When shopping for insurance, be aware that the coverage won’t protect you from every risk. Most policies have an "exclusion" section where certain dangers are noted. For example, if your RV has a lift kit, you may need to purchase additional insurance. For professional help, call Premier Insurance Agency, a firm serving in Detroit, MI. 

Things To Note About RV Insurance 

Shop around and compare RV insurance rates before buying. Keep track of your monthly spending, and re-evaluate your insurance needs yearly. Most RV insurance providers offer a discount if you install a security system. You may be able to qualify for lower rates if you drive less often or make certain upgrades to your RV. 

Not all policies are created equal. There are some things to remember when shopping around for RV insurance, such as the length of your policy. Most RV insurance policies are written for a term of one year. However, if you’re buying RV insurance for your new or used RV, you might be able to find a policy that offers a long term, like two or three years. 

Collision coverage is for accidental damage to your RV, and liability coverage is for damage you cause to other people’s property. Keep in mind that if you’re buying RV insurance for a brand-new RV, collision, and liability are usually included in the policy’s price. 

RV insurance covers you and your family from property damage that you caused to someone. It can cover uninsured persons or if you or someone in your RV is injured in an accident. 

If you don’t have RV insurance and cause damage to someone else’s property, you will be responsible for paying for the repairs. If someone in your RV is injured in an accident and you aren’t covered by insurance, you will have to pay for their medical bills. 

Final Words  

Find a policy that fits your budget and needs. Also, make sure you keep your policy up to date. If you change the information on your policy — such as discontinuing a driver’s license — you must inform the insurer. For assistance in Detroit, MI, call Premier Insurance Agency.

Premier Insurance Agency is here for all boat owners in the Detroit, MI metro area. If you want to make sure that your boat has the protection it needs, it’s time to look at the comprehensive policies available in our area. Call or stop by our office to learn more about your boat insurance options. 

Comprehensive boat insurance benefits

Having the right insurance in place allows you to enjoy your boat more. The main benefit of a comprehensive boat policy is increased liability protection. This can help to protect you both on and off the water. Liability is a serious issue when it comes to boating. This is especially true if you like to take passengers out with you or if your boating activities take place in popular areas with a lot of traffic on the water. And, if you trailer your boat to and from the water, you will also want to consider more robust liability protection.

In addition to this vital liability coverage, there are several additional features that you can expect when opting for a comprehensive policy. You can have additional medical expense coverage and collision coverage. You will want to be protected if there is damage to your boat, another boat, or someone else’s property. And once you have the safety protection you need, you can look at features such as at-sea towing coverage options. 

You can count on us!

Own a boat in the Detroit, MI area? You can turn to Premier Insurance Agency for all your boat insurance needs. We want you to have the protection you need to enjoy your vessel now and in the future. Call or stop by today!

Boat insurance may not be required in Michigan, but that doesn’t mean you should skip purchasing coverage. Whether you have a sailboat, powerboat, jet ski, or any other type of vessel, you have made a sizable investment in that purchase. Just as auto insurance protects your wallet if you are in an accident, so too does boat insurance. For a relatively modest cost, boat insurance offers invaluable peace of mind. 

Although proof of boat insurance is not required when you register your vessel, you still may be required to display valid coverage if you are using a marina to dock your boat or are financing it through a lender. Generally, a marina and private lender want proof of boat insurance to ensure that you’ll have the ability to pay for repairs to your boat.

With the popularity of boating booming, there’s also an increased likelihood of having an accident with an uninsured or underinsured operator. If this happens, you’ll be on the hook for paying all costs for repairs even if you aren’t at fault. Luckily, boat insurance protects you from this happening with uninsured and underinsured boater coverage. Additionally, boat insurance covers a plethora of incidents, including comprehensive coverage for theft or fires, collision for accidents, and liability should you be in an accident that injures or damages a third party of their property.

Bottom line: You’ll want to have boat insurance that protects your boat, passengers, and yourself from paying for unnecessary and expensive damage. For more information, reach out to Premier Insurance Agency in Detroit, MI. Our knowledgeable team of insurance professionals is ready to help.

When you want to ensure that you have the coverage you need for your home and vehicle, umbrella insurance is a good choice. If you already have home and auto policies, getting umbrella coverage is an excellent way to add to certain coverage from those policies. If you already have auto and home insurance and are interested in umbrella insurance, contact us today at Premier Insurance Agency in Detroit, MI.

More Liability Coverage

Umbrella insurance adds to the liability coverage through other insurance policies. Auto and home insurance policies each come with an amount of liability coverage. The problem is that these insurance policies often have a small amount of liability coverage. This can make you liable for large medical bills after a severe accident that causes injuries. People can change their auto and home policies directly so that each has more liability coverage. However, this is a costly option. It is much more cost-effective to get extra liability coverage from an umbrella policy. 

How Umbrella Insurance Works

Your liability coverage in your home and auto policies pay for the medical bills and other expenses of someone injured in an accident judged to be your fault. This can happen in your home or with your vehicle. Your auto or home policy will pay for the expenses and medical bills, but only until it reaches the policy’s payout maximum. After that, your umbrella policy will kick in to pay what is leftover so that you won’t have to. This can save you from paying thousands in overages that could be due after your home or auto policy pays out. 

Get Umbrella Insurance

If you want umbrella insurance to keep you better protected, call us at Premier Insurance Agency in Detroit, MI.

Having a classic car is not just having a vehicle that can be driven – it is having a car that can appreciate. A classic car is an investment, and this investment needs protection. The best and most efficient way to protect your precious classic vehicle is to get classic car insurance. If you want to know more about this type of insurance, Premier Insurance Agency serving clients in Detroit, MI prepared a list of benefits of classic car insurance:

 Benefits of Classic Car Insurance

Here is a list of advantages of having classic car insurance:

• It protects value. Classic car insurance helps preserve the value of the vehicle. Having insurance allows to protect the unique value that comes with most classic cars. 
• Liability coverage. This type of insurance provides a classic car owner with liability coverage. It ensures that a car owner complies with state laws and is covered if they are at fault in a road accident. 
• Classic car insurance is affordable. Since most classic vehicles are not driven too often, classic car insurance is not expensive and much more affordable than insurance of new vehicles or second-hand models.
• Roadside assistance. Classic car insurance also comes with roadside assistance that includes flatbed towing and other services. 

Premier Insurance Agency – An Insurance Agency You Can Trust

If you own a classic vehicle, proper insurance is important because it protects your car and you as a car owner. If you live in Detroit, MI or any other surrounding area, and you are thinking of getting classic car insurance, feel free to contact Premier Insurance Agency.  Our experienced and knowledgeable insurance agents will answer your questions and help you find a policy you need. 

Premier Insurance Agency serves the Detroit, MI area. We pride ourselves on serving our clients with integrity. We use an ethical approach to help our clients find the policies they need to manage risks and protect their assets. We look forward to establishing a long-term relationship with you.

Why Storage Coverage Should Not Be Overlooked While Researching Recreational Insurance

Operating a recreational vehicle comes with a lot of risks. One minor accident can cause a major injury. Recreational insurance protects you as you navigate the possibility of an injury or accidentally damaging someone else’s property. If you have any passengers on your vehicle, liability insurance also covers you if they suffer an injury. If you plan to customize your recreational vehicle, you need to add extra coverage in order to fully protect this if something happens to them.

Think about the offseason as well. There are going to be periods where you are not operating your vehicle, and you have it parked or in storage. Maybe that’s during the spring or the harsh winters in Detroit, MI. Regardless; you can add storage coverage to your recreational insurance policy to cover you if an unexpected issue arises. A flying object can cause a crack or dent on your vehicle. An accidental fire could start. Severe weather moving through the area could cause a tree to fall over and destroy your vehicle. Storage coverage protects your vehicle in all of these situations. If you don’t have storage coverage, you risk being left unprotected if an unlikely situation occurs.

Premier Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about recreational insurance.

When out on the road, motorhomes face many risks, many of which can be minimized. These risks include being robbed, having your motorhome stolen, or getting into an accident. However, there are several things Detroit, MI motorhome owners can do to reduce their risks while out on the open road and keep themselves and their loved ones safe. These risk reduction tips are explained below. 

To learn how the below risks affect your motorhome insurance, give us a call at Premier Insurance Agency. 

Risk of Theft

While out on the road, you are at risk of being robbed or a burglar breaking into your motorhome. To reduce this risk, install an anti-theft system or alarm. Other ways to reduce the risk of theft are to keep your doors locked and put away anything that may attract a burglar’s attention. Finally, park your motorhome in protected or well-lit areas for added protection. 

Driving Risks

While driving, there are some risks you may encounter in your motorhome, including hazards on the road. To reduce these risks while driving, do the following before getting behind the wheel: 

• Check headlights and taillights
• Check tire pressure
• Clean all windows
• Ensure mirrors are secure
• Secure cabinets inside the motorhome
• Verify height and drive accordingly
• Check safety and emergency equipment

Before heading out on the open road, take your motorhome in for an inspection in Detroit, MI. Have the mechanic check the brakes and look for any potential mechanical problems. 

To completely protect your motorhome, you need to purchase specifically designed insurance. Our agents at Premier Insurance Agency can provide you with information about motorhome insurance and help you buy a policy that fits your needs. 

The Detroit, MI area can be a fun place for someone to live. Not only are there are a lot of great activities available within the city, but there are some amazing parks and recreational areas to enjoy within a reasonable drive. To ensure you can enjoy the state and area as much as possible, getting an RV will be a good idea. Along with this, you need to get an RV insurance plan. This is needed by people for a few reasons. 

Coverage is a Legal Requirement

A reason to have RV insurance is that it is a legal requirement. As you are looking to drive any vehicle in Michigan, you will need to comply with the state’s requirements surrounding liability insurance. Drivers of any type of vehicle need to carry liability insurance and will be in violation of state law if they do not have coverage. 

Coverage Protects RV

You should also get a full RV insurance plan to properly protect your RV. The RV that you purchase will be a big investment that you will want to be able to use for a long time. You can help ensure that you will continue to have access to an RV if you have the right insurance. This coverage will offer support if the RV is stolen or damaged through an accident. 

Getting RV insurance in the Detroit, MI area should be considered a top necessity for anyone. Those that would like to get this type of coverage in the state should spend time working with the Premier Insurance Agency. As you are looking to work with the Premier Insurance Agency, you will find they can answer all of your questions and will offer great guidance that can help you choose a new plan. 

If you live in Detroit, MI, having a motorcycle is very important. You will have an opportunity to use your bike to avoid traffic and commute to work with ease. You can also use your bike to have fun on weekends out as you ride with your friends in the neighborhood. However, according to Premier Insurance Agency, you must have motorcycle insurance in Michigan. 

Liability Motorcycle Insurance

In Michigan, the law requires that you have motorcycle insurance to cover the likelihood of the liabilities that will occur in a motorcycle crash. The insurance coverage will help in covering bodily injuries, death of persons involved, and damages to various properties.

Just like any other insurance, your motorcycle insurance policy will come into play if you’re at fault. However, if you didn’t cause the accident, you will not be required to pay any insurance expenses, and the other party can be forced to pay you instead. 

Motorcycle Insurance Penalties

As highlighted above, you must make sure that you have motorcycle insurance to cover the liabilities that you’re likely to cause on the road. The government enforces this law to have the funds to cater to the liabilities they have already caused.

However, there are people who have been driving in this region without motorcycle insurance. This is a very sensitive trend because it can easily cause you to incur some extreme financial penalties. You can also go to prison for misdemeanor and ignoring motorcycle insurance laws. 

Are You Looking for Motorcycle Insurance in Michigan?

If you have not purchased your motorcycle in Detroit, MI, it is very important that you get the necessary motorcycle insurance to avoid being on the wrong side of the law. At Premier Insurance Agency, we will help you in getting a motorcycle insurance policy that meets your cycling needs.