What it covers. What it doesn’t. What we’d do.
Every guide answers one question the way an advisor would across a desk — including the parts a carrier website leaves out. Michigan rules are labelled as Michigan rules; everything else is true anywhere.
Read in the time it takes to make coffee.
What does comprehensive auto insurance cover?
Comprehensive pays to repair or replace your own car when it is damaged by something other than a collision: theft, vandalism, fire, hail, flood, falling objects, and…
AutoDo I need uninsured motorist coverage?
It is not required in Michigan, but it is the coverage that pays you when the driver who hurt you has no insurance or not enough. Roughly one in five Michigan drivers…
HomeReplacement cost vs. market value
Market value is what a buyer would pay for your house and the land under it. Replacement cost is what it would take to rebuild the house alone, today, with today's…
HomeWhat actually happens when your house burns down
You call the carrier the same day, an adjuster is assigned, and the policy starts paying in three streams: money to live somewhere else, money for what was inside, and…
HomeDoes homeowners insurance cover a golf cart?
Usually only while it is on your own property and used to service the property or play golf. The moment it is driven on a road, a trail, or a neighbor's land, most…
UmbrellaWhat does an umbrella policy actually do?
An umbrella adds a layer of liability coverage — usually $1 million or more — above the limits on your auto, home, boat, and other policies. It pays when a serious…
AutoWhy did my insurance premium increase?
Most increases have nothing to do with you. Carriers file rate changes with the state to keep up with repair costs, medical costs, and weather losses across everyone…
AutoShould I file this claim?
File when there is an injury, when someone else is involved, or when the loss is clearly larger than your deductible plus what a claim might add to your premiums over…
One question. Under two minutes.
Each video ships with its transcript and a written explanation, so you can read it, watch it, or send it to someone.
Comprehensive vs. collision in 60 seconds
What is the difference between comprehensive and collision?
Uninsured motorist coverage, explained
What does uninsured motorist coverage do in a no-fault state?
Why your renewal went up when nothing changed
Why did my premium go up at renewal?
Organized around what’s happening, not insurance vocabulary.
Buying a house
Your lender needs proof of insurance before closing. Getting it right takes about a week, so start when the offer is accepted, not the day before.
LifeBuying your first car
The dealer will not release the car without proof of insurance, and the policy you choose in the finance office is rarely the one you should keep.
LifeAdding a teenage driver
A licensed teen in the house must be on the policy — and the increase is real. There are five things that soften it.
LifeGetting married
Two households become one. Combining policies usually saves money, and naming each other on them matters more than people expect.
LifeHaving a child
The one insurance decision that is entirely about someone else. Term life is the first thing to buy, and the amount is bigger than most people guess.
BusinessBuying a rental property
A house you do not live in is not covered by a homeowners policy. Landlord coverage is a different contract with different questions.
Let’s see what the market can do for you.
Tell us what you need and where you are. We’ll show you the path before you give us a phone number.