RV and auto insurance are two different things. Many auto insurance providers in Detroit, MI who cover your everyday vehicles will also offer coverage for your RV, but they might not always be offering coverage as good as what you could get from a specialty insurance provider. Unlike with many types of vehicles, you don’t need to go through a specialty insurer, though. So of course, Premier Insurance Agency will look through all of the insurance providers who offer RV insurance and will match you to the best deal, whether or not that happens to be a provider that specializes in RV coverage.

Even among RV’s, there are two different types of coverage available, campers and RV’s. These are two different classes of insurance because they’re two very different things. A camper can be a trailer with no actual motor in it while an RV is an actual vehicle. What they have in common is that neither are just regular vehicles, and their insurance needs are comparable to home insurance. You’re not just protecting the auto. You’re protecting what’s in it. For many, an RV is like a home away from home, and they may have the same sentimental attachment to it as they do their stationary home.

If an insurance company specializes in RV coverage, then there is a good chance that they will have a better understanding of what you need and what RV owners expect from their providers, but this might not always be the case. Finding the right insurer in Detroit, MI is like finding the right job: There’s no objective best, just the best for your needs.

Premier Insurance Agency looks at all the options to get you the best plan. Reach out to our offices to speak with an agent and get started on an RV insurance policy.

If you have car insurance and are wondering whether to get motorcycle insurance, it’s important to consider all the factors before deciding on your coverage. First, let’s talk about the basic coverage required by law. You’ll also want to scan through the optional coverage available to bikers in Detroit, MI. Contact your Premier Insurance Agency representative with follow up questions on all your insurance needs.

Basic Motorcycle Coverage

The following coverage is required by state law for motorcycle operators:

• Bodily injury pays for injuries to other parties when you cause an accident.
• Property damage covers damages to another person’s vehicle when you cause an accident.

Optional Coverage 

If you ride your motorcycle during peak traffic times or ride your bike on a daily basis, you increase your risk of an accident. In this case, talk to your agent regarding additional coverage that might work for you, including:

• Personal injury protection covers medical costs for you or a passenger injured in an accident.
• Collision coverage pays for damage to your motorcycle.
• Comprehensive coverage helps you cover expenses when your vehicle sustains damages unrelated to an accident, such as flooding or vandalism.

Custom Parts Insurance

If you have spent a lot of time and money tricking out your ride, protect your investment with specialty insurance on any custom parts and equipment.

Transport Trailer Damage Policy

If you take your bike with you on vacation, you might consider insuring the transport trailer. You can get insurance for your ride and trailer that pays for damages during an accident that happens in transit.

Call Premier Insurance Agency in Detroit, MI today for advice on motorcycle coverage and to set up an appointment for a quote.

In some situations, your home insurance policy will cover a boat you own; however, much of the time, boat insurance within home insurance does not go far enough. Coverage is often limited in amount and may not cover you for exactly what you need.

When Do You Need Boat Insurance?

If you feel your canoe or small-engine boat requires coverage because of its value or preciousness, then, by all means, ensure you are protected. On the other hand, those who most need boat insurance are those who have the following types of boats:

• Jet boats
• Yachts
• Large sailboats
• Anything that will go faster than 25 mph
• Personal watercraft (WaveRunners)

What Will boat Insurance Cover?

All boat insurance policies are different, so be sure to speak directly with an agent to know what your policy covers specifically. For the most part, however, boat insurance will cover:

• Damage to permanently attached boat equipment
• Destruction or damage from theft or vandalism
• Destruction or damage from collision
• Destruction or damage from fire
• Injury liability and property damage liability
• Medical payments for you and your passengers

Cost of Boat Insurance

Based on what you’d like to be covered, the cost of your boat insurance premiums will naturally vary. However, you can get discounts in some cases. Most of the time, insurance companies will offer these ways to save money on your boat insurance:

• Not having made previous claims on your boat insurance
• Safety course training
• Bundling insurance with the same company (having other policies for home, car, etc.)
• Owning a boat powered by diesel

Need Boat Insurance in Detroit, MI? Contact Premier Insurance Agency Today!

Premier Insurance Agency is proud to serve the residents of Detroit, MI and can undoubtedly help you find an insurance policy with the coverage you’ve been trying to find.

Stop by our nearest office location or feel free to give us a call to learn more about your options!

If you have a home or other large assets, an umbrella insurance policy can help you protect them. Don’t let a major lawsuit or unforeseeable tragedy threaten your family’s way of life. Keep reading to learn more about how umbrella insurance works and feel free to reach out to your Premier Insurance Agency in Detroit, MI for more information.

Umbrella Insurance

Most insurance only covers one thing. However, umbrella insurance is an additional coverage over and above your primary auto, home, or other policies. So, your regular policy continues to cover theft and damage. Your auto insurance provides liability protection in the event of an accident. An umbrella policy is there to cover costs that exceed your regular policy. This protects you against losing your car, boat, RV, and other valuable assets.

What’s Covered

• Bodily Injury. Umbrella insurance kicks in once your regular insurance limit is exceeded. For example, if someone is disabled and can no longer work after an accident you cause, umbrella insurance has you covered.
• Property Damage. For example, if you cause a multi-car crash, the damages may exceed the limit of your auto insurance policy. Then, umbrella insurance would pay up to the additional coverage you’ve purchased.
• Legal Fees. Umbrella insurance covers your legal fees and court costs in case of a judgment against you.
• Other Protection. Covers you against lawsuits for libel, slander, and other lawsuits.

Contact Us

Don’t let one accident or lawsuit put your home or savings at risk. Contact your Premier Insurance Agency representative in Detroit, MI to find out how umbrella insurance can help you protect your family against losses above your regular coverage amounts. Feel free to set up an appointment today to review your coverage and to receive a quote.

Condo ownership is, in many ways, much trickier than a typical homeowner situation, even when you take the homeowner association into account. When you are part of a condo association, there is a co-ownership arrangement in place. A homeowner owns their home, but also has responsibilities and obligations to the HOA. But, the property is one hundred percent theirs. With a condo association, ownership is shared on connected units, carports, swimming pools and so on.

In Detroit, MI condos are a great way to own a home without buying a house and dealing with the complications that go along with that. But it can be confusing to deal with the insurance issues faced by condo owners when you call Premier Insurance Agency and they ask what you need covered. Essentially it comes down to this: The condo association is responsible for the building, and the fees that you pay for membership in that association cover the building itself. The insurance policy that you buy on your own covers everything inside your unit. This means that if there is, say, a burglary, then the condo association’s insurance fixes the window, but your policy covers the stolen Blu-ray player.

There are other specifics that vary from association to association, but generally speaking, this is what it comes down to. Inside = your responsibility, outside = their responsibility. Simple enough, right? The good news is that this means that your responsibility is much smaller when you call Premier Insurance Agency than it would be if you were a conventional homeowner. For all the complications condo ownership brings with it, some parts are actually simpler.