Insurance

Is My Motorcycle Covered When Parked?

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Your motorcycle isn’t just vulnerable to potential hazards on the road. While most motorcycle enthusiasts purchase motorcycle insurance because it’s legally required and because they’re concerned about serious dangers that could affect them or their bikes while riding, they’re also likely aware of the various risks surrounding their motorcycles while they’re stationary. Vehicles and people could easily scratch the body, knock it over, or otherwise potentially cause significant damage to it. This raises the question: Does motorcycle insurance cover stationary bikes? Here’s what the average motorcycle insurance policy covers and what to expect when you start exploring policies with the support of us at Agency Advantage Insurance in West Bloomfield, MI.

Does Motorcycle Insurance Cover Stationary Motorcycles?

The good news? Yes! Motorcycle insurance does cover stationary motorcycles. Much like cars, motorcycles are susceptible to a wide range of issues while they’re parked. Someone could collide with your vehicle and cause irreparable damage, someone (or even natural causes) could topple it over, and it could get deeply scratched or face other damage from falling branches or extreme weather. Your motorcycle insurance policy will provide coverage should any of these incidents occur. If you’re the type to store it inside, remember that hazards exist there, too. Purchasing an insurance policy or insurance policy add-ons that cover your bike while it’s stored away can enhance your motorcycle ownership experience.

Ensure Your Motorcycle is Adequately Covered With Agency Advantage Insurance

We understand how costly it can be to repair or replace a motorcycle. The team here at Agency Advantage Insurance in West Bloomfield, MI helps you keep your bike protected by simplifying the process of shopping for motorcycle insurance policies. Compare quotes with us now, or contact us today if you have any questions!

Who Benefits From Umbrella Insurance? Should I Get It?

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If you’re a homeowner or car owner, you might have heard that umbrella insurance could benefit you. Understanding umbrella insurance and how it can protect you is crucial.

At Agency Advantage Insurance, serving West Bloomfield, MI, we can help consumers find the insurance policy that best suits their needs. If you have questions about umbrella insurance, we’re here to provide answers! We’re committed to helping you find the right policy for your requirements.

Defining Umbrella Insurance

Umbrella insurance is a unique liability insurance policy that can extend your home or car insurance coverage. It provides an extra layer of protection by exceeding the liability insurance limit offered in your home or car insurance policy.

To obtain umbrella insurance, you must first have a home, car, or watercraft insurance policy. Once you have one of these policies, the umbrella insurance policy will offer extended coverage.

Who Requires Umbrella Insurance?

If your assets exceed the liability limits on your home, auto, or watercraft insurance policy, you might benefit from umbrella insurance. Your insurance agent can assist you in determining if this type of insurance is suitable for you.

How to Determine If You Need Umbrella Insurance

The more you understand about umbrella insurance, the easier it becomes to decide whether this type of insurance is right for you. The professionals at Agency Advantage Insurance, serving West Bloomfield, MI, are here to help.

Contact us today to speak with one of our insurance professionals. We can answer your questions about umbrella insurance. We also collaborate with numerous insurance carriers to provide our customers with options. We’re here to assist you! Speak with one of our insurance professionals today to learn more.

Making the Most Out of Your Health Insurance Coverage

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At Agency Advantage Insurance, we strive to ensure that our policyholders understand the benefits of their health insurance. By choosing wisely when buying health coverage, you can ensure that your insurance covers your West Bloomfield, MI, gym membership, Weight Watchers, or Jenny Craig membership fees.

Understanding Health and Wellness Coverage

According to Fox Business, the insurance industry has recognized the value of keeping people healthy instead of paying for illnesses. Many plans now include a health and wellness section that covers premium items like gym memberships, nutritionists, health coaches, and weight loss programs. Some insurance plans also include counseling for non-medical factors that increase stress, such as finances and marital issues.

Identifying a Great Deal

As tedious as it might sound, read the policy documents when shopping for health insurance. The policy with a few more dollars in premiums each month might offer far more benefits that promote wellness. If you already have health insurance, read your policy. That’s how you’ll know whether it’s time to upgrade your health coverage, an activity that can save a person money in the long run.

Getting Assistance from Your Agent

It’s your insurance agent’s job to know what each policy offers, so meet with your agent to discuss your coverage needs. Mention any hereditary diseases or chronic issues that run in your family. This information helps your agent at Agency Advantage Insurance find the right policy for you. For instance, if diabetes runs in your family history, mention that so your agent can help you find a policy with a health and wellness component that lets you improve your health. It might include coverage for a West Bloomfield, MI, nutritionist, or meal planner.

Contact Us Today

Let us help you get the most out of your health insurance coverage. Call or email our office today for a health insurance review.

Protecting Your Classic Car Investment

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Classic cars can make for great investments, and they’re especially popular in Michigan, the home of America’s automobile manufacturing industry. If you have a classic ride, ensuring your vehicle is well-protected is important. Otherwise, it could end up damaged, reducing its value and perhaps causing personal anguish. The right classic car insurance plan will protect your investment, and you can take many other steps. If you’d like to explore car insurance policies in West Bloomfield, MI, get in touch with Agency Advantage Insurance.

Ensuring Your Investment is Safe

Firstly, you want to limit exposure to the weather, especially in Michigan, where the ware rather harsh. A garage is the best choice, but not everyone has access to one. If not, even a heavy tarp can provide some protection. UV radiation from the sun alone can cause a lot of damage, so keep your vehicle wrapped up as much as possible.

Some folks like to put a fair number of miles on their classic car. Enjoying your ride can enrich your life, but check the weather before heading out for a drive. You’ll want to avoid driving in the rain. Driving your classic car in the winter is also a bad idea. Not only could the roads be slick, but salt can do a lot of damage, especially to classic cars.

Many classic cars lack modern security systems. Steering wheel locks and other measures can help discourage criminals, however. Make sure you’re not lax about using such measures. Motion sensor lights in your driveway and around your property can also discourage criminals. Otherwise, criminals will be more likely to target your vehicle.

Of course, no matter the measures you take, you should ensure you’re adequately insured. Agency Advantage Insurance is here for you if you’re looking for classic car insurance providers serving West Bloomfield, MI.

How Different Riding Styles Affect Your Insurance Coverage: Touring vs Sport vs Cruiser

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When it comes to motorcycle insurance, understanding how your riding style influences your coverage is crucial. At Agency Advantage Insurance in West Bloomfield, MI, we’re here to guide you through the nuances of insuring different types of bikes—whether you’re touring the countryside, speeding on a sports bike, or cruising down the boulevard.

Touring Bikes: The Long-Haul Companion

Touring motorcycles are built for comfort and long-distance travel. They’re often equipped with advanced safety features and larger frames, which can lead to lower insurance premiums due to their stability and the typically cautious nature of their riders. However, the increased value of these bikes might require higher coverage limits to protect your investment fully.

Sport Bikes: Speed and Agility

Sport bikes are designed for speed and performance. While they offer thrilling rides, they also come with higher insurance premiums due to their increased risk of accidents and theft. Riders tend to be younger and more adventurous, which can also affect rates. Considering comprehensive coverage to protect against potential damages or losses is essential.

Cruisers: Style and Relaxation

Cruisers, known for their classic designs and relaxed riding style, often fall between touring and sport bikes regarding insurance costs. These bikes are generally cheaper to insure than sport bikes but might have higher premiums than touring models. The leisurely pace and mature rider demographic usually translate to fewer claims, benefiting your insurance rates.

Call Us For a Motorcycle Insurance Estimate Today

Choosing the right motorcycle and understanding its impact on your insurance is vital. At Agency Advantage Insurance in West Bloomfield, MI, we specialize in tailoring policies to fit your unique riding style. Contact us today to ensure you’re fully covered.

What is covered by an Umbrella policy?

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An Umbrella insurance policy will cover you if you are liable for considerable damage beyond what most insurance policies will cover. For instance, if someone is injured on your property, you could be liable for medical bills and other costs that could reach millions of dollars. A slip and fall could wipe out your retirement savings. Contact Agency Advantage Insurance in West Bloomfield, MI to get a complete rundown of what an umbrella policy would cover.

Understanding Umbrella Insurance

A slip and fall is perhaps the most common reason people get sued, but there could be many other situations where you could be sued and be held liable for millions of dollars. An Umbrella policy will cover basically anything that causes significant harm to different people.

There are policies for businesses and individuals. General and professional liability are covered. Worker’s Comp, business interruptions, and cyberattacks are just a few things a business policy would cover. Landlord liability is another business-related situation where an umbrella policy could be needed.

Legal fees can also be covered under such a policy if you are taken to court. Slander and Libel cases could also result in big damages and an umbrella policy would protect you there. Automobile accidents are another big area where you could suffer significant losses if you are held liable for a serious accident.

An umbrella policy covers you if you are held liable for just about anything and is beyond regular insurance’s limits. The policies are not very expensive because they are rarely needed. If you have significant assets, it is an excellent idea to protect them with an umbrella insurance policy.

Visit or call the Agency Advantage Insurance agency today in West Bloomfield, MI, to get all your questions answered about liability coverage and a possible umbrella policy to ensure you have the protection you need.

How is Classic Car Insurance Different than Traditional Insurance? Agency Advantage Insurance

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Many enthusiasts hold a special place in their hearts for classic cars, which serve as timeless symbols of automotive history and craftsmanship. However, owning and insuring a classic car comes with its own set of unique considerations that set it apart from traditional auto insurance. At Agency Advantage Insurance in West Bloomfield MI, we provide auto insurance for classic cars. Continue reading to learn more.

How Does Classic Car Insurance Differ from Traditional Auto Insurance?

Classic car insurance differs from traditional auto insurance in several key ways. Unlike traditional policies that consider a vehicle’s current market value, classic car insurance takes into account the collectible or sentimental value of the vintage vehicle. This specialized coverage is designed to protect against risks unique to classic cars, such as appreciation in value over time and the higher costs associated with repairs and restoration.

Additionally, classic car insurance often comes with agreed or guaranteed value coverage options, which means that in the event of a total loss, you receive an agreed-upon sum without depreciation. Traditional auto insurance typically follows actual cash value (ACV) guidelines, which could result in lower payouts for older vehicles. Finally, classic car policies may have mileage restrictions or require owners to store their vehicles in secure garages when not in use to qualify for coverage, reflecting how these special cars are preserved and protected by enthusiasts.

Contact Agency Advantage Insurance in West Bloomfield MI for Classic Car Insurance

Contact the professionals at Agency Advantage Insurance to have peace of mind knowing your classic car is protected. We specialize in creating affordable and quality insurance policies for classic cars. Contact us today to speak with an agent and learn more about coverage and options for your classic car. 

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.