Life moves quickly. One day you’re planning for the future, and the next you’re navigating unexpected challenges. While we can’t always predict what’s ahead, we can prepare for it. That’s where life insurance comes in.
When it comes to insurance, timing is everything. Most people assume they can file a claim when it's convenient—but that’s not how insurance policies work. In fact, one of the most common reasons claims are denied is because they weren't reported quickly enough.
(Updated January 2026)
Winterize Your Home — and Make Sure You’re Covered
Winter in Michigan is a given — even when we’d rather be thinking about sunshine and beach days. With colder temperatures, heavier snow events, ice, and stronger wind patterns becoming more common, it’s more important than ever to prepare your home and make sure your insurance coverage is ...
Updated January 2026
What to Do After a Loss: A Step-by-Step Insurance Claims Guide (Updated for 2026)
Experiencing property damage, an auto accident, a workplace injury, or a liability claim can be overwhelming. After ensuring everyone’s safety and receiving any necessary medical care, many people are left wondering:
Updated January 2026
Rising Construction Costs: Why Your Insurance Coverage Matters More Than Ever in 2025
By now, most homeowners and business owners are well aware that construction costs remain significantly higher than they were just a few years ago. While prices have stabilized in some areas, material and labor costs are still elevated—and that reality has important implications for ...
Updated December 2025
Winter Roof Maintenance Tips to Protect Your Home in Michigan (2025 Guide)
Michigan winters are nothing if not unpredictable. Heavy snow, freezing rain, sleet, high winds, and rapid temperature swings are now common—sometimes all in the same week. While extra snowfall can be great for winter recreation, it also places serious stress on residential and commercial roofs.
Updated December 2025
Winter Roof Safety: Prevent Damage from Snow and Ice in 2025
Michigan winters are beautiful—but heavy snow, ice, and fluctuating temperatures can put serious stress on your home or commercial building. In 2025, with climate patterns bringing more intense snow events, it’s more important than ever to prepare your property and reduce the risk of damage from ...
Updated December 2025
What You Should Know Before Home-Sharing
With the rise of the gig economy, home-sharing platforms like Airbnb and Vrbo have become popular ways to earn extra income from your property. While the idea of turning your home—or even a spare room—into a revenue stream is appealing, there are important considerations homeowners need to understand before listing their ...
Updated December 2025
Your Duties After a Loss: What to Do in 2025
When something unexpected happens—a storm, a burst pipe, a vehicle accident, or damage to your business—your insurance is there to help you recover. That’s why individuals, families, and business owners invest in coverage year after year: to protect what matters most and manage life’s biggest risks. Insurance ...
Updated: December 2025
Alpena
514 N Ripley Blvd
Alpena, MI 49707
Local: (989) 356-6133
Hillman
150 State St
Hillman, MI 49746
Local: (989) 742-4574
Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684
Local: (231) 947-1164
Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935
Local: (906) 265-5137
Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770
Local: (231) 347-4610
Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401
Local: (989) 705-8664
Oscoda
PO Box 39
Oscoda, MI 48750-0039
Local: (989) 739-1461
