personal insurance

What Happens If A Minor Is The Beneficiary On A Life Insurance Policy?

What Happens If A Minor Is The Beneficiary On A Life Insurance Policy?

By Curt Rager, CPCU / August 24, 2022 /

Ever wonder what happens if a minor is a beneficiary on a life insurance policy? Would the money go to their guardians or directly to the minor’s bank account? This can be a crucial question to ask when you are about to buy a life insurance policy. 

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travel insurance for children

What’s The Appropriate Time To Add Travel Insurance For Children?

By Curt Rager, CPCU / June 1, 2022 /

“Travel insurance for children” is becoming a popular search for many people. It used to be you’d only have to think about adding insurance on a trip when you were going overseas. But in the post-pandemic world, we’re living in, the restrictions and rule changes can make traveling trickier for you and your kids.

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Does Homeowners Insurance Cover Storm Damage

Does Homeowners’ Insurance Cover Storm Damage?

By Curt Rager, CPCU / April 21, 2022 /

This is the time of the year many people are typing “Does homeowners’ insurance cover storm damage?” into their favorite search engine. 

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firplace maintenance michigan

Why Wood Stove And Fireplace Maintenance Is So Critical

By Curt Rager, CPCU / November 29, 2021 /

There’s nothing more comfortable and beautiful in a home during a Michigan winter than a roaring fireplace and the heat of a wood stove.  But without regular maintenance, that comfort could turn into a life-threatening hazard, not only for your family home but also your vacation home.  

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fall home maintenance checklist

Prepare Your Home For Winter With This Fall Home Maintenance Checklist

By Curt Rager, CPCU / October 11, 2021 /

There’s no better time than now to take a look at your fall home maintenance checklist. It will help you to get ready for seasonal weather (yep, winter) that can damage your home. But when it comes to Michigan winters, routine prevention can save you a lot of money in the long run. Doing simple…

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umbrella policy michigan

Do I Need An Umbrella Policy? Michigan Renters Should Consider It

By Curt Rager, CPCU / October 11, 2021 /

An umbrella policy, Michigan renters, and peace of mind often go hand in hand. The fact is, we spend a lot of time educating our homeowner clients about the importance of umbrella policies. But did you know that it’s an excellent option for renters as well? 

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travel insurance covid

Travel Insurance: Covid Made It A Necessity

By Curt Rager, CPCU / July 28, 2021 /

Before the pandemic, you probably didn’t think too much about personal travel insurance. Covid changed all of that. The global pandemic continues to cause chaos in the travel industry. So, it’s important to put together a plan that will protect you and your family on any trip.

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how much is RV insurance in Michigan

How Much Is RV Insurance In Michigan?

By Curt Rager, CPCU / May 31, 2021 /

If you live to travel the open road in your RV, then RV insurance is a necessity. Whether you have a pop-up, a pull behind, or a full recreational vehicle rig, there’s no time like now to load up the family or take a romantic drive to a state or national park.  But anyone who…

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Is Boat Insurance Required In Michigan?

By Curt Rager, CPCU / April 28, 2021 /

If you’re asking the question “Is boat insurance required in Michigan?”, you’re asking the wrong question. The question isn’t “if,” it’s “which” insurance should you get for your watercraft?   Why? Only California ranks ahead of us when it comes to boating. There are more than a million boats put in the nearly 11,000 lakes in…

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how much life insurance do i need

How Much Life Insurance Do I Need?

By Curt Rager, CPCU / February 2, 2021 /

What Is Life Insurance? Life insurance protects the people you leave behind. It’s an insurance policy that pays a certain amount of money for your loved ones’ anticipated expenses after you pass away. How much life insurance you need depends on what you hope to cover for your loved ones after you’re gone. Some people…

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