Preparing for Natural Disasters

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Your Guide to Safeguarding Your Home from Natural Disasters with Insurance

Did you know that preparation is paramount when it comes to defending your home from the unpredictable forces of Mother Nature? Illustratively, unforeseen natural disasters such as storms, floods, and extreme weather can leave disastrous impacts in their wake. Hence, a comprehensive home insurance policy becomes a necessity. Offering services to West Bloomfield, MI, and surrounding areas, we at Agency Advantage Insurance, hold paramount the need to ensure that your property is always ready to withstand any disaster.

Why You Should Review Your Insurance Policy Regularly

Having a comprehensive understanding of your specific coverage needs is fundamental to safeguarding your property. However, laws and policy options vary significantly across states, necessitating the regular review of your insurance details. It’s important to note that standard policies may not adequately cover all potential disasters, especially those common in certain regions, such as severe storms or flooding. Therefore, an open dialogue with your insurer to identify and fill any gaps is crucial for comprehensive protection.

Enhancing Your Home’s Resilience

Beyond securing optimal coverage, taking proactive measures to fortify your home against harsh climatic conditions can drastically reduce potential damages. Through home improvement efforts like strengthening your roof, storm shutter installation, and improving drainage, you not only promote resilience but also stand a chance to qualify for insurance premium reductions.

Let Us Protect Your Home

Our team at Agency Advantage Insurance is devoted to supporting you throughout your homeowner insurance journey. Serving West Bloomfield, MI, and surrounding areas, we aim to provide you with personalized coverage that fills you with confidence despite nature’s unpredictability. Through identifying optimum solutions, fostering smart preparedness, and maintaining an active role in policy updates, we help secure your home. Contact us today and profit from our dedication to ensuring your home is always ready to weather any storm.

Tips To Keep Your Classic Automobile Secure

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If you own a classic automobile, take measures to prevent damage and theft. Use the guidelines described below. Then, contact an Agency Advantage Insurance representative who serves West Bloomfield, MI, to update your classic automobile insurance policy.

Vehicle Security

A car alarm or another anti-theft device will prevent anyone from gaining access to your classic vehicle. Review alarm products that are designed to be installed inside your vehicle. Then, purchase one or more products to protect your car when it is not being driven.

Storage

Keeping your classic vehicle out of view will minimize the chance of being stolen or vandalized. Choose a storage option that will keep your car clean and dry. You can store your vehicle inside your garage or rent space at a facility that offers a vehicle storage option.

If you rent space, choose an interior storage spot that is climate-controlled. Ensure that the storage facility offers surveillance and other security features that will keep your classic vehicle well-protected.

Lights

If you have decided to store your vehicle on your property, invest in lights that can be used to illuminate the storage area when it is dark outside. Lights should be installed outside and inside the garage.

You may want to purchase motion-detection lights if you are not at home often. These types of lights will turn on if any motion is detected near the garage.

Updates

Now that you have considered some ways to keep your classic automobile secure contact one of our agents who serve West Bloomfield, MI. Agency Advantage Insurance offers many insurance products that classic vehicle owners can benefit from purchasing.

Four motorcycle insurance policy features that you should be aware of

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Getting the motorcycle insurance features you need can make your life easier. Agency Advantage Insurance offers insurance policies in West Bloomfield, MI. We can provide you with excellent insurance policy features that will give you peace of mind while you’re riding.

Here are four motorcycle insurance policy features that you should be aware of. 

Gap insurance

Gap insurance is important if you are still paying off a loan for your motorcycle purchase.

Gap insurance will cover any difference between the amount you still owe on your motorcycle and the amount you receive on any claim for the total loss of your bike. This way, you won’t end up owing money on a bike that has been totaled. 

Roadside assistance

With roadside assistance, you’ll be able to arrange to have a tow service come to your assistance if your bike brakes down due to a mechanical failure or an accident. Many insurance providers include roadside assistance on motorcycle insurance policies. 

Trip interruption coverage

Trip interruption coverage is important to have if you go on motorcycle trips that are far from home. This feature will cover any costs you face if your bike breaks down or gets in an accident while you’re far from home. 

Trip interruption coverage can cover costs like lodging, dining, and transportation fares. 

Diminishing deductibles

Some insurance providers offer a diminishing deductible feature on motorcycle insurance policies. With this feature, your deductible amount can decrease over time if you go a long period without having to file any claims on your policy. 

Riders in West Bloomfield, MI, can call us to get a policy quote. Give us a call today at Agency Advantage Insurance to learn more about the great features that our insurance policies offer.

Personal vs. Commercial Umbrella Insurance: What You Need to Know

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Umbrella insurance is one way to secure additional protection for your home or business. At Agency Advantage Insurance in West Bloomfield, MI, we can help you explore your coverage options.

What is Umbrella Insurance?

Umbrella insurance provides coverage above and beyond the limits of your other policies. Umbrella insurance is especially beneficial for people with assets exceeding policy limits or at higher risk of liability claims. There are two general types of liability insurance: personal and commercial. 

Personal Umbrella Insurance

Personal umbrella insurance supplements your personal policies. You can take out this kind of policy to ensure your home, vehicles, and recreational vehicles are covered when their value exceeds your auto insurance limits. You can also lean on umbrella insurance for additional protection against personal liability claims that exceed other policy limits. 

Commercial Umbrella Insurance

Commercial umbrella insurance supplements your commercial policies. Companies must pay any legal costs, medical costs, settlements, judgments, and damage to other people’s property over their policy limits. Umbrella insurance can cover those amounts, eliminating unexpected – and sometimes astronomical – expenses. 

This kind of insurance works with your other commercial policies, like commercial auto insurance and general liability insurance. If a claim is filed, those plans will pay up to the limit, and then commercial umbrella insurance will kick in, covering any out-of-pocket costs above the limit(s). Common expenses include bodily injury, lawsuits, and property damage. 

If the value of your assets exceeds the limits on your personal or commercial policies, you may need an umbrella policy. The team at Agency Advantage Insurance in West Bloomfield, MI is here to answer your questions. Please stop by or call us today!

Is It Time to Upgrade to a Comprehensive Auto Policy?

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Regarding auto insurance policies, it can be not easy to know when it’s time to upgrade yours. Fortunately, the folks who live here in the West Bloomfield, MI area can rely on the team at Agency Advantage Insurance. We’re here to provide the information you need to make informed decisions about your auto insurance policy. Find out today if it’s time to update your current policy to one more complete and comprehensive.

Benefits of a Comprehensive Auto Policy

Several different benefits come with a comprehensive auto policy. You’ll enjoy more robust coverage and protection for various events. If you’ve had your current policy for a while, it’s time to consider upgrading to a comprehensive policy. Your local agent can answer any questions you have about these policies and how they can better protect you and your family.

Don’t wait until you’re involved in an auto accident to find out that your policy doesn’t provide the insurance coverage you need. Talk to your local agent today to find out how this type of upgrade can boost your peace of mind and give you the protection you need. Now’s an ideal time to review your current policy to see if it’s adequate or if a comprehensive policy is a better fit for your needs.

Got questions? We have answers for you!

Agency Advantage Insurance is proud to work with the West Bloomfield, MI community with all of its insurance needs. If you have questions about your auto policy, you can count on us to get you the answers you need. Call or stop by today to talk with one of our helpful and knowledgeable agents.

We look forward to hearing you soon!

Home Insurance Claims: Steps to Follow for a Smooth Process

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Filing a home insurance claim can be daunting, especially if you have never had to file one before. But understanding the things you should do can make it smoother. Here at Agency Advantage Insurance, providing residents in the greater West Bloomfield, MI region with home insurance, we want to make the process as simple as possible. Here are some of the critical steps you should keep in mind for a successful claim.

Document the Damage

Do take clear photos and videos of the damage as soon as it’s safe to do so. These visual records will serve as crucial evidence for your claim. Make sure to capture all affected areas and items.

Contact Your Insurance Company Promptly

Notify your insurance company as soon as possible after the incident. Delays in reporting may affect the processing of your claim. Be prepared to provide all necessary details and information.

Keep Records of Expenses

If you need to make temporary repairs to prevent further damage, keep receipts and records of all expenses. Your insurance policy may cover these costs, and having documentation will help you get reimbursed.

Communicate Clearly

Maintain open and clear communication with your insurance adjuster. Answer their questions honestly and provide any requested documentation promptly. This cooperation can expedite the claim process.

Navigating a home insurance claim is challenging, but following steps can help ensure a smoother process during difficult times. In addition to knowing what to expect, it’s essential to be fully protected and covered if the unexpected happens. At Agency Advantage Insurance, serving the greater West Bloomfield, MI, we want to help you find the right policy with the ideal coverage amounts for you. Call us today to get started. 

Classic Car Insurance for Young Drivers

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Owning or driving a classic car is a dream for many young enthusiasts in and around West Bloomfield, MI. However, when it comes to insuring these vintage beauties, young drivers face unique challenges. Classic cars are valuable and have a higher risk profile due to their age and limited availability of replacement parts. 

Classic Car Qualifications

Before considering insurance options, young drivers must understand what qualifies as a classic car. Most insurers classify a classic car as a vehicle that is at least 20 to 25 years old, well-maintained, and retains its original design or has been restored to its original condition. 

Agreed Value Coverage

Unlike actual cash value coverage, which may depreciate the car’s value over time, agreed value coverage establishes a pre-agreed value with the insurer. In the event of a covered total loss, the agreed-upon value is paid out, providing young drivers with peace of mind that their investment is protected.

Limited Mileage Policies

Young drivers who own classic cars often drive them sparingly, using them mainly for car shows, exhibitions, or leisurely rides. Limited mileage policies consider reduced usage, offering lower premiums for those who drive their classic cars less frequently.

Driver Qualifications

Insurers may consider the driver’s age, driving record, and years of driving experience before offering coverage. Young drivers with a clean driving history may qualify for more favorable rates.

Safety and Security Measures

Young drivers should implement safety and security measures for their classic cars to reduce insurance premiums and protect their investments. Installing anti-theft devices, using secure storage, and keeping the vehicle in good working condition can positively impact rates.

Agency Advantage Insurance Can Help You

Here at Agency Advantage Insurance, we can answer all your questions concerning classic car insurance. We assist the West Bloomfield, MI region. Contact us today.

Motorcycle Coverage Options

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When it comes to motorcycle and auto insurance, nearly every state in the country requires at least liability insurance to be in place for all drivers, including motorcyclists. A liability insurance policy is required in the state of Michigan for motorcyclists. Still, there are other types of coverage you can opt for to protect yourself and the investment you have made in your bike. The agents at Agency Advantage Insurance serving the West Bloomfield, MI area want you to know about these options to make an informed decision about what types of motorcycle insurance you need.

What Does Motorcycle Insurance Cover?

There is an array of different coverage options when it comes to motorcycle insurance. Below are the four main types you can learn more about to determine if you need them for you and your situation.

Liability Motorcycle Insurance

This type of insurance is required for you to have, and it will help you pay the medical bills and property damage you cause in an accident.

Underinsured or Uninsured Motorist Coverage

The last thing you want to do is be involved in an accident, but it becomes even more difficult if you’re involved in an accident caused by a driver who has no insurance or lacks an appropriate amount of insurance. Underinsured and uninsured motorist coverage will help you repair your bike and pay for medical bills if you are injured.

Comprehensive and Collision Motorcycle Insurance

If you want your motorcycle to have the most coverage possible, consider collision and comprehensive insurance. Collision insurance helps you pay for damages that occur if you collide with something. In contrast, comprehensive insurance will help you pay to repair or replace your motorcycle if it is damaged in some unforeseen event. These types of events that are covered include natural disasters, fires, vandalism, or theft.

If you owe a lender for your motorcycle, you may already be required to have both collision and comprehensive insurance policies in place to protect the interest your lender has in your bike.

Contact Agency Advantage Insurance

The agents at Agency Advantage Insurance serving the West Bloomfield, MI area want to ensure you have the appropriate motorcycle insurance to protect you and your bike. Call today for an appointment.

Motorcycle Coverage Options

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When it comes to motorcycle and auto insurance, nearly every state in the country requires at least liability insurance to be in place for all drivers, including motorcyclists. A liability insurance policy is required in the state of Michigan for motorcyclists. Still, there are other types of coverage you can opt for to protect yourself and the investment you have made in your bike. The agents at Agency Advantage Insurance serving the West Bloomfield, MI area want you to know about these options to make an informed decision about what types of motorcycle insurance you need.

What Does Motorcycle Insurance Cover?

There is an array of different coverage options when it comes to motorcycle insurance. Below are the four main types you can learn more about to determine if you need them for you and your situation.

Liability Motorcycle Insurance

This type of insurance is required for you to have, and it will help you pay the medical bills and property damage you cause in an accident.

Underinsured or Uninsured Motorist Coverage

The last thing you want to do is be involved in an accident, but it becomes even more difficult if you’re involved in an accident caused by a driver who has no insurance or lacks an appropriate amount of insurance. Underinsured and uninsured motorist coverage will help you repair your bike and pay for medical bills if you are injured.

Comprehensive and Collision Motorcycle Insurance

If you want your motorcycle to have the most coverage possible, consider collision and comprehensive insurance. Collision insurance helps you pay for damages that occur if you collide with something. In contrast, comprehensive insurance will help you pay to repair or replace your motorcycle if it is damaged in some unforeseen event. These types of events that are covered include natural disasters, fires, vandalism, or theft.

If you owe a lender for your motorcycle, you may already be required to have both collision and comprehensive insurance policies in place to protect the interest your lender has in your bike.

Contact Agency Advantage Insurance

The agents at Agency Advantage Insurance serving the West Bloomfield, MI area want to ensure you have the appropriate motorcycle insurance to protect you and your bike. Call today for an appointment.

How Does Umbrella Insurance Benefit Retirees?

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Your retirement years should focus on enjoying your family, hobbies, and activities rather than worrying about money, so retirees need to consider umbrella insurance to protect the assets they worked so hard to accumulate. Although this article covers the value of umbrella insurance for retirees, everyone has unique needs, so consider contacting our team at Agency Advantage Insurance, serving West Bloomfield, MI, to discuss umbrella insurance as part of your insurance plan.

How Umbrella Insurance Benefits Retirees

We buy home and auto insurance to protect ourselves against the unexpected. Still, accidents happen despite our best intentions, and sometimes we are liable for damages that exceed our base policy limits. For example, Michigan’s minimum auto insurance policy covers your liability up to $50,000 per person and $100,00 per accident. If an accident results in liability exceeding your policy’s limits, you are responsible for the difference, potentially making your retirement savings, home, and other assets vulnerable.

The solution to that problem is umbrella insurance, which sits atop your other policies and applies only when you exceed their limits. Thankfully, the liability for most auto and home accidents is handled within your standard policies, so umbrella coverage is seldom needed, making umbrella insurance relatively inexpensive. In addition, since most retirees are past their prime earning years, umbrella coverage provides extra protection for you and your assets.

Working With Agency Advantage Insurance

In a world where anything can happen, umbrella insurance provides a low-cost method of protecting you and your family. So, if you live in or near West Bloomfield, MI, and want to benefit from the protection offered by umbrella insurance, the team at Agency Advantage Insurance stands ready to help. Call us today to discuss a plan that makes sense for you.