Why Michigan Residents Should Add Storage Coverage To Recreational Insurance Policies

Premier Insurance Agency serves the Detroit, MI area. We pride ourselves on serving our clients with integrity. We use an ethical approach to help our clients find the policies they need to manage risks and protect their assets. We look forward to establishing a long-term relationship with you.

Why Storage Coverage Should Not Be Overlooked While Researching Recreational Insurance

Operating a recreational vehicle comes with a lot of risks. One minor accident can cause a major injury. Recreational insurance protects you as you navigate the possibility of an injury or accidentally damaging someone else’s property. If you have any passengers on your vehicle, liability insurance also covers you if they suffer an injury. If you plan to customize your recreational vehicle, you need to add extra coverage in order to fully protect this if something happens to them.

Think about the offseason as well. There are going to be periods where you are not operating your vehicle, and you have it parked or in storage. Maybe that’s during the spring or the harsh winters in Detroit, MI. Regardless; you can add storage coverage to your recreational insurance policy to cover you if an unexpected issue arises. A flying object can cause a crack or dent on your vehicle. An accidental fire could start. Severe weather moving through the area could cause a tree to fall over and destroy your vehicle. Storage coverage protects your vehicle in all of these situations. If you don’t have storage coverage, you risk being left unprotected if an unlikely situation occurs.

Premier Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about recreational insurance.

Risk Reduction for Motorhome Owners

When out on the road, motorhomes face many risks, many of which can be minimized. These risks include being robbed, having your motorhome stolen, or getting into an accident. However, there are several things Detroit, MI motorhome owners can do to reduce their risks while out on the open road and keep themselves and their loved ones safe. These risk reduction tips are explained below. 

To learn how the below risks affect your motorhome insurance, give us a call at Premier Insurance Agency. 

Risk of Theft

While out on the road, you are at risk of being robbed or a burglar breaking into your motorhome. To reduce this risk, install an anti-theft system or alarm. Other ways to reduce the risk of theft are to keep your doors locked and put away anything that may attract a burglar’s attention. Finally, park your motorhome in protected or well-lit areas for added protection. 

Driving Risks

While driving, there are some risks you may encounter in your motorhome, including hazards on the road. To reduce these risks while driving, do the following before getting behind the wheel: 

  • Check headlights and taillights
  • Check tire pressure
  • Clean all windows
  • Ensure mirrors are secure
  • Secure cabinets inside the motorhome
  • Verify height and drive accordingly
  • Check safety and emergency equipment

Before heading out on the open road, take your motorhome in for an inspection in Detroit, MI. Have the mechanic check the brakes and look for any potential mechanical problems. 

To completely protect your motorhome, you need to purchase specifically designed insurance. Our agents at Premier Insurance Agency can provide you with information about motorhome insurance and help you buy a policy that fits your needs. 

Who should get RV insurance in Detroit?

The Detroit, MI area can be a fun place for someone to live. Not only are there are a lot of great activities available within the city, but there are some amazing parks and recreational areas to enjoy within a reasonable drive. To ensure you can enjoy the state and area as much as possible, getting an RV will be a good idea. Along with this, you need to get an RV insurance plan. This is needed by people for a few reasons. 

Coverage is a Legal Requirement

A reason to have RV insurance is that it is a legal requirement. As you are looking to drive any vehicle in Michigan, you will need to comply with the state’s requirements surrounding liability insurance. Drivers of any type of vehicle need to carry liability insurance and will be in violation of state law if they do not have coverage. 

Coverage Protects RV

You should also get a full RV insurance plan to properly protect your RV. The RV that you purchase will be a big investment that you will want to be able to use for a long time. You can help ensure that you will continue to have access to an RV if you have the right insurance. This coverage will offer support if the RV is stolen or damaged through an accident. 

Getting RV insurance in the Detroit, MI area should be considered a top necessity for anyone. Those that would like to get this type of coverage in the state should spend time working with the Premier Insurance Agency. As you are looking to work with the Premier Insurance Agency, you will find they can answer all of your questions and will offer great guidance that can help you choose a new plan. 

Is Motorcycle Insurance Required in Michigan?

If you live in Detroit, MI, having a motorcycle is very important. You will have an opportunity to use your bike to avoid traffic and commute to work with ease. You can also use your bike to have fun on weekends out as you ride with your friends in the neighborhood. However, according to Premier Insurance Agency, you must have motorcycle insurance in Michigan. 

Liability Motorcycle Insurance

In Michigan, the law requires that you have motorcycle insurance to cover the likelihood of the liabilities that will occur in a motorcycle crash. The insurance coverage will help in covering bodily injuries, death of persons involved, and damages to various properties.

Just like any other insurance, your motorcycle insurance policy will come into play if you’re at fault. However, if you didn’t cause the accident, you will not be required to pay any insurance expenses, and the other party can be forced to pay you instead. 

Motorcycle Insurance Penalties

As highlighted above, you must make sure that you have motorcycle insurance to cover the liabilities that you’re likely to cause on the road. The government enforces this law to have the funds to cater to the liabilities they have already caused.

However, there are people who have been driving in this region without motorcycle insurance. This is a very sensitive trend because it can easily cause you to incur some extreme financial penalties. You can also go to prison for misdemeanor and ignoring motorcycle insurance laws. 

Are You Looking for Motorcycle Insurance in Michigan?

If you have not purchased your motorcycle in Detroit, MI, it is very important that you get the necessary motorcycle insurance to avoid being on the wrong side of the law. At Premier Insurance Agency, we will help you in getting a motorcycle insurance policy that meets your cycling needs.

Why Do You Need Boat Insurance?

If you’re in Michigan, having boat insurance is not a must. However, this does not mean that boat insurance is not important. If you are an avid boater, you’ll be making a huge mistake by ignoring this coverage.

Due to Michigan’s proximity to the Great Lakes, many people enjoy going into the waters using boats. However, boating is not a risk-free exercise. Accidents are likely to happen, and property can be damaged.

In light of the risks that come with boating and owning a boat, every boat owner in Detroit, MI, needs to know why boat insurance is necessary.

If you haven’t found a reason for purchasing boat insurance, Premier Insurance Agency is here to help you understand why it’s necessary.

Why is Boat Insurance Necessary?

If you acquired your boat through financing, you need to protect it with comprehensive and collision coverage. Your lender will want to know that their money is safe until you’ve cleared the payment.

Boat insurance might also be a requirement in some harbors and marinas. You’ll need to show liability coverage before you get a storage space.

The role of boat insurance is to protect you financially from any liability that may result from causing bodily injuries or property damage while boating. It will also protect your boat against damage or loss.

Like other insurance policies, you can opt for additional protection, such as underinsured/uninsured.

In summary, boat insurance will protect you against:

  • Damages and injuries to other
  • Uncontrolled events such as theft, fire, and weather
  • Collision with other boats or capsizing
  • Damage caused by underinsured/uninsured boater
  • Passenger medical expenses

You can also get total loss replacement of your boat and replacement of personal items lost from your boat.

Purchase Boat Insurance Today

Detroit, MI, is one of the areas with the largest concentration of boaters. However, not everyone likes the idea of purchasing boat insurance, and it’s a costly mistake.

You need to protect your asset at all costs by having sufficient insurance coverage.

If you’ve no idea how to go about purchasing boat insurance, Premier Insurance Agency is ready to help you out. Contact us today for every piece of information you need to know about this coverage.

How umbrella insurance protects property owners

Property owners are always finding ways of protecting their investments through insurance. Whether it’s your home, business premises, or residential properties, you are at risk of getting sued for damages or injuries sustained in your Detroit, MI property. For this reason, you may want to find a policy that extends beyond the standard policy. A great example is umbrella insurance. Here are a few ways umbrella insurance can protect property owners.

Protects you from property damage lawsuits

Property owners, particularly in the commercial sector, deal with many people, which puts them at risk of lawsuits. You could land yourself into hefty fines if your construction site workers dropped a heavy material on someone else’s compound, damaging their car or something else in the compound. You can also get sued if you allow water from your pool to enter your neighbor’s house and cause property damage. However, you are lucky to have umbrella insurance to cover the damage and pay the legal fees.

Cushions you when someone is injured on your property

If you are a property owner in Detroit, MI, the Chances are that someone in your property could get injured. It can be a slippery floor, a crack in the patio, uncovered electricity cable, fire, or any other injury. Whether it’s your fault or not, you might find yourself on the harsh side of the law, but umbrella insurance can help clean up the financial mess. At Premier insurance agency, we recommend buying enough umbrella insurance to protect your home and other properties under your name.

Protects you from the liability you may face as a landlord

Landlords have a lot in their hands. A tenant will sue you over anything that displeases them in your property. It could be a crack on the wall, a tenant’s dog biting a guest on your property, and many other accidents. While most landlords purchase insurance for their property, it is not always enough to cover all the damages and lawsuits. That’s why you need umbrella insurance to top-up.

For more information about umbrella insurance, feel free to visit or call Premier Insurance Agency today!

Do I need condo insurance in Detroit?

When you are looking for a fun city to move to, Detroit, MI is a great option. Those that live all over this area of Michigan will find that it offers a lot of opportunities and local amenities. For those that want to move to this area of Michigan, owning a condo can be a good choice. Condo owners here will benefit in several ways. Along with your Detroit condo purchase, you also need to choose a quality condo insurance plan.

Insurance is a Requirement

A reason that you will need to get a condo insurance plan is that it is a requirement for most condo owners. Those that purchase a condo are likely going to live in a condo building and may have taken out a mortgage. In most cases, anyone that has financing in place or that lives in a community with an association will need to maintain a full condo insurance plan.

Insurance Covers Investment

You will also want to get a condo insurance plan as it will protect your investment. Buying a condo always is a big purchase. The best way that you can protect this investment is by getting insurance for it. With condo insurance, you will have the coverage needed to repair your condo if it is damaged by a fire, storm, or other forms of loss. 

If you do want to get a condo insurance plan in the Detroit, MI area there are many decisions to make along the way. The team with the Premier Insurance Agency is a great group to contact as they can help you better assess your options. When you do call the Premier Insurance Agency for your condo insurance needs, it can help ensure you choose a policy that is ideal for your situation. 

Why Umbrella Policies Increase in Importance as You Near Retirement

As you near retirement, you need umbrella insurance more than ever. If you lost a court case that required a large settlement that your home owner’s insurance did not completely cover, you would have to take the remainder of the settlement out of your savings or retirement fund.

The closer you are to retirement, the less time you have to reimburse your retirement fund or savings. An umbrella policy from Premier Insurance Agency solves this problem by paying the remainder of the settlement. 

These policies cost little but provide priceless peace of mind. Any kind of slip and fall accident or another incident that injures a person or people at your Detroit, MI home or on your property requires you to pay for the damages. The typical home policy provides liability coverage in the amount of about ten percent of the home’s value or a flat rate, usually about $100,000. That may sound like a lot.

Consider the average medical costs and time away from work from a home accident and how commonly these incidents occur. Home and community accidents are the number three cause of death in the US. Accidental poisoning leads the list of how these home deaths occur, followed by falls and choking.

Before you say, “That cannot happen to me.” know that according to the National Safety Council, home and community accidents account for 37,600,000 medically treated injuries each year and 125,000 deaths. That costs the US $479.1 billion annually.

The average cost of a hospital stay per day in the US is $3,949. When you do the math, you quickly realize that one accident at your home that only injures a single person can wipe out the liability coverage on a home policy.

You need the secondary insurance that an umbrella policy provides. It kicks in once your home insurance pays out fully. You can purchase a million-dollar policy of umbrella coverage for a tiny premium, so it makes sense to add this to your insurance portfolio.

At Premier Insurance Agency of Detroit, MI, we believe in being safe, not sorry. Call us to learn more about umbrella insurance and add this coverage to your portfolio.

Should I get auto insurance in Detroit?

For most people that live in the Detroit, MI area, owning your own vehicle is practically a necessity. If you are going to invest in a vehicle, you will have a very important asset that needs to be properly protected and covered by insurance. There continue to be a variety of reasons that drivers need to have proper auto insurance in Michigan.

Insurance Will Keep in Legal Compliance

One of the reasons to get insurance for your vehicle is that you can stay in legal compliance. When you are going to drive a car in Michigan, you are going to be required by law to carry auto insurance at all times. State law mandates that you have liability insurance, which ensures you will be able to pay for accident damages you may cause. If you do not carry this, you could face penalization. 

Insurance Protects Vehicle

You will also want to get auto insurance because it can protect your vehicle. Anyone that buys a car here is going to be making a big investment that they will want to cover and protect as well as possible. With a full auto insurance policy, you will get the coverage needed to protect your car. 

As you are looking for auto insurance in the Detroit, MI area, you may find that there are a lot of options and choices that need to be made. When you are looking for a new policy here, you can get the guidance that is needed to understand your needs and options. A great option would be to reach out to the team at Premier Insurance Agency. If you do call the Premier Insurance Agency, you can get the support that is needed to know your needs and pick a policy that gives the right coverage. 

How to Prepare Your Car for Winter

With the colder weather upon us not only is it time to trade in your summer wardrobe for something a little warmer but also it’s time to give your vehicle a winter refresh to ensure it is safe and reliable for the coming months. Not only does winter-proofing your vehicle save you money by preventing costly repairs from popping up down the road, but also it ensures that you remain safe when the roads turn snowy and icy. 

Start by checking your vehicle’s batteries which tend to die sooner in the winter months because of the additional strain that the colder weather places on the various components by having to work harder. Your battery can be checked at home if you have the proper tools, but it may not be a bad idea to find a local dealership specializing in your car’s manufacturer because many will offer a complimentary multi-point inspection with every service appointment that helps pinpoint other potential issues. Next, check your tire pressure every week because they usually deflate with chilly weather and could leave you more susceptible to flats or spin-outs. Also, depending on where you live, it may be a prudent decision to explore purchasing a set of winter tires that can easily be removed once the snow melts. Other ke6 areas to check to include topping off all the fluids in the vehicle particularly your windshield washer fluid and swapping out your windshield wiper blades with a new set. 

Last but not least, you’ll want to make sure your auto insurance is current and that you have the appropriate coverage for your needs. At Premier Insurance Agency in Detroit, MI we can review your current policy or establish a new one all while looking to maximize your coverage at an affordable price.