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143 CadyCenter, Unit 304
Northville, MI 48167

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Featured Insurance Blog

Recreational Insurance: Enjoying The Great Outdoors

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When Northville, MI residents seek recreational insurance, they will consult with Insurish LLC. No matter what time of year it may be, there is no shortage of opportunities to have fun outdoors. With the help of a proper recreational insurance policy, you will be able to have all of the fun you desire without enduring the typical issues that tend to arise.

Benefits of Recreational Insurance

Injuries and accidents can take place while recreational vehicles are in use. If there is no coverage in place, the owner of the vehicle will be left responsible for all of the costs that take place. Hospital bills can be high, and damages are often costly to fix. Financial hardships should always be avoided at all costs.

Protecting Your Loved Ones

When accidents happen, they tend to take place during the moments when they are least expected. When it comes to the health and safety of your loved ones, do not get caught flat-footed. By taking the time to obtain the necessary recreational insurance policy, you are able to ensure the continued protection of your loved ones during all of your outdoor adventures.

Maintaining Your Property

If anything happens to your recreational vehicle, you need to know that you are in the best possible hands. With the help of a recreational insurance policy, Northville residents are able to maintain their property and keep their most crucial investments safe. After all, the last thing that any recreational vehicle owner wants is to be left without access to one of their most prized possessions.

We Are Here To Help

At Insurish LLC, we understand the importance of recreational insurance policies. Northville, MI residents who wish to learn more are more than welcome to give us a call or stop by as soon as possible. Our team of professionals is always on hand and happy to help!

Coverage provided by renters insurance

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Renters insurance offers a variety of very important coverage for renters, and yet more than 40% don’t carry the insurance. Insurish LLC in Northville, MI can provide the coverage you need and explain the benefits that it can provide for you as a renter. 

Property content coverage

As a renter, the building is not your responsibility to protect. That is up to the homeowner. You may think that you would have some coverage for your property from the homeowner, but you would be wrong. They only cover what belongs to them, like the hot water heater and appliances, if they are included. You are responsible for protecting your personal possessions. A renters’ insurance policy will cover your clothes, electronics, a limited amount of jewelry, furniture, and more. It covers you when your possessions are at home and when they travel with you. 

Liability coverage

Liability coverage protects you if someone is injured while visiting you or by a member of your family, even a four-legged one. It can pay for medical expenses, for a judgment against you, or for legal expenses. 

Loss of use coverage

When your rental is damaged by a covered hazard, it may not be habitable. You will need a place to stay until it is livable again. With loss-of-use coverage, you will be able to stay in a hotel immediately after the hazard, and if it is going to be a while before the rental is repaired, you will be able to get a temporary rental. Loss of use coverage will even pay for some meals if you are staying somewhere without cooking facilities. 

Reach Out To Us

Contact Insurish LLC in Northville, MI if you are a renter who has need of renters insurance. Stop by the office or give us a call to discuss what we can provide.

Smooth Sailing: Understanding the Difference Between Boat and Watercraft Insurance

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Your water vessel brings a unique sense of freedom. But have you considered the importance of having the right insurance to safeguard your maritime adventures? At Insurish LLC, your trusted insurance partner in the greater Northville, MI region, we’re here to help you navigate boat and watercraft insurance.

Defining the Waves: Boat Insurance Unveiled

Picture this: a leisurely cruise on your boat, wind in your hair, and the sun painting the water with shimmering reflections. Boat insurance protects against collisions, theft, or damage. It’s your anchor in times of unforeseen events, covering repair or replacement costs and sometimes even providing liability coverage.

Riding the Current: Exploring Watercraft Insurance

Now, let’s shift our gaze to watercraft insurance. Beyond traditional boats, this coverage extends its protective arms to various aquatic delights, including jet skis, wave runners, and more. Watercraft insurance ensures you’re covered for the specific risks associated with these high-speed and agile vessels.

Docking Safely: Your Insurance Harbor with Insurish LLC

At Insurish LLC, we understand that your aquatic escapades deserve dedicated protection. Our boat and watercraft insurance options provide comprehensive coverage, so you can enjoy your time on the water worry-free. We take pride in being your local insurance ally in the greater Northville, MI region, ensuring you have the right insurance for your unique maritime pursuits. So, set sail with confidence, knowing that we have your back.

Do You Have to Notify Your Insurance Company If You’ve Received a Traffic Ticket?

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Receiving a traffic ticket can be a frustrating experience, and it often raises questions about how it might affect your insurance rates and coverage. One common question is whether you are required to notify your insurance company when you receive a traffic ticket. Insurish LLC in Northville, MI is here with some insights into when it’s advisable to contact your insurer.

When to Notify Your Insurance Company

Typically, you should notify your insurance company when a traffic ticket results in the following:

  • A change in your driving record: Any traffic violation that results in points on your driving record, especially for offenses like reckless driving or driving under the influence, should be reported to your insurer.

  • An increase in your premium: Some minor traffic violations may lead to increased premiums, and it’s important to inform your insurance company to ensure you have adequate coverage.

  • A potential suspension of your license: If your traffic ticket may lead to a suspended or revoked driver’s license, it’s crucial to notify your insurer, as this can have significant implications for your coverage.

Consult With Us

While not all traffic tickets require immediate notification to your insurance company, it’s essential to understand your policy terms and assess the severity of the violation. In cases where your driving record, premiums, or license status may be affected, it’s advisable to report the traffic ticket promptly. Ignoring this responsibility could lead to coverage gaps or increased premiums down the road, so it’s better to stay on the safe side and keep your insurance provider informed when necessary. If you’re looking to obtain a new auto insurance policy in the greater Northville, MI area, call Insurish LLC to start the process.

Life Insurance FAQs

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Life insurance is one of the most important types of coverage that you can have. Most people are not as knowledgeable about life insurance as they could be and have questions that they will share with their independent insurance agent. At Insurish LLC in Northville, MI, we try to provide our customers with the answers to all of their life insurance questions. 

Life Insurance FAQs

What is the benefit of whole life insurance?

Whole life insurance is something you will have for your entire life. It doesn’t have a term, it will always be there. It also earns dividends, so it will grow over time beyond even the face value of the policy. You can also borrow against the accumulated value if the need should ever arise. 

Can life insurance be canceled?

The most common reason to have life insurance canceled is non-payment of the premium. If you are ever in a difficult situation financially talk to your carrier and explain the situation. Another reason the policy may be canceled is if it is discovered that false information was included in the original application. It could result in the benefit not being paid out. 

Who can I choose as a beneficiary?

You can choose anyone you want and even multiple people. Keep in mind that if you choose children, they will have to follow the state rules about the age the benefit can be collected by them. 

When should I buy life insurance?

If you are young and healthy, you will get the best rates on life insurance, but this may be when you need it least.  If you have people that depend on your income, that is when you should buy life insurance. 

We Are Here To Help

Give us a call at Insurish LLC in Northville, MI if you have questions about life insurance and let us help you get the answers you require. 

How Your Home Insurance Policy Can Protect You This Winter

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Homeowners in the greater Northville, MI area can rely on the team here at Insurish LLC for all of their home insurance needs. Our winters can be severe, and it’s important to take steps to protect your home from weather-related damage. Here are a few ways that your policy can help you this winter.

Winter Protection from Your Homeowner’s Policy

  • Slips and Falls – Icy driveways and walkways can become ground zero for slips and falls during the winter months. When you have liability coverage as part of your policy, you can be protected from financial damages.
  • Storm Damage – We all know how storms can cause damage to homes and other structures. With the right policy in place, you can be protected from some out-of-pocket expenses due to damage caused by a covered event.
  • Appliance Breakdowns – A broken furnace or plumbing system issues are no one’s idea of a good time, especially during the winter months. If you have a comprehensive policy, the repair of these appliances could be covered.

Before the cold weather rolls in, take the time to fully review your current homeowner’s policy to ensure that it provides the coverage you need. In fact, it’s always a good idea to sit down with your local agent once a year to review all of your current policies for completeness. Having the right policies in place can help you sail through winter, no matter what nature throws your way.

We’re Here to Help!

Here at Insurish LLC, we’re proud to serve all the insurance needs of our Northville, MI community. If you have questions about your homeowner’s policy or it’s time to increase your level of protection, give us a call or stop by the office today!

Four things you’ll like about your recreational insurance policy

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Recreational vehicle owners in Northville, MI should have recreational insurance coverage. Insurish LLC offers recreational insurance coverage to Michigan consumers.

The following are four things you’ll like about your recreational insurance policy:

Meeting legal requirements

You’re required to have recreational insurance so that you can legally take your recreational vehicle on public roads. When you buy a recreational insurance policy, you’ll keep yourself legal and avoid getting cited for driving without adequate insurance coverage. 

Being protected from liability expenses

You’re liable for accident damages that you cause on the roads. A recreational insurance policy includes liability coverage. This will protect you from any expenses you are responsible for after you get into an accident. 

Protecting your investment in your recreational vehicle

A recreational vehicle costs a lot of money. If you get in a bad accident, your recreational vehicle could be totaled so that you lose all the funds that you invested in it. 

Collision and comprehensive coverage protect the value of your recreational vehicle. With these types of coverage, you’ll get repairs paid for by your insurance if your vehicle becomes damaged. 

Not being stressed out as a recreational vehicle owner

Recreational insurance gives you peace of mind. You’ll be less stressed out about the potential of facing financial problems as a result of being a recreational vehicle owner thanks to your insurance policy. This will allow you to enjoy using your recreational vehicle more. 

Reach Out To Us

Find a recreational insurance policy that gives you peace of mind in your recreational vehicle with our assistance at Insurish LLC. We can provide Northville, MI consumers with a quote on a recreational insurance policy. Get in touch with us today!

Why Every Renter Needs Renter’s Insurance

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When you’re a renter, there are many ways that you need to be protected. Every renter needs to have a renter’s policy to offer that protection. Renter’s policies protect you in a number of ways. Each of them is important to your financial protection and peace of mind.

If you don’t have renter’s insurance yet for your rented home, call us at Insurish, LLC in Northville, MI to talk about the coverage you need. 

Protection for Your Belongings

When you’re renting, you don’t need to insure the actual home. The owner of the home is responsible for having insurance on it. This is in case the dwelling is damaged or destroyed.

What you as a renter need to have is protection for your belongings. The things you own are inside your rented home. They need to be protected against damage such as from specific disasters. It’s never a good idea to go without this protection. If a covered event causes damage or destruction to your things, this insurance can pay for replacements. This can protect you from having to replace everything on your own after a disaster or accident. 

Protection for Liability 

When you’re the renter of the property, you’re responsible for it. When someone has an accident there and has an injury, it’s up to you to pay for it. If you don’t have renter’s insurance, you have to pay out of pocket. This includes paying for the lost wages and medical bills of the injured person. With renter’s insurance, the policy pays for these. It’s easy to never think about liability costs, but if an accident does happen, you need to be insured. 

Peace of Mind

Your belongings and finances are at risk if you don’t have renter’s insurance. For your peace of mind and protection, call us at Insurish, LLC in Northville, MI.

Is boat insurance required in Michigan?

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Michigan has a wealth of natural beauty that is difficult to ignore. With Lake Michigan alone, it’s no surprise that boating is a popular way to spend time in this Great Lakes state. But with this popular activity comes the question:

Is boat insurance required in Michigan?

The answer is not as simple as a straightforward yes or no.

First, it’s important to know that having boat insurance in Northville, MI is not mandatory, but Insurish, LLC highly recommends it. Even though the state doesn’t require it, you’re probably wondering about the benefits you can have when you purchase boat insurance. So, let’s talk about them.

Accidents can happen even to the most experienced boaters. Boat insurance gives you peace of mind that you are financially covered if an unfortunate accident occurs. The policy can pay for damages to your boat, injuries to you or others, and even legal expenses if you’re sued. Plus, you can purchase additional coverage to protect your investment if you have an expensive boat.

Aside from that, many marinas and waterways in Michigan require boaters to have liability insurance. In this case, even if the state doesn’t require it, you may still need it to access some places.

Reach Out To Us

Northville, MI may not require boaters to have insurance, but it’s generally a smart investment to consider. Boat insurance provides peace of mind and financial protection against accidents, damage, and liabilities. Plus, some marinas and waterways require it. When purchasing boat insurance, shop around and choose the right policy for your needs.

Contact Insurish LLC for more guidance and help in choosing the right policy. Remember, staying safe and protected while on the water is always the priority.

Why basic auto insurance may not be the right choice

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Making the right choice when it comes to auto insurance is vital to your financial security. Knowing what the right choice is requires a relationship with your insurance agent. If you live in Northville, MI or the surrounding areas, you can count on Insurish LLC to provide the information and options you need. 

Auto Insurance: Beyond The Basics

In the state of Michigan, the required basic insurance to register a motor vehicle is 20/40/10. This is strictly liability coverage that protects other drivers from you. What it means is that your insurance will pay $20,000 in injury payments for one person injured in an accident you are responsible for, with a total of $40,000 for all injuries in that accident. It will also pay for $10,000 in property damage. 

This is not a lot of coverage, it really is very basic. With the cost of a hospital stay or repairs to a vehicle, you can see that you might find yourself in a world of trouble with this coverage if you have any assets. To protect yourself, you may need to add more than basic coverage. 

Basic insurance covers the vehicle of the other driver, but what about your vehicle?  Are you able to repair or replace your vehicle with your own money, or would it be a hardship?  If you are leasing your vehicle or have a car loan, you will need to carry insurance that protects your vehicle, it is required. If you would not be able to easily pay for the repair or replacement, it makes sense to add collision and comprehensive coverage to your basic auto policy. Most people want to have this protection for the vehicle they count on every day.

Give Us A Call

Contact Insurish LLC in Northville, MI to get the information and help that you need to choose the auto insurance that will provide the coverage that you require. 

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