Author: admin

Should You Get RV Insurance For Pull Behind Campers?

Posted on by admin

RV insurance is carefully tailored to meet the specific needs of RV owners. However, pull-behind campers fall into a unique category. They aren’t quite RVs, but they also aren’t standard vehicles. So, do you need auto insurance or RV insurance for your pull-behind camper?

Legal Requirements

Most states do not require insurance for pull-behind campers by law. Instead, the vehicle towing the camper must have insurance. However, this does not mean you should skip insuring your travel trailer or camper.

Benefits of RV Insurance

While auto insurance may provide some coverage for pull-behind campers, it typically only includes structural damage to the exterior. RV insurance is often a better fit for camper owners, offering more comprehensive protection.

Coverage for Belongings

Many camper owners in Detroit, MI store a significant portion of their belongings in their camper. RV insurance can include coverage for personal belongings, especially if your camper serves as your home. To ensure you have adequate coverage, it’s best to consult with a professional at Premier Insurance Agency.

Similar Coverage to Auto Insurance

Auto insurance typically covers events such as natural disasters, theft, and vandalism. Most RV policies automatically include coverage for specific natural disasters. You may also have the option to upgrade your policy to include comprehensive and collision coverage.

Protection While Parked

Many RV insurance policies provide coverage while your camper is parked or stored for the winter. Some policies even offer lower rates during off-season storage periods, as the camper is not in use. Covered damages often include theft and vandalism.

Finding the right RV insurance policy for your pull-behind camper is essential to ensure financial protection. Agents at Premier Insurance Agency can help you determine the best policy to meet your needs. Contact us today to learn more. We proudly serve the Detroit, MI area.

Riding Your Motorcycle in the Rain: Is It Safe?

Posted on by admin

While it’s not illegal to ride your motorcycle in the rain, it’s crucial to take precautions to ensure your safety. This article will discuss what you need to know before venturing out on your bike when rain is expected.

Recognizing the Risks

Riding a motorcycle in the rain is feasible, but it comes with significant risks that you should consider. Traction is diminished on wet roads, extending your stopping distance and making it easier for you to lose control of your bike. Your visibility, as well as that of others on the road, can also be affected.

Be Prepared

Having the right gear before heading out into the rain is essential. Ensure you’re equipped with a waterproof jacket, pants, gloves, and boots to stay dry. Your helmet should have a full-face mask and an anti-fog visor. Double-check that your tires are fully inflated and that your brakes are in good condition.

Modify Your Riding Style

When riding in wet conditions, it’s important to brake and turn slowly. Apply both brakes gently and start slowing your bike early to prevent skidding. Stick to the speed limit or go slower, and be cautious of slippery surfaces like road paint, manhole covers, and metal grates, especially when turning.

Visit Premier Insurance Agency in Detroit For All Your Insurance Needs

At Premier Insurance Agency, we’re committed to keeping Detroit, MI, safe. Whether you’re looking for a motorcycle insurance policy or a different form of coverage, we’re here to help you feel confident that you’re protected. Visit our office today or give us a call to learn more.

How Boat Insurance Covers Injuries to Passengers and Others

Posted on by admin

When you’re gliding across the water on a warm summer day, the last thing you want to consider is the possibility of someone getting injured. However, just like on the road, boating accidents can occur unexpectedly. That’s why having adequate boat insurance is not just a good idea—it’s essential. At Premier Insurance Agency, serving the Detroit, MI region, we work with boat owners to ensure they’re fully protected, especially regarding onboard injuries.

Understanding Liability Coverage

Liability coverage is a critical component of a boat insurance policy. If someone gets injured while on your boat and you’re deemed responsible, this coverage helps pay for their medical expenses and any legal fees if a lawsuit arises. Whether it’s a friend who slips or someone injured in a collision, liability protection can significantly impact how these costs are managed.

Medical Payments Coverage

Medical payments coverage can step in even if you’re not at fault. This part of your policy helps cover medical costs for injuries that occur on your boat, regardless of who caused the accident. It’s a valuable layer of protection that can cover anything from minor cuts to more serious injuries.

Accidents Around the Boat

Boat insurance can also assist with injuries that happen during launching, docking, or loading equipment. These moments can be unpredictable, and having coverage extending the open water is a wise decision.

If you want to ensure your boat insurance covers what matters most, contact Premier Insurance Agency, which is proudly serving the community in and around Detroit, MI. We’re here to help you feel confident every time you set sail.

Umbrella Insurance and your Will

Posted on by admin

Wills and umbrella insurance are two legal documents people tend to consider later in life. Older people often consider umbrella insurance as they have likely accrued a significant amount of property in their lifetime, which saves a lot of time and money. Older people may also want to consider writing out a will as the end is inevitable and, as they say, you can’t take it with you. These documents can work in tandem to deliver comprehensive protection for your assets and those who will inherit them.

Understanding Your Coverage

Upon the death of the original policyholder, the coverage will remain the same until the next renewal date. At this point, the named insured should change from the deceased’s estate to the estate’s inheritor once it has been sufficiently settled. If the property is a residence, a fire policy may be necessary until the residence is permanently occupied. Because umbrella insurance covers legal and medical fees, your family will not be on the hook for paying them off after you’ve passed on. While taking stock of your assets for your will, it’s a good idea to get umbrella insurance for all these assets so that your loved ones will get what’s coming to them.

Premier Insurance Agency Serving Detroit, MI

If you live in the Detroit, MI, area and are seriously considering umbrella insurance, please get in touch with us at Premier Insurance Agency. We know getting the right insurance policy can be difficult, but our seasoned agents are dedicated to helping you navigate the system and find the policy that is just right for you and your unique needs.

What Happens If a Neighbor’s Negligence Causes Damage to Your Unit?

Posted on by admin

Living in a condo can perfectly balance personal space and community living. However, a troublesome neighbor can cause stress and even pose a risk. If you’re in the Detroit, MI area, Premier Insurance Agency is here to ensure you have the right condo insurance policy for your needs. This way, even if a neighbor’s negligence causes damage to your condo unit, you can rest assured that you have robust protection for peace of mind.

Neighborly Negotiations May Not Suffice

If you have a good relationship with your neighbor and they have a comprehensive insurance policy, you might be able to collaborate with them to cover the cost of damages. However, this depends on the extent of the damage and the circumstances surrounding it. Sometimes, resolving the issue amicably just isn’t enough.

The Right Policy Provides Options

Another way to address damage to your unit caused by a neighbor is to work with your insurance company. Typically, your insurer will contact the other party’s insurer, and the companies will coordinate the process of repairing damaged areas or replacing items. That’s why it’s crucial to have quality condo coverage so you can protect yourself when a neighbor makes a mistake.

We’re Here to Help Protect Your Property

Contact us today at Premier Insurance Agency if you live in the Detroit, MI, area and are looking for a condo insurance policy. Regardless of your relationship with your neighbors, you still need a high-quality policy you can trust for protection. Our agents are here to help you find coverage that suits your needs and gives you confidence in your living space.

How Umbrella Insurance Complements Home and Auto Insurance in Detroit, MI

Posted on by admin

Protecting your financial assets and investments in Detroit, MI, is much easier when considering umbrella insurance policy solutions. While traditional standalone home, life, and auto insurance provide adequate coverage in most cases, significant liability claims may still be denied. For those seeking a safety net to protect their valuables and assets, umbrella insurance can complement both home and auto insurance policies in Detroit.

Understanding Umbrella Insurance

Umbrella insurance is an additional policy that offers extended liability coverage for those who have exhausted existing auto or home insurance limits. Umbrella insurance can also help cover various claims that are not typically covered by traditional home, life, auto, or renters insurance policies. Scenarios where umbrella insurance may be beneficial can include slander, libel, and even false arrests. While these occasions are less common, umbrella insurance can provide solace and peace of mind when dealing with litigation, fines, and your personal record.

Key Benefits:

  • Peace of Mind: Protect yourself and your investments while retaining peace of mind.
  • Litigation Risks: Detroit, being a metropolitan location, has a higher litigation risk, increasing the likelihood of incidents and potential accidents. Umbrella insurance protects you from a variety of scenarios.

How Umbrella Insurance Complements Home and Auto Insurance

For drivers in Detroit, umbrella insurance can complement auto and home insurance policies in the following ways:

  • Extended Coverage: Extend liability coverage to cover costs exceeding insurance policy limits.
  • Broader Protection: Umbrella insurance can provide protection when traveling internationally while assisting with claims involving accidents or even defamation.

The more familiar you are with the benefits of umbrella insurance, the easier it will be for you to determine if you and your household require an additional layer of protection. To learn more about umbrella insurance options in Detroit, MI, contact Premier Insurance Agency today for your consultation.

How to Protect Your Car From Damage Caused By Winter Weather When Parking Your Car Outside

Posted on by admin

Here at Premier Insurance Agency, serving the greater Detroit, MI area, we often see damage to automobiles caused by winter weather. Ideally, it would be best if you were parking your car under a covered structure, such as a carport or a garage, to help protect your vehicle. But not everyone can do so. Here are some tips on protecting your car from damage caused by winter weather when parking your car outside.

Use a Car Cover

Get a strong, waterproof cover for your car. It protects against snow, ice, and rain, keeping your car dry and safe from scratches.

Wax Your Car

Apply a layer of wax on your car before winter starts. Wax helps stop salt and water from damaging the paint. It also prevents rust.

Take Care of the Battery

Cold weather can weaken your car’s battery. Start your car regularly or use a battery charger to keep it from dying.

Cover the Windshield

Place a cover or thick towel over your windshield to prevent ice from forming. Lift the wipers so they don’t freeze to the glass.

Prevent Locks from Freezing

Spray door locks and hinges with silicone spray to keep them from freezing. This helps you avoid getting stuck outside your car.

Choose the Right Parking Spot

Avoid parking under trees to prevent falling branches. Find a spot with some protection from the wind to avoid big piles of snow around your car.

Contact Us Today

The right auto insurance is important in case your automobile is damaged in the weather. Here at Premier Insurance Agency, serving the greater Detroit, MI region, we can help you ensure your car is covered. Reach out to us today to learn more.

Why You Need Commercial Insurance as a Contractor

Posted on by admin

As a contractor, you may not see much need for commercial insurance, especially if you’re starting out. However, it would be best to consider investing sooner rather than later to protect your business. Below are reasons why you should consider getting commercial insurance as a contractor.

Build Your Reputation

As a contractor, competing with others in the area is challenging. If you’re working for yourself and have insurance, you seem more reputable to customers. It makes you stand out from others who can’t say they are insured, and you’re more likely to get the job. This shows that you’ll stand by your work and take responsibility for something that is your error should it happen on customer property or while you’re traveling.

Protect Your Employees

When you have people coming to work with you, they need to be protected, and commercial insurance gives them that coverage in the event of an accident. Some of these policies, like worker’s compensation, are required. Still, you can go a step further with commercial liability and get full protection if you’re taken to court because of an employee.

Save Money

Also, if you have commercial insurance and something happens on your customer’s property, you can use it to cover these expenses. This allows you to make a claim and save money from your business, as you would otherwise be held liable out of your own pocket. With a commercial insurance policy, you could save your business and not have to choose between your business and other things in your life.

You should invest in yourself and your contracting business when you have the opportunity. If you aren’t sure what commercial insurance you need, contact Premier Insurance Agency today to speak with a team member. We proudly serve Detroit, MI, and our business owners in surrounding areas.

Who’s Insured When They Drive Your Car?

Posted on by admin

A question we often get at Premier Insurance Agency in Detroit, MI, where we serve customers from all over the state, is, "Am I covered when someone borrows my car and has an accident?"

In Michigan, someone who drives your car is covered by your insurance when they have your permission, they have a valid Michigan driver’s license, and they meet two other requirements:

  • They own a vehicle that is registered and insured in Michigan and
  • They aren’t excluded from your policy.

They are also covered if they have their own coverage for driving any car.

Exceptions to the Rule

Unfortunately, there are some situations where your insurance may not cover the accident, including:

  • The driver borrowed your car without permission.
  • Another driver caused the accident (because Michigan is a no-fault state).
  • The guest driver lives in a state other than Michigan and does not own a car that is registered in Michigan.

If the person driving your car has insurance, they must file a claim with their own insurance. If they don’t have no-fault insurance, they can submit a claim with a relative’s auto insurance company.

What’s the Bottom Line?

All Michigan drivers need no-fault auto coverage. It is always best to lend your car only to people who drive in Michigan or another no-fault state, or at least live in Michigan with another insured driver, or better yet, to friends who have auto insurance. This also applies to lending your Michigan car outside the state. Rental vehicles will be insured when you check them out of the rental agency.

Insurance can be complicated. At Premier Insurance Agency in Detroit, MI, we have the answers to all of your questions about Michigan auto insurance. Call us today!

How Does Classic Car Insurance Differ From Traditional Auto Insurance?

Posted on by admin

Commercial Cyber Insurance: Protecting Your Business from Cyber Risks

In today’s digital age, few businesses operate entirely without computers. They’re vital for advertising, customer interaction, and managing orders. While computers simplify and enhance many business processes, they also expose businesses to cybercrime. Plus, companies can become potential cybercrime victims through the computer usage of suppliers, customers, and others. If you operate in or around Lakewood, CO, and are looking into protecting your business from the potential financial impacts of cybercrime, feel free to contact us at Premier Group Insurance.

The Fundamentals of Commercial Cyber Insurance

Commercial cybercrime occurs when an individual steals data or hinders a business from fully utilizing its computers and information. Companies that connect to the internet and store information in the cloud are subject to such criminal activities.

Cybercrime activities can cause businesses financial damage, among other consequences. Therefore, it’s pivotal for your business to ensure cyber insurance coverage to safeguard against all three types of risks.

First-party damage from cybercrime arises when an attack compels you to allocate resources to investigate the attack and inform customers or others about how they may have been affected. In addition to these direct business costs, you may also have to make ransomware payments or lose revenue due to an attack.

Secondly, cyberattacks can result in third-party liability, which happens when an attack on your company harms others, causing them to incur losses. Cyber insurance covers such losses and associated expenses.

Lastly, firms offering technology-based products and others must protect themselves against faults, errors, and omissions in their products or services that prompt others to suffer losses.

Engaging with Premier Group Insurance

Premier Group Insurance caters to the business and personal insurance needs of many in the Lakewood, CO, area. Call us today at (303) 233-7878 to discuss your commercial or other insurance needs.