The West Bloomfield, MI area is a great place to live and visit due to the strong economy and variety of recreational amenities. When you are looking to move here, getting the right personal insurance plan in place is very important. For those that are looking to move to this area of the state, getting umbrella insurance coverage would be a good investment. There are several situations when someone should get umbrella coverage here. 

Coverage Protects Against Catastrophic Claims

Most people are going to receive personal liability coverage through home or auto insurance policies. However, these policies will have a policy limit and if there is ever a very significant claim that exceeds this amount, you will have to pay the rest out of pocket. In these situations, an umbrella policy will come in handy as it will offer the additional coverage you need.

Protection for More Situations

You will also want umbrella coverage as it can provide protection for more situations. An umbrella policy offers very broad coverage that can include protection for a wide range of potential risks. This can ensure that you have protection for situations that would not otherwise be covered. This can offer you peace of mind and comfort knowing you are prepared for the unexpected. 

Getting umbrella coverage in Michigan continues to be a good option for anyone that is looking to protect themselves. Those that are in the West Bloomfield, MI area and are looking for a new policy here should call Agency Advantage Insurance. The team with Agency Advantage Insurance understands how important this type of coverage is. Based on their review of your individual situation, they will be able to help you pick a policy that provides the right coverage for your situation. 

As a collector, you spend most of your time restoring your dream car and always keeping it in its best condition.  Classic car ownership means protecting your investment at all costs, and that’s why at Agency Advantage Insurance in West Bloomfield, MI, we recommend buying enough classic car insurance. How do you preserve your car to ensure that it is always looking sleek all-year-round?

Storage is key

Where you store your classic car matters the most. Most insurance agencies have stringent rules on how and where to keep your precious jewel. Each insurance plan is calculated based on this factor. For instance, if you have a home garage, you want to make sure that your antique car is not affected by elements. Dedicated storage facilities are considered the best and safest ways to protect your vehicle.

Keep essential documents away.

Classic cars have a history. If you were lucky to get your hands on your car’s old photos or videos, those are precious documents. So, keep them as far away as you can unless they are needed. They will help you appreciate your investment and even help increase its value.

Conduct thorough research about your car, particularly maintenance,

Find books, catalogs, vintage magazines, and other memorabilia that document your vehicle. The West Bloomfield MI libraries can help you find them. Research can be fun as it will help you understand your investment better. It will also help you verify and confirm the originality of parts and ensure the proper installation of everything like bumper guards.

Take your car for a ride once in a while

If your vehicle doesn’t leave the showroom or garage, which is the case with most classic cars, consider taking it out once in a while. This helps keep the engine and lubrication lively. Even if you want to keep the mileage low, a short trip once a month won’t hurt your car’s value.

For more information about classic car preservation, call Agency Advantage Insurance or visit us at our West Bloomfield, MI offices.

The state of Michigan is one of the states that requires all motorcycle operators to carry motorcycle insurance. Just like auto insurance, the state has required minimums that must be met by motorcycle operators. Motorcycle operators need to understand what those minimum coverage requirements are and purchase coverage to meet the required minimums. 

Michigan’s New No-fault Law Increased the Required Coverage Limits
Michigan’s new no-fault law became effective July 1st, 2020. This state law changed the minimum coverage amount that is legally required for motorcycle operators. The state requires all motorcycle operators to carry liability coverage. The new coverage amounts required by the state increased. Motorcyclists must currently carry liability insurance in the amounts of $50,000 for bodily injury and a single death, $100,000 for bodily injury and more than one death, and $10,000 for property damage. 

The Agency Advantage Insurance of West Bloomfield, MI understands how changes to the state minimum requirements may create some confusion. We are committed to making sure motorcycle operators understand the minimum state requirements for coverage and purchase motorcycle insurance that meets both state minimums and their specific needs. Our team at the Agency Advantage Insurance of West Bloomfield MI can educate Michigan motorcycle operators on the need to purchase state liability insurance for motorcycles for bodily injury, death, and property damage. Visit us online or give us a call. We look forward to answering all of your questions. 

Other Considerations Regarding State Minimum Coverage…
The state’s no-fault policy won’t provide additional coverage beyond the preset limits. As a result, you may want to consider purchasing much higher levels of coverage to cover an accident. It should also be noted that the state of Michigan doesn’t reduce motorcycle operator’s financial responsibility just for wearing a helmet. Motorcyclists’ in Michigan will have to meet the insurance requirements set by the law. Visit us online or give us a call. We’re standing by.

Agency Advantage Insurance assists the West Bloomfield, MI community by offering residents insurance policies that will help them enjoy a comfortable life. We provide our clients with a wide array of insurance policies to help them make an educated choice regarding their future.

Umbrella Insurance

Umbrella insurance provides extra protection when you need it most. The policy is beneficial if you are held liable in a potentially serious situation. Umbrella insurance can cover any gaps left behind in your home or auto insurance policy. While you are researching different policies, here are some facts to consider.

Extra Vehicles May Be Covered

In addition to your primary vehicle, you can amend your umbrella insurance policy to cover any alternative vehicles that you have. You can add coverage to your boat or motorcycle.

The Policy Covers You Away From Home

If you are planning to go on vacation, having an umbrella insurance policy will help alleviate some stress. In the event that you are involved in an accident while you’re on vacation, you’ll still be covered.

The Policy Covers You While You’re Online

If you are involved in a disagreement online and things start getting serious, your umbrella insurance policy will cover you. If the person that you were chatting with alleges that you made slanderous statements against them, the extra layer of protection will help you.

Umbrella Insurance Can Help Secure Your Future

It only takes one accident to derail your goals and dreams for the future. However, umbrella insurance allows you to have a safety net so that you can stay on track regarding the goals that you want to accomplish.

Agency Advantage Insurance Will Assist You

As an independent agency, we consult with several different carriers to make sure that our clients receive coverage that fits their needs. Stop by our office in West Bloomfield, MI today so that we can help you.  

When it comes to choosing a health insurance plan, many people get overwhelmed. So much information and so little direction to help you make the right choice. Having an insurance agent you can trust goes a long way in making the decision less stressful. At Agency Advantage Insurance in West Bloomfield, MI we are an independent agency and can offer our clients more choices. We represent many different carriers making it easier for us to find the perfect match for our clients. 

Before you decide on your health insurance coverage you need to make sure that you understand terms that are used routinely to describe the plans. 

Network

Every insurance company negotiates with providers to get the best possible deal for their customers while making sure that they have access to quality health care. You need to examine the network to make sure your preferred doctors, dentists and hospitals are in the insurance company’s network. The carrier should provide you with access to a provider directory. 

Formulary

This is the drug list that tells you if any drugs you take are covered and what tier they fall into. Each tier has a different co-pay and some may also have deductibles. Both brand name and generic drugs are included. 

Maximum out of pocket

The maximum out of pocket is the dollar amount that you personally have to pay. Once you have paid this amount, you won’t have to pay any additional fees.  

Choosing the right health coverage is one of the most important decisions you make every year. You want to be able to afford the policy and have the coverage you need to allow you to get quality health care. At Agency Advantage Insurance in West Bloomfield, MI we understand your concerns and we will work with you to get the coverage you want and need. Give us a call or stop by our office for a no-obligation quote. 

As a biker in West Bloomfield, MI, it’s important that you have a good motorcycle insurance policy that will meet state requirements and protect you financially. At Agency Advantage Insurance, we offer motorcycle insurance policies that protect motorcyclists financially. 

The following are three things you should know about motorcycle insurance if you’re on the market for the right policy in Michigan.

Liability coverage for motorcyclists is often less expensive than auto insurance.

You’ll be happy to know that basic liability coverage for a motorcycle is generally cheaper than liability coverage for an automobile. This is because a motorcycle can generally be expected to do less damage than a motorcycle would. 

This is good news for bikers because liability coverage is legally required in almost every state. 

There are numerous discounts you might be able to take advantage of for your motorcycle coverage. 

When you’re on the market for a motorcycle insurance policy, you should look out for discounts. You can qualify for discounts in a lot of ways. Some insurance providers give discounts based on your rider history. Others offer discounts if you bundle numerous policies with them or even if you are a homeowner. 

It’s a good idea to invest in more than liability coverage alone.

States don’t usually require more than basic liability coverage. However, it’s still a good idea to invest in more coverage. Invest in collision coverage so that any damage to your bike is covered in the event of an accident. You also might want to invest more in coverage of medical bills in the event of an accident. This could really protect you financially down the road if you experience a severe accident. 

If you’d like to learn more about motorcycle insurance in West Bloomfield, MI, get in touch with us at Agency Advantage Insurance.  

 

 

 

There are farms all over the country, and they are an integral part of everyday life for most people because they provide products that are necessary for providing the things we rely on. Those who own farms know that the equipment and workers on those farms are what keeps them running, which is why it is vital to have a complete blanket of protection for equipment, structures, and workers. However, in some instances, there may be a higher liability risk, which is where umbrella insurance may prove helpful. 

Do Farms Need Umbrella Insurance Coverage?

There may be some instances where having umbrella coverage for a farm may be an excellent idea. For example, if a working farm hosts tours or have seasonal public activities, there may be a higher liability risk. In addition, if there are hazardous machines and equipment used by many workers, there may also be the need for additional liability coverage on the premises. Speak with a skilled and knowledgeable insurance agent before selecting farm or commercial insurance to determine if additional umbrella insurance coverage is recommended. 

One on One Services

The best way to protect any business from liability threats is to work with an insurance agency that has agents who can identify potential risks and recommend solutions that fit the individual situation. Anyone interested in umbrella insurance coverage in the West Bloomfield, MI area should consult with Agency Advantage Insurance to find out more about the available options and how to protect their interests with quality insurance products. 

Don’t risk having less than adequate insurance coverage. Work with Agency Advantage Insurance, serving West Bloomfield, MI, to learn more about how to protect the things that matter. 

 

As the cooler temperatures arrive, getting sick is back in season, and there are several vaccines you can get to prevent a severe illness this year. Our team at Agency Advantage Insurance wants our customers in West Bloomfield, MI and other areas to know what is available for them. 

Influenza Vaccines

Maybe the most popular vaccine during the cooler parts of the year, the influenza vaccine is suitable for one year and is designed to fight several strains of the dangerous and potentially fatal Influenza or Flu. Because this illness can be spread so quickly, it is easy to get others you care for sick with the flu if you have not been vaccinated. 

Tdap and Booster

Many adults may not have had an initial Tdap vaccine. Once you have the initial immunization, you should follow up with a booster in 10 years. If you have not had this vaccine, there is no time like the present to prevent illnesses such as tetanus and pertussis. 

MMR

For those who were born after 1957, getting an MMR vaccine prevents several illnesses that are starting to spread thanks to global traveling, mumps, measles, and rubella. With so many travelers and immigrants coming to the state of Michigan, it is critical for those who may have missed this vaccine early in their childhood to go back and get it now. 

Make the Right Choice With Health Insurance

When you purchase an individual health insurance policy, you are able to properly vaccinate and get the coverage you need against these dangerous illnesses. Health insurance allows you to secure your health in West Bloomfield, MI. If you do not have health care coverage and would like to talk to someone about a policy, call our agents at Agency Advantage Insurance today. 

 

Have you been thinking about getting an umbrella policy? Have you been asking yourself, why do I need an umbrella policy? If either of these is correct or if you’re just curious about what an umbrella policy is and what it does, then hopefully, you will find your answer here. If you live in West Bloomfield, MI, or the surrounding area, you can turn to the staff at Agency Advantage Insurance to provide the guidance that you need to make an educated decision. 

An umbrella policy is an excess liability policy that can be used to help you in case you are sued. In order to buy an umbrella policy, you must already have an auto, business liability, home, or boat insurance policy. It is additional coverage; it can only be in addition to a policy you already have. Most basic liability policies have adequate limits, but you should consider the amount of money that is awarded in judgments these days. It could mean that you might exceed the maximum on your policy. 

If you have any assets or if you have a lot of assets, you could be in danger of losing them. If you do not have enough assets to pay a judgment against you, your future earnings and assets could be garnished. If you have an umbrella policy, it will kick in when you have reached the maximum of your original policy. This can protect your current and future assets. Considering that an umbrella policy is very affordable, not having one is something that can leave you devastated. 

Why not give Agency Advantage Insurance a call to discuss why you need an umbrella policy. We are here to help the residents of West Bloomfield, MI, and those throughout the state. Give our office a call or stop by for a discussion of your personal needs. 

The question of whether to purchase classic auto insurance or obtain a standard policy amounts to how you want to use your vehicle. Agency Advantage Insurance wants West Bloomfield, MI drivers to remain safe on the road and understand what their classic car insurance does for them.

If you want to drive your car or truck daily, standard auto insurance provides your best choice.

Classic car insurance limits your use of your vehicle. Most policies limit you to about 1,000 driving miles per year. That falls far under what you would need for commuting or errand running. If you violate the policy and drive it for more miles, you void the policy. That means you lose all the premiums you paid.

Insurance companies expect you will only drive the classic car in parades, auto shows, and special events. It is this limited amount of road time that enables the companies to afford to pay for the full replacement value of a vehicle if it gets totaled.

Another requirement most insurance agencies use is that you have already restored the vehicle completely. You cannot get classic car insurance on a vehicle while you work on it. You can get standard coverage. Standard coverage typically costs more for full coverage, but it lets you drive the car as much as you want. That’s important since many cars insured under classic car insurance fall into the classic or vintage category, not antiques. A classic car may only be ten years old but will qualify if it was a limited edition or had a manufacturing run of only a few years. You’d still probably want to drive these cars, but classic car insurance would limit the amount you could do so.

The real benefit of classic car insurance is its payout. You can purchase a replacement vehicle of the same make, model and year outright with its insurance payout of full coverage. If the vehicle sustains repairable damage, the insurance company pays for the replacement parts. Some agents will even help you locate appropriate parts.

Contact Agency Advantage Insurance, serving West Bloomfield, MI, to learn how classic car insurance can benefit you. Even if your car isn’t a 100-year old antique, it may qualify for classic car insurance.