Agency Advantage Insurance assists the West Bloomfield, MI community by offering residents insurance policies that will help them enjoy a comfortable life. We provide our clients with a wide array of insurance policies to help them make an educated choice regarding their future.

Umbrella Insurance

Umbrella insurance provides extra protection when you need it most. The policy is beneficial if you are held liable in a potentially serious situation. Umbrella insurance can cover any gaps left behind in your home or auto insurance policy. While you are researching different policies, here are some facts to consider.

Extra Vehicles May Be Covered

In addition to your primary vehicle, you can amend your umbrella insurance policy to cover any alternative vehicles that you have. You can add coverage to your boat or motorcycle.

The Policy Covers You Away From Home

If you are planning to go on vacation, having an umbrella insurance policy will help alleviate some stress. In the event that you are involved in an accident while you’re on vacation, you’ll still be covered.

The Policy Covers You While You’re Online

If you are involved in a disagreement online and things start getting serious, your umbrella insurance policy will cover you. If the person that you were chatting with alleges that you made slanderous statements against them, the extra layer of protection will help you.

Umbrella Insurance Can Help Secure Your Future

It only takes one accident to derail your goals and dreams for the future. However, umbrella insurance allows you to have a safety net so that you can stay on track regarding the goals that you want to accomplish.

Agency Advantage Insurance Will Assist You

As an independent agency, we consult with several different carriers to make sure that our clients receive coverage that fits their needs. Stop by our office in West Bloomfield, MI today so that we can help you.  

When it comes to choosing a health insurance plan, many people get overwhelmed. So much information and so little direction to help you make the right choice. Having an insurance agent you can trust goes a long way in making the decision less stressful. At Agency Advantage Insurance in West Bloomfield, MI we are an independent agency and can offer our clients more choices. We represent many different carriers making it easier for us to find the perfect match for our clients. 

Before you decide on your health insurance coverage you need to make sure that you understand terms that are used routinely to describe the plans. 

Network

Every insurance company negotiates with providers to get the best possible deal for their customers while making sure that they have access to quality health care. You need to examine the network to make sure your preferred doctors, dentists and hospitals are in the insurance company’s network. The carrier should provide you with access to a provider directory. 

Formulary

This is the drug list that tells you if any drugs you take are covered and what tier they fall into. Each tier has a different co-pay and some may also have deductibles. Both brand name and generic drugs are included. 

Maximum out of pocket

The maximum out of pocket is the dollar amount that you personally have to pay. Once you have paid this amount, you won’t have to pay any additional fees.  

Choosing the right health coverage is one of the most important decisions you make every year. You want to be able to afford the policy and have the coverage you need to allow you to get quality health care. At Agency Advantage Insurance in West Bloomfield, MI we understand your concerns and we will work with you to get the coverage you want and need. Give us a call or stop by our office for a no-obligation quote. 

As a biker in West Bloomfield, MI, it’s important that you have a good motorcycle insurance policy that will meet state requirements and protect you financially. At Agency Advantage Insurance, we offer motorcycle insurance policies that protect motorcyclists financially. 

The following are three things you should know about motorcycle insurance if you’re on the market for the right policy in Michigan.

Liability coverage for motorcyclists is often less expensive than auto insurance.

You’ll be happy to know that basic liability coverage for a motorcycle is generally cheaper than liability coverage for an automobile. This is because a motorcycle can generally be expected to do less damage than a motorcycle would. 

This is good news for bikers because liability coverage is legally required in almost every state. 

There are numerous discounts you might be able to take advantage of for your motorcycle coverage. 

When you’re on the market for a motorcycle insurance policy, you should look out for discounts. You can qualify for discounts in a lot of ways. Some insurance providers give discounts based on your rider history. Others offer discounts if you bundle numerous policies with them or even if you are a homeowner. 

It’s a good idea to invest in more than liability coverage alone.

States don’t usually require more than basic liability coverage. However, it’s still a good idea to invest in more coverage. Invest in collision coverage so that any damage to your bike is covered in the event of an accident. You also might want to invest more in coverage of medical bills in the event of an accident. This could really protect you financially down the road if you experience a severe accident. 

If you’d like to learn more about motorcycle insurance in West Bloomfield, MI, get in touch with us at Agency Advantage Insurance.  

 

 

 

There are farms all over the country, and they are an integral part of everyday life for most people because they provide products that are necessary for providing the things we rely on. Those who own farms know that the equipment and workers on those farms are what keeps them running, which is why it is vital to have a complete blanket of protection for equipment, structures, and workers. However, in some instances, there may be a higher liability risk, which is where umbrella insurance may prove helpful. 

Do Farms Need Umbrella Insurance Coverage?

There may be some instances where having umbrella coverage for a farm may be an excellent idea. For example, if a working farm hosts tours or have seasonal public activities, there may be a higher liability risk. In addition, if there are hazardous machines and equipment used by many workers, there may also be the need for additional liability coverage on the premises. Speak with a skilled and knowledgeable insurance agent before selecting farm or commercial insurance to determine if additional umbrella insurance coverage is recommended. 

One on One Services

The best way to protect any business from liability threats is to work with an insurance agency that has agents who can identify potential risks and recommend solutions that fit the individual situation. Anyone interested in umbrella insurance coverage in the West Bloomfield, MI area should consult with Agency Advantage Insurance to find out more about the available options and how to protect their interests with quality insurance products. 

Don’t risk having less than adequate insurance coverage. Work with Agency Advantage Insurance, serving West Bloomfield, MI, to learn more about how to protect the things that matter. 

 

As the cooler temperatures arrive, getting sick is back in season, and there are several vaccines you can get to prevent a severe illness this year. Our team at Agency Advantage Insurance wants our customers in West Bloomfield, MI and other areas to know what is available for them. 

Influenza Vaccines

Maybe the most popular vaccine during the cooler parts of the year, the influenza vaccine is suitable for one year and is designed to fight several strains of the dangerous and potentially fatal Influenza or Flu. Because this illness can be spread so quickly, it is easy to get others you care for sick with the flu if you have not been vaccinated. 

Tdap and Booster

Many adults may not have had an initial Tdap vaccine. Once you have the initial immunization, you should follow up with a booster in 10 years. If you have not had this vaccine, there is no time like the present to prevent illnesses such as tetanus and pertussis. 

MMR

For those who were born after 1957, getting an MMR vaccine prevents several illnesses that are starting to spread thanks to global traveling, mumps, measles, and rubella. With so many travelers and immigrants coming to the state of Michigan, it is critical for those who may have missed this vaccine early in their childhood to go back and get it now. 

Make the Right Choice With Health Insurance

When you purchase an individual health insurance policy, you are able to properly vaccinate and get the coverage you need against these dangerous illnesses. Health insurance allows you to secure your health in West Bloomfield, MI. If you do not have health care coverage and would like to talk to someone about a policy, call our agents at Agency Advantage Insurance today. 

 

Have you been thinking about getting an umbrella policy? Have you been asking yourself, why do I need an umbrella policy? If either of these is correct or if you’re just curious about what an umbrella policy is and what it does, then hopefully, you will find your answer here. If you live in West Bloomfield, MI, or the surrounding area, you can turn to the staff at Agency Advantage Insurance to provide the guidance that you need to make an educated decision. 

An umbrella policy is an excess liability policy that can be used to help you in case you are sued. In order to buy an umbrella policy, you must already have an auto, business liability, home, or boat insurance policy. It is additional coverage; it can only be in addition to a policy you already have. Most basic liability policies have adequate limits, but you should consider the amount of money that is awarded in judgments these days. It could mean that you might exceed the maximum on your policy. 

If you have any assets or if you have a lot of assets, you could be in danger of losing them. If you do not have enough assets to pay a judgment against you, your future earnings and assets could be garnished. If you have an umbrella policy, it will kick in when you have reached the maximum of your original policy. This can protect your current and future assets. Considering that an umbrella policy is very affordable, not having one is something that can leave you devastated. 

Why not give Agency Advantage Insurance a call to discuss why you need an umbrella policy. We are here to help the residents of West Bloomfield, MI, and those throughout the state. Give our office a call or stop by for a discussion of your personal needs.