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Auto, Homeowners, Business
Medical & Life Insurance

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Understanding Ice Damns, Do You Have the Right Coverage?

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Understanding the Ice Damn

Making sure your home and property are protected is a safety net for your home when nature takes it toll. And if you live in Michigan, you know what to expect however, being prepared for the unexpected is the key.

Ice dams form when the snow melts on an upper, warmer part of a roof. The melted water then runs down toward the colder eave overhang, where it freezes. As the ice accumulates, it forms a blockage that prevents the snow to melt and flow off the roof.

The ice begins to back up under the roof shingles, where it melts again, soaking the roof sheathing. There, it soaks the insulation (rendering it much less effective) and can leak through the ceiling drywall below and into living space. In addition, large ice dams can be very heavy and can damage gutters and even present a safety hazard to people below.

There are measures you can take to help prevent ice damns from damaging your home and property.

However, in the case that damage does occur your homeowner’s policy should help protect you from costly repairs.

Do you have the coverage you need for your home and personal property? Complete Insurance Services in Keego Harbor can help. Our Personal Lines Department writes a full range of coverages for Michigan residents. We represent many excellent insurance companies that offer a variety of products to meet your individual requirements.

Michigan winters can be rough on a home, make sure you are protected with the right Homeowners Insurance. Whether you need homeowners’ insurance, auto insurance, life insurance, medical insurance, or business insurance coverage, there is a plan for everyone. Call and speak with an agent today for a Free No Obligation Quote for!

Homeowners Policy Debris Removal Coverage’s

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Somewhere in your Homeowners Policy is an important coverage called Debris Removal. The coverage I am speaking of is for removal of trees which have fallen onto the premise without hitting the home.

On all Homeowners policies there is a special sub limit of coverage that you need to be aware of.

In reviewing some of my insurance carriers, I have found that most will provide coverage up to a least $500.00. One carrier will increase this limit to $1,000 with the Homeowners Plus endorsement. Again, we are talking about a tree that just falls in the yard from windstorm or from an ice storm.

Some of my carriers, if you choose for example their Premier Homeowners policy will provide $5,000 per tree or $10,000 for more than one tree to remove from your yard. I have another company which will write up to $2,500 for debris removal, but the home must have a value of at least $750,000 on the dwelling.

After the last tornado that hit White Lake Michigan on July 24th, 2021, I have found that these limits may not be adequate. Again, we are talking about trees that did not hit the home but are strewn around the yard and must be removed. And of course, the tree trimmers are going to base the rate on demand and supply.

My recommendation is to ask about your debris removal coverage for trees, especially if you do have some large trees on your residence. Also, do make sure you know a good local tree trimmer, and be sure you have that number handy in the event of a storm like the one we had on July 24th, 2021.

If you have questions about your homeowners insurance coverage, Complete Insurance Services can help. We are an independent agency representing numerous insurance companies and specialize in providing personalized insurance coverage that meets the unique needs of families and businesses. Call and speak to an agent for a Free No Obligation Quote!

Car Rental Coverage – Here’s What You Need to Know

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We frequently gets calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have an Auto-Owners personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered.

Let’s look at a common example: You take a vacation to Las Vegas and rent a car.

How does coverage extend from your car to a rented car while on vacation?

Under an Auto-Owners personal auto policy, if you have comprehensive and collision coverage, it carries over to a rental vehicle. Liability coverage (coverage for another person’s medical bills or damage to another person’s property) extends only to the insured(s), a spouse, relatives who live with the insured, and anyone the insured gives permission to use the rental vehicle.

Physical damage coverage (coverage for the rental car if it is damaged or stolen) applies only to the insured(s), spouse and relatives who live with the insured. The broadest or best coverage from any vehicle on your policy extends to the rented vehicle. In other words, as long as one of the vehicles on your policy has both liability and physical damage coverage, the car rented on vacation will have those same coverages.

If coverage can be extended to the rental vehicle it is not necessary to purchase the damage waiver from the rental car company.

The Auto-Owners policy is broader than the industry when it comes to rented vehicles regarding what is covered. If you have questions on this coverage, please contact us. Keep in mind that it will be important to understand why the vehicle is being rented and who will be driving it, as these facts are important in determining if coverage will apply for a potential claim. And please make sure the leased vehicle is rented for your personal use, and not for business.

Complete Insurance Services is located in Keego Harbor Michigan. If you are looking to learn more about car rental coverage contact us today for a Free Quote!

Five Tips for Buying Insurance for Contractors Equipment

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Theft of Contractors Equipment is getting bigger and more organized. Five suspects from Metro Detroit Area, were arrested for more than 50 thefts in Michigan, as well as Indian and Ohio.

Here are my Five Tips for covering your equipment:

1) Schedule the larger equipment: This gives you a lower rate. The Blanket rate is 3X as much as the scheduled equipment rate. It also will cover the exact piece of equipment, with description and the value, which makes it easier to process a claim.

2) Rental Equipment: Always add coverage for rental equipment. This will cover you up to a specific limit should you have to replace rented equipment or other losses that you are responsible for should you be held responsible for damage or to theft of rental equipment.

3) Rental Reimbursement and Extra Expense for your own equipment: What do you do when someone has vandalized your own equipment and you have to rent to finish the job? This coverage pays for the cost of the rental equipment and pays extra expense you incur to minimize your suspension of your business.

4) Replacement cost coverage: Did you know that on a new piece of equipment, you may be able to have replacement cost? Normally we insure equipment for Actual Cash Value which is subject to a lower value due to depreciation. If you have newer equipment, ask for replacement cost coverage.

5) Package your equipment with your other coverages: Insurance companies offer a 10% discount if you put both your equipment with your liability insurance coverages.

Questions on insuring your equipment? Complete Insurance understands businesses in the community and will find the best value for your coverage. Our agents are knowledgeable and experienced and take pride in reviewing your options with multiple insurance companies, comparing protection and prices to find the best value for your business.

Whether you need homeowner’s insurance, auto insurance, life insurance, medical insurance, or business insurance coverage we have a plan for everyone. Call our Keego Harbor insurance office for a Free Quote today!

John Linemeyer CCU
Complete Insurance Services, Inc.

Do I Need Boat Insurance? | Keego Harbor MI

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Insurance is probably not what you think of when you think about owning a boat. But in two states boat insurance is legally required to own and operate a boat, in many of the others it’s strongly encouraged to make sure you’re protecting yourself and your investment in your boat. So, while you may not necessarily need it from a legal standpoint in your state, it may be something you’re very interested in looking into if you plan on using your boat.

Boat insurance is pretty similar to automobile insurance coverage, breaking down into similar categories. However, most states do not require it by law, though that means you’re shelling out the cost yourself. And, like automobile insurance, certain safety precautions and certifications can get your cost lowered.

Below is some information on boat insurance and why you need it.

Is boat insurance required?

Only two states require boat insurance statewide, but you may find places you’re trying to use your boat require you to carry insurance in order to use their waters. So, it might be best to assume it’s required. Suggested policies include coverage of environmental cleanup, physical damage, collisions, and protection of the physical bodies of passengers in order to help cover medical bills.

Reason to get boat insurance

Boat insurance protects a lot. While it’s not something you may think about, you hopefully do think about safety. And that’s what boat insurance I all about, providing safety and protection for your boat and those who use it. Benefits and protections for insurance include:

  • Protecting yourself while using your boat
  • Protect any passengers you have on your boat
  • Protect your investment in your vehicle

Ultimately, mother nature does not have an off switch and even the most experienced boaters can find themselves in danger. It can be something as big as hurricane season or something as simple as running over debris in the water. It can get dangerous, and expensive, fast and you’ll find yourself wishing you had insurance when you’re shelling out money for repairs or even medical bills for those who become injured.

Related Questions

How can I get the best deal on boat insurance?

Boat insurance is all about safety. So, any steps you take to make your boat a safer vehicle will help your insurance situation. Just like with car insurance, getting certifications in boating courses and safety courses can lower the cost as can making specific safety adjustments to your boat.

Reaching out to an experienced insurance agency for quote is a good starting point.

Can I have my boat covered under my homeowner policy?

There is a possibility your boat can actually be covered under a homeowner’s policy, so make sure to check with your agent. Certain policies allow for physical damages to watercraft. But you shouldn’t rely on your homeowners to give adequate protections to your boat. Buying insurance for your boat, watercraft or recreational vehicle you own is wise.

Optional Boat Coverages:

  • Boating equipment and Accessories
  • Personal Property
  • Emergency Towing
  • Comprehensive
  • Collision
  • Guranteed Replacement Cost
  • Agreed Value
  • Actual Cash Value
  • Recovery costs
  • Trailers
  • Liability
  • Unisured Watercraft
  • Medical Payments

Credits:

  • Multipolicy
  • Navigation Class
  • Payment in Full
  • Boating Experience
  • Higher Deductible

Talk to an insurance professional today about your needs and get your boat insured just in time for a summer of fun!

Complete Insurance Services in Keego Harbor MI is here to help. Our Personal Lines Department writes a full range of coverages for Michigan residents. Representing many excellent insurance companies that offer a variety of products to meet your individual requirement ensures a personalized insurance package at the most reasonable price. Call us for a Free no obligation quote and receive a Free boat inflatable key ring!

Five Quick Maintenance Tips for Your Car | Complete Insurance Services MI

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Every once in a while, you need to do a pulse check on your car. We do inspections once a year or so, depending on your state, but between inspections there are checks you need to make on your car to ensure it’s running smoothly and being well kept. Cars are made of so many parts, any one of them can malfunction at any time. You can be prepared with routine checks.

You don’t need a full inspection of your car every time you go into the shop, but there are certain aspects that need to be checked on more often than others. You’d be surprised how much wear a car can endure before a light comes on or you notice a problem in performance. Don’t let it get to that point.

Below are five checks you should be doing routinely to make sure your car continues to run smoothly.

Oil Check

This one is obvious, and your car will likely alert you when the time comes. But your auto shop should also give you a mileage to get your oil checked at, whether your light comes on or not. The motor oil lubricates the moving parts in your car, protects it against debris, keeps the engine from overheating, reduces damage, and a lot more. That’s why it needs to be monitored and replenished as soon as it’s time.

Tire Pressure and Tread

Your tire pressure gauges may not always be accurate and fluctuations in weather can cause tire pressure to drop without much warning. Check your tire pressure often to ensure you don’t have a slow leak. You should also make sure your tread is in good shape so it does not become a hazard during inclement weather. It’s also a good idea to periodically rotate your tires.

Air Filters

The air filters in your car run through the engine and provide clean air to your car. It’s a no brainer they need to be properly maintained and cleaned. If your air filter is malfunctioning, it can be a fuel usage problem.

Lights and Signals

You don’t want to go to turn your car on one night and find your headlights out. You also don’t want to be in a traffic stop for a taillight being out. Check them regularly and change the bulbs based on their performance the expectancy you get from your auto shop. This is incredibly important for brake and turn signals.

Wax

This may sound like a luxury but waxing your car after a cleaning can help protect your paint job and make it more resistant to damage from debris. Even small irritants like dust, road salt, and sand can wear down the paint and before you know it the paint is wearing off. My favorite Wash and Wax product is Mothers California Gold. Cleans, shines, & protects your car. Just use one once per gallon of water when you wash your vehicle.

New Car Paint Protection: A shield of spray on clear coat adds protection to the paint job before you take your new vehicle home. It protects your new car from bird droppings, chips, and tree sap. The polymer paint sealants go right on over the paint. It is not recommended you do this yourself, due to the strong chemicals that are applied. If you have a lot of trees in your yard, or you have a long daily commute it’s a good idea to add the extra protection.

Related Questions

How often should I check my transmission?

Transmission is more of a long-term checkup. Once it’s been looked at and checked off, it’s usually good for a while.

How often should I change my windshield wipers?

This is a good thing to do seasonally since different seasons will wear on your wipers more than others. It’s good to get it done after winter and at the end of summer.

Batteries: Here in Michigan, we know that the Battery will die when its cold and your starting the motor early in the morning. Make sure the battery is tested in the fall.

Spare Tire: Make sure you have a spare for your vehicle and any trailer or recreational vehicles. How many times do you see a trailer on the highway sitting there without a car, and missing a tire? You do not want to have to deal with not having a spare. And do make sure to have your trailer axel’s ball bearings greased. They can heat up and cause considerable damage from neglect.

Keeping your car in check will bring you peace of mind knowing its safe and dependable as well as keeping costly repairs at bay. Summer travel is around the corner, so the Spring season is a smart time to be car aware. It is also a great time to review your car insurance options to ensure your coverage meets your needs.

Want to find out more about Auto Insurance in Michigan? Complete Insurance Services located in Keego Harbor can help. Build your own policy with the help of our experienced agents and get the best combination of coverage, value, and price. Call for a Free Quote today!

5 Reasons to Have Business Insurance | Keego Harbor

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You need business insurance. Plain and simple. It may seem like a headache or stressful, but a company cannot function without business insurance, in many cases legally. Business insurance is a requirement by law and by function of your professionalism and is one of the first things you should do when you start your own business.

There are a lot of reasons out there to have business insurance.

But if you were to go through the top five, that includes legality, credibility, safety for you, safety for employees, and your protection during potential lawsuits you may face as your business grows and evolves.

Below are 5 reasons to have business insurance for your company.

It’s a Legal Requirement

The short of it is that most states require businesses to hold some form of business insurance in order to stay in business. Depending on where you are and what you do, you may require specific types of insurance for the work you do which may be more hazardous than others. Make sure to check your local legal requirements.

Workers Compensation is a no-fault policy. Your employee collects benefits and gives up the right to sue your business.

It Protects Employees

Having business insurance can increase your talent retention. People want to know they will be taken care of if something happens. Business insurance can cover employees who suffer work related injuries and help provide long term benefits if necessary.

It Builds Credibility

Customers and employees both like to see that a business is insured. This is especially important if your company takes on contract work of any kind. If your employees are working in peoples’ homes or at other business, you need to be insured in case something goes wrong. Seeing that you have the ability to pay for any potential damages during a job or project will make customers and clients more likely to trust you and make your employees feel more secure.

It Protects You

Ultimately, insurance is about protecting the business, but it does that in more ways than you think. It protects management from liability. But it’s not just there to protect you in the legal sense. It protects your physical structures from flooding, fires, hurricanes, and other natural disasters or “acts of god”.

It Helps You During Lawsuits

The longer you’re in business, the more likely you’re going to be handed a lawsuit at some point. It’s just part of owning a business. But no matter what the lawsuit is, insurance can be a huge benefit when a lawsuit comes around. Insurance can help cover legal costs and if someone is hurt on your property, insurance can pay the bills, so you don’t have to.

Related Questions

Does business insurance expire?

Yes. Like any insurance, coverage can lapse which results in gaps of coverage or complete loss of coverage. So, you need to make sure you’re keeping on top of your insurance coverage schedule.

What does insurance cost?

This will depend on a lot. It will depend on your state, the type of work you do, and the level of experience you have. General liability may start at $50/month with additions like payroll and sales.

Questions? Talk to your insurance provider about potential business insurance for your company. If you live in Michigan, Complete Insurance Services is happy to help.

Complete Insurance Services Keego Harbor provides the best insurance protection at the most reasonable price. We understand businesses in the community and offer insurance packages for all sizes of businesses with tailored programs to fit their needs.

Our Business Insurance Products include general liability, commercial property insurance, commercial umbrella insurance, business auto insurance and more. Call and speak to an insurance expert about your options today! Free Quotes

The Importance of Renter’s Insurance | Keego Harbor MI

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When you live in a place you rent, you may not realize you need to get additional coverage to protect your property. While your landlord is responsible for the property itself, its maintenance, and paying to fix things as long as they were not broken in an unreasonable way, you still need to cover your own property and belongings. This is what renter’s insurance is for.

Renter’s insurance may be something you thought about but never acted on because it seemed like a hassle, but renter’s insurance is actually incredibly easy to sign up for and wholly affordable. It’s pennies compared to most other insurance costs and covers a whole lot more than you may imagine.

Below is some information on the importance of renter’s insurance.

It’s Incredibly Affordable

Compared to many other forms of insurance, renters is among the most affordable insurance out there. Generally, it costs $100 a year which amounts to less than $10 in monthly insurance payments. While there will be differences depending on your age, the condition of your property, and the location, by and large renter’s insurance is extremely affordable for even the tightest budgets which makes it a no-brainer, especially considering how much it could cost you not to have it.

It Covers What Your Landlord Won’t

Your landlord is responsible for fixing broken appliances, leaks, or other damaged items in your apartment, but they’re not responsible for what a fire may do to your property, or vandalism, theft, weather, or what is generally known in insurance as an act of God. If a fire in your building eats your record collection or you have water damage to your electronics from a rainstorm or, most common, someone breaks in and burglarizes your home, renter’s insurance will cover the losses. For certain items you may need more than the standard policy (such as protection from earthquake damage or floods) but most common forms of damage are included on the standard policy.

You May Be Required by Law

Most landlords are now requiring renters to buy renter’s insurance as part of the agreement on the lease. While landlords do buy their own insurance, that is for the property you live in, not for the items you bring with you and own. Many times, the landlord’s insurance company is actually the one requiring the renter’s insurance on property as a way to get some of the potential burden off landlords in the event of an emergency.

Related Questions

What is covered on the standard renter’s insurance plan?

For standard coverage you will see: vandalism/theft, snow collapse, fire or lightning, damage from vehicles or aircraft, explosions, civil unrest, damage to the water line, and windstorm, among a few others, But it will also depend on where you live.

Does renter’s cover other costs?

If you are forced out of your home or apartment due to a covered loss, (damage, danger, etc.) then renter’s insurance may cover the cost of living while your home is repaired and made livable once again.

Renters Coverage Options

  • We offer to cover schedule jewelry.
  • You can add coverage for incidental business liability exposures such as an office at home.
  • Renters Plus form can add water back up of sewers, and refrigerated products lost due to a power failure.
  • Replacement Cost Coverage for your belongings is available.
  • Equipment Breakdown
  • Identity Theft Expense coverage
  • Special Personal Property coverage
  • Coverage for Laptops or Tablets

Complete Insurance Services Keego Harbor will help you find coverage options that protect you, your family, and your personal property. We are committed to providing the best insurance protection at the most reasonable price. Our insurance needs include Renters, Homeowners, Auto, Business, Medical, Life and more.

Talk to one of our insurance experts about how you can get an affordable renter’s insurance for your home or apartment today! Free Quotes

Tips to Prevent Frozen Pipes this Winter

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Frozen pipes can be more than just inconvenient; they can be downright expensive. With the potential to damage multiple areas of your home, frozen pipes are a nuisance to be avoided.

Frozen pipes occur due to three main reasons: sudden drops in temperature, inadequate insulation and thermostats being set too low.

What can I do to prevent my pipes from freezing?

While it’s still warm…

1.Prepare yourself. Be sure to note where your water shutoff point is, and relay that information to others in your household. In the event of an emergency, this will be the first step to stopping further damage.

Determine whom to call in the event of an emergency. While small bursts may be able to get by on a temporary fix – such as using temporary patch kits, which homeowners should also have – larger-scale breaks may require immediate repair.

2. Insulate your pipes. Exposed pipes located in your attic and crawl spaces are even more susceptible to freezing. Not only are these pipes more exposed and vulnerable to the cold, these locations also don’t receive a steady heat flow.

Use proper materials to insulate your pipes depending on where they’re located – there are different forms of insulation for interior and exterior use. Forms of insulation products include a pipe sleeve, heat tape or heat cable. You can also install fiberglass or foam board over exposed pipes in the attic, crawlspaces, basement, garage, cabinets and other high-risk, colder areas.

3. The hose goes. Your garden hoses should be disconnected, drained, dried and stored properly before winter. If you’re able to, shut off the water from inside to drain leftover water in the pipes that lead to the outdoor faucets.

4. Seal air leaks. Pipes are already at high risk to freeze when it’s cold outside – the last thing they need is excess cold air making its way inside. Seal all leaks located near pipes that are capable of letting cold air sneak in. Look for leaks near pipes, dryer vents, and electrical wiring, and seal them with caulk or insulation.

When the temperature drops …

5. Set your thermostat. Many homeowners keep the heat off to avoid the bill that comes along with it. But, if your home is not kept warm enough, it can contribute to frozen pipes – which are much more costly than a heating bill.

Don’t turn down the thermostat at night. While you might feel warmer overnight underneath blankets, your home gets colder as the exterior temperature drops through the night.

If you’re going out of town during the colder months, keep your heat on at a minimum of 55°F. You can also shut of your water while you’re away, but be sure the pipes are drained. If there are leaks or breaks while you’re away, and there is still a bit of water left in the pipes, at least the damage will be minimal in comparison to leaving the water on.

6. Use a space heater. Placing a space heater in close proximity to unprotected pipes can help keep them warm. Remember, the goal is merely to keep the pipes above freezing (31 °F); you don’t need to overheat them.

Pipes running along the exterior wall in the kitchen tend to be quite vulnerable. Open kitchen cabinet doors and place the space heater in front to generate heat inside the typically closed-off space. This can also be beneficial for pipes inside bathroom cabinets.

7. Let it drip, let it drip, let it drip. Running the smallest amount of water through your pipes could make all the difference in whether they freeze or not. In times of severely cold weather, let warm water drip from the faucets that are served by exposed or poorly insulated pipes.

Original article posted by Bloomfield Construction.

Tips for Buying Car Insurance | Keego Harbor Michigan

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There are so many options to choose from when it comes to purchasing car insurance. You can choose from larger, national car insurance providers or choose from a local, smaller car insurance provider. Most people buy car insurance because it’s required in the state that they live in before they can drive. They usually choose a car insurance company that they saw on television or go with their parents’ car insurance provider. Very few people take the time to research which car insurance would be the best to have given their circumstances. If they do, they base their decision on cost only. Lower insurance costs may seem like a great idea when you are paying a premium and haven’t had an accident.

However, comparing rates shouldn’t be the only thing you learn about when shopping for car insurance.

Here are five other things to consider when deciding what car insurance policy to buy.

Can you get a great deal on car insurance because of your occupation or because you attend college?

Suppose cost matters most to you. Comparing rates between various insurance companies may not be your only option for getting a discount. Did you know that your occupation or where you attend college could also help you save on car insurance? Before you log onto the internet and start comparing rates, take time to research what kind of discounts are available based on your occupation or your status as a student.

Do certain car insurance companies offer cheaper rates than others for your occupation? Is this coverage cheaper than the options that you researched online? These are some of the things to keep in mind as you shop for great deals on car insurance coverage.

How much risk can you take with your deductible?

If you are still in the market for bargains, keep in mind that sometimes car insurance costs can rise or fall based on how much risk you are willing to take on your deductible. Are you generally a safe driver and have hardly been in accidents in the past 5-10 years? Also, can you afford a higher deductible if you should have an accident in the near future?

Generally, the lower your deductible, the higher your car insurance premium. Suppose you can risk taking a chance that you won’t be in a severe accident in the next few years. In that case, accepting a higher deductible can get you more savings on your car insurance. The choice you make is all based on your aversion to risk. Do not go with a high Comprehensive deductible, there little savings. On the Collision deductible go with Regular, not Broad form there a 10% reduction. You can still go after the other at fault driver up to $3,000 for damages to your vehicle.

If you have an accident, does your car insurance cover rental vehicles while your car is repaired?

As a result of an accident, you may be without your car for days or weeks as it gets repaired. How good is your car insurance company at covering your rental car coverages as you await your car repairs? Some car insurance companies don’t provide this service at all. Those that do may have limitations on the costs and the number of days the insurance will cover the rental car. Being clear on this is critical because you may not have access to alternative transportation to get back and forth while your vehicle is repaired.

Does your insurance cover all damages associated with natural disasters?

One of the biggest mistakes people make with car insurance is assuming that all losses are covered. For instance, water damage to your car from a storm may or may not be covered. It depends on how the damage occurred and if you have the proper insurance to cover it. You may also assume that hail damage is covered in your car insurance policy, but it may not be in some cases. If it is, there may be stipulations. You may even think that your insurance covers damages associated with a storm. A tree that falls on your car may not be covered depending on the type of insurance coverage you have.

The key takeaway is that there is much more to purchasing car insurance coverage than merely deciding who has the best rates. Sometimes a fair rate upfront can lead to a massive headache when you have to use the car insurance. These are some things to consider before deciding on a policy, but your research shouldn’t stop with this list. Reviewing your car insurance coverage annually to ensure it is still adequate is more critical than all of these considerations.

More tips and considerations

Towing: Add towing and go higher than $100 per tow. During the flooded out freeways in Michigan the State Police were charging as high as $500 to get your car out. Towing is not expensive, includes any road services.

GAP Insurance: Gap cover’s the difference the insurance company pays on a total loss and the amount you owe on a loan or the value of the leased vehicle. If it is higher than what the insurance company will pay, you’re covered for the difference.

OEM Parts: Not everyone wants aftermarket parts that mainly come from China. With this option the parts are the Original Equipment Manufactured parts, not the aftermarket parts, reconditioned parts, and recycled parts for repairs from a covered loss.

Diminishing Deductibles: Starts with an automatic $100 credit towards your first At Fault Accident, and increases each year another $100 should you be accident free, up to $500 total deductible credit. Resets back to $100 credit should you use it.

Special Tort Liability: Make sure you have this coverage. In an at fault accident, you can be responsible up to $3,000 in damages to the other persons car that you hit. That is if they have a deductible or they do not carry collision coverage.

Pet Medical: Covers injury or death to your pet. Up to $750 per pet, or $1,500 for more than one pet in an auto accident.

Waiver of Deductible Glass Damage: Waives the glass deductible, for glass replacement. Not including sunroof, and mirrors.

Complete Insurance Services, Keego Harbor specializes in providing personalized insurance coverage that meets the needs of individuals, families, and businesses. You can build your own auto insurance policy and get the best combination of coverage, value and price. Do you need a basic policy or fully loaded coverage? Our local agents are here to answer questions and ready to help you determine the best coverage for your needs.

Want to find out more about auto insurance in Michigan? Call us for a Free no obligation quote and we’ll have you out on the road in no time!

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Contact Information

Contact Information

Complete Insurance Services, Inc.
1717 Cass Lake Rd, Keego Harbor, MI 48320

Phone: (248) 682-1510
Fax: (248) 682-1703
Email: admin@completeins.com