Tom Rummel, Author at Hardt Insurance

Classic Car Insurance - Close-up of Vintage Cars in a Parking Lot on Display at a Car Show at Dusk

Auto insurance

Vehicle Storage and Collector Cars

The leaves start changing, the kids are back in school, football’s back on the screen… it can only mean fall…

Tom RummelSeptember 8, 2026

The Hanover SafeTeen Program - Happy and Smiling Dad With His Teenage Girl Practice Safe Driving Together in Preparation for Her Drivers License Test

Auto insurance Car insurance Insurance

Auto Insurance in Michigan – Full Coverage vs PLPD

People always wonder, especially as their cars get older, whether to keep their vehicles on “full coverage” or “PLPD” liability…

Tom RummelJanuary 26, 2025

Clickable Coverage - Farm Scene of a Farm with Livestock, Trackers, and a Barn on a Cloudy Day

Farm insurance Insurance

Do you need a Farm insurance policy?

If you live out in the country or in a more rural area, there’s a chance you might get into…

Tom RummelJanuary 26, 2025

Church Insurance - White Church During Sunset in an October Fall

Business Insurance Church insurance Director & Officer Liability Insurance Non-profit insurance

Non-Profit Groups Have Special Insurance Needs

Many of us belong to or serve on boards of non-profit organizations. From service to social clubs, business groups, churches,…

Tom RummelAugust 28, 2024

Business Owners Insurance - Portrait of a Smiling and Happy Employee in a Successful and Modern Office with Fellow Employees Blurred in the Distance

College student Insurance Renters insurance

College Life – Does my student need renters insurance?

Michigan has plenty of great colleges and universities to choose from. Sending a child off to college can be an…

Tom RummelAugust 1, 2024

Homeowners Association Insurance - Row of Colorful, Red, Yellow, Blue, White, and Green Painted Residential Townhouses With Brick Patio in the Summer

Bundling Homeowners insurance Insurance

Homeowners Insurance – 5 Ways to Your Best Price

As an insurance agent, I've had customers tell me, “I never use my home insurance, so why am I paying…

Tom RummelJuly 19, 2024

Home-Insurance-Family-Home-with-a-Red-Door-and-American-Flag-Outside

Insurance Short Term Rental insurance Vacation Rental property insurance

Vacation Rental Property Insurance – 3 Tips

Short-term vacation rental properties are popping up everywhere, especially in popular resort areas like the Lake Michigan shoreline. From South Haven to…

Tom RummelApril 14, 2024

Insurance

Spring Cleaning – 5 Tips to Keep Your Insurance Up to Date

Spring means time to sweep out the garage, clean up the yard, and brush up your insurance to make sure…

Tom RummelMarch 14, 2024

5 Interesting Facts About Home Insurance - View of a Single Family Two Story Home in the Evening with the Lights on and Clean Cut Green Grass

Actual Cash Value Homeowners insurance Insurance Replacement Cost

Property Insurance Valuation – Understand What You’ve Bought

When buying home or property insurance, there are a few common valuation choices for how your home or business would…

Tom RummelOctober 20, 2023

Insurance

Hardt Insurance on the Big Screen

Did you know Hardt Insurance has a commercial showing during previews on the silver screens of the Michigan Theater here…

Tom RummelJuly 12, 2023