt on the sidewalk is sometimes a challenge. You may need to get out to work and not have time to shovel the sidewalk. Then, if it continues to snow and people walk through the path, their boot prints will leave icy tracks. Should someone slip on that ice in front of your property you may be held responsible. Instead of paying the legal fees out of pocket additional liability insurance can help cover and protect you.
Finding the right kind of home insurance add-ons and additions is important. Every home is different so you will want to educate yourself on what all is available and what fits your particular property’s needs. When living in and around metro Detroit the team at Premier Insurance Agency can assist you. All you need to do is give them a call at your earliest convenience.
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.