Something changed. Here’s what to check.
Nobody wakes up wanting an HO-3. They wake up closing on a house. Each situation lists what actually changes about your risk and what to do, in order.
Milestones with an insurance decision hiding in them.
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.
The moment insurance becomes real for a business.
Buying 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.
BusinessStarting a business
The first certificate someone asks you for is the moment insurance becomes real. Getting the first policy right is easier than fixing it later.
BusinessHiring your first employee
Michigan requires workers’ compensation for most employers with one or more employees. It is also the coverage that protects you from being sued by the person you just hired.
BusinessBecoming self-employed
Consultants, therapists, designers, trainers, and trades all become insurable businesses the day they invoice. Which policy comes first depends on what you do.
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.