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What You Need to Know About Motorcycle Insurance from Agency Advantage Insurance

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Riding a motorcycle offers a sense of freedom and exhilaration like no other mode of transportation. However, with this thrilling experience comes the responsibility of ensuring your safety and financial protection on the road. At Agency Advantage in West Bloomfield, MI, we can equip you with the knowledge to navigate the complexities of coverage options, limitations, and legal requirements. Whether you’re a seasoned rider or contemplating your first ride, understanding what lies beneath the surface of motorcycle insurance is essential for safeguarding yourself and your prized machine on every journey.

Important Things to Know About Motorcycle Insurance

When it comes to motorcycle insurance, riders should be aware of the various coverage options available beyond just liability. Comprehensive and collision coverage can protect your bike against damage from theft, natural disasters, or accidents. Additionally, uninsured/underinsured motorist coverage is crucial in case you’re involved in an accident with someone with insufficient insurance or none.

Understanding how your driving record and the type of bike you own can affect your insurance premiums is vital for budgeting effectively. Factors such as mileage driven annually and where you store your motorcycle can also significantly impact rates. Riders should always review their policy regularly and make adjustments based on any changes in circumstances to ensure they have adequate coverage when hitting the road.

Contact Agency Advantage Insurance in West Bloomfield, MI for Motorcycle Insurance

If you need motorcycle insurance in the West Bloomfield area, contact us to talk with an insurance agent. We can help you navigate through the complexities of motorcycle insurance. Contact us today to get started. 

Can I Just Buy an Umbrella Policy?

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Umbrella policies offer a huge amount of liability coverage for a small monthly premium. When a person or business needs liability coverage as a top priority, they might want to buy only umbrella insurance from Agency Advantage Insurance. It doesn’t work that way, though. Umbrella coverage, a type of secondary insurance, requires ownership of a primary policy first. 

What Qualifies as a Primary Policy?

A policyholder must own an insurance policy that includes a liability component, such as an auto policy or homeowners insurance for their West Bloomfield, MI, home. These insurance policies qualify as primary policies. Other examples of primary policies include:

  • Boat and other watercraft insurance
  • Classic car insurance
  • Business liability insurance.

Once you’ve purchased a primary policy, an agent at Agency Advantage Insurance can help you add a secondary umbrella insurance policy. 

How Does Umbrella Coverage Work?

When an event triggers your primary policy’s liability coverage, our agency pays valid claims using it first. If the claims deplete your primary policy’s liability maximum, the umbrella policy assumes the remainder of the payments up to its policy maximum. Buying an umbrella policy usually provides enough liability protection for most individuals. West Bloomfield, MI, businesses may need larger policy maximums, but the typical umbrella policy offers 1 million dollars of coverage for just a few dollars per month in premiums.

Contact Us Today

Protect your financial security with umbrella coverage. No, we can’t sell you only an umbrella policy. We can help you properly insure your personal or business finances. Call Agency Advantage Insurance today to create your insurance package.

Five Easy Ways to Prioritize Your Family’s Health in West Bloomfield, MI

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As a resident of the close-knit West Bloomfield, MI community, you have access to excellent healthcare options, but securing your family’s health requires more than that. With help from Agency Advantage Insurance experts, you can learn how to prioritize preventative healthcare and substantial health insurance for your family.

Annual Wellness Checkups and Preventative Care

Scheduling regular health checkups and preventative services enables you to take control of your family’s health. These proactive measures aid in early detection and preventative efforts against potential health issues.

Healthy Lifestyle Adoption

Adopt healthier lifestyle habits like proper hydration, a balanced diet rich in fruits and vegetables, and daily exercise to ensure optimal health.

Utilize Preventive Care Services

Most local health insurance plans now offer preventative care coverage. These provisions allow residents to take advantage of age-specific wellness checkups, annual health screenings, immunizations, and health programs without any extra costs.

Acquire Mental Health Support

Mental and physical health are equally important. Seek comprehensive health insurance that reimburses mental health services, such as professional counseling and therapy.

Understand Your Emergency Options

Learn the immediate steps for emergency health care in urgent and non-urgent situations. Always keep a list of emergency room locations and their contact information close by.

Contact Agency Advantage Insurance in West Bloomfield, MI, and discover the best coverage for your family’s needs! Get your quote today.

Can my adult children stay on the family auto insurance policy

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Before you venture on Michigan’s roads, you must have the necessary insurance coverage. Establishing a trustworthy relationship with an independent insurance agent is a key aspect of this safeguarding process. At Agency Advantage Insurance in West Bloomfield, MI, our dedicated agents are available to answer any insurance-related queries and meet your coverage needs.

With soaring apartment rental prices, more adult children choose to reside at home after college or even if they don’t pursue further studies. Thanks to the affordability of family plans, many prefer to remain on family plans for cell phones, the internet, and car insurance.

Staying Insured While Studying Away

When your children are away at college, they can still benefit from the family policy as long as they continue to use the family home as their mailing address and return home during summer or school breaks. Thus, they remain eligible to stay on your policy as long as their permanent residential status remains unchanged.

Keeping Insured While Living and Working at Home

If your children opt to stay at home and embark on their careers, they can still be included in your family policy. This is the essence of a family policy: It encompasses not just one or two adults with teenagers but also other adults in the household. Besides making it affordable for your children, this might also cut insurance costs for you unless, of course, your children have had accidents. Under such circumstances, a comprehensive umbrella policy is recommended to ensure your assets have maximum protection.

Gear Up for Safe Rides with Insurance from Agency Advantage Insurance

When it comes to getting auto insurance, let our team at Agency Advantage Insurance in West Bloomfield, MI, guide you. Contact us by phone or through our website for a no-obligation quote.

Reach Out to us Today for your Auto Insurance Needs!

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.