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Hardt Insurance Blog

View the latest blog posts from Hardt Insurance.

When the state passed laws in June 2019 to help control increasing automobile insurance prices, like anything in life, for consumers there will be positives and negatives.  Part of the law took effect immediately, but the main areas affecting pricing don’t take effect until July 2020. READ MORE >>

The time before the coming winter months are a key time to do some preventative maintenance around your home. Winter can be the toughest season on a home, so it's best to be prepared. Freezing temperatures, weight of snow, or ice build-up can all cause problems for any home. READ MORE >>

If you live out in the country or in a more rural area, there’s a chance you might get into some farming related activities.  Homeowners policies cover your liability for the land that you reside on, but once you get into business or farm related activities, you can end up with policy coverage exclusions that could leave you without insurance when you need it most. READ MORE >>

People always wonder, especially as their cars get older, whether to keep their vehicles on “full coverage” or “PLPD” liability only.  Before we get too far, it’s important to explain what these mean. READ MORE >>

What first appeared to be a bizarre property damage incident of fairly epic proportions has turned out to be a hoax.  A significantly large blueberry was reported to have partially crushed a local home.  Fortunately, it just turned out to be a reckless teenager playing around with graphic design, instead of doing his summer homework. READ MORE >>

Michigan has plenty of great colleges and universities to choose from. Sending a child off to college can be an emotional and stressful time. There are plenty of things that need to get handled, from paying the tuition bills, to meeting new roommates, to logistics of moving into new housing. READ MORE >>

Spring means time to sweep out the garage, clean up the yard, and brush up your insurance to make sure you are covered for when you might need it the most.  Here are 5 tips to keep things running smoothly on your insurance this spring. READ MORE >>

As an insurance agent, I've had customers tell me, “I never use my home insurance, so why am I paying so much?” I often say, trust me- you don’t want to use it- you never want to go through the trauma of a major fire or broken pipe claim just to see your policy pay out. READ MORE >>

I get asked all the time: “My car is one year older this year, so why did my car insurance not get any cheaper?”   The reality of the cost of car insurance these days is there are dozens, if not hundreds, of moving levers affecting the premium for each of us. READ MORE >>

Short-term vacation rental properties are popping up everywhere, especially in popular resort areas like the Lake Michigan shoreline.  From South Haven to Saugatuck, Covert to Glenn, and the inland lakes and beyond, vacation rentals are big business. READ MORE >>

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