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Michigan Spring Insurance Tips

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.

  1. Toys and vehicles – Did you take insurance off any motorcycles, ATVs, boats, or vehicles in the fall, or never had it in the first place?  Make sure you have liability and physical damage coverage active on that 4-wheeler or convertible before you even drive it out of the garage.

  2. Jewelry – Those new earrings or bracelets you got or gave for Christmas or Valentine’s Day might best be covered as scheduled jewelry.  A standard homeowners policy gives quite limited coverage for items like jewelry, firearms, or fine art.  Talk with your agent to understand your coverage, and be sure to update appraisals as values change.

  3. New Spaces in the Home – Finish the basement over the winter, or planning an addition on the home this year?  Be sure to discuss it with your agent, to be sure you have adequate coverage on the house in case of a fire or broken water pipe.

  4. Liability limits –If you find yourself in an auto-related lawsuit or slip and fall at your home, you always want to make sure your liability coverage is where you want it.  Maybe it’s time for higher limits or an umbrella policy?

  5. Business Property – Own a business?  If you’ve started a business out of your home, bought new property for an existing business, or are broadening what you do in your business, time to call your agent to make sure you’re covered.

Obviously none of these ideas are intended to imply coverage or replace a direct conversation with your agent.  He or she won’t know what’s new with you unless you let them know—so be sure to contact your agent to discuss any questions, concerns, or changes in your situation.  Feel free to contact us at Hardt Insurance with any questions.

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