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Four Questions to Ask Tree Service Companies | Homeowner’s Insurance Keego Harbor

November 23, 2020 By Editorial Staff

1) Are you insured? If they do damage to your home your insurance company can get reimbursed for the claim.
2) Will you haul away the limbs and wood? Sometimes the lowest price may not always include removal of the debris.
3) Are you familiar with my tree? Good to know what is going on and maybe you’re going to have more problems due to a certain type of disease or bugs.
4) What type of equipment do you have? Harnesses, bucket truck, hard hats, and newer equipment that can carry the debris without damage to your lawn.

We are also asked about whether or not a neighbor’s tree that falls on your property is the neighbor’s responsibility. The answer is based on “Negligence”. If a tree that is healthy falls due to an act of God such as a windstorm, your neighbor is not responsible for the damages. But if the tree is dead, and you have given your neighbor written notification that he should remove the tree before it hits your home, the neighbor can be responsible for your damages.

Do keep your tree branches away from your roof. If the branches touch the shingles, it can do damage to the roof. Be careful with the do it yourself approach. Many people get injured or die from being hit by the dropping of trees or the tree limbs. Windy conditions are to be avoided when you are dropping a tree. If you do it yourself, make sure you have leather boots, proper gloves, eye protection, and some ear plugs.

Also, do shop around. The last tree I had taken down, the first quote was around $1,400, and then it was $1,000 with a lot of pressure to do it now as the tree removal company was in the neighborhood. I told him I was in the insurance business and was in no hurry. He hung up on me. I ended with a better price of $800 including the removal of all debris. I paid by check when the job was finished.

John Linemeyer, CPCU

Complete Insurance Services, Inc. specializes in providing personalized insurance coverage that meets the needs of families and business. If you have questions about your homeowner’s insurance coverage, we can help!

We are an independent agency representing numerous insurance companies, so you get the best insurance coverage and protection at the most reasonable price. Whether you need homeowner’s insurance, auto insurance, life insurance, medical insurance, or business insurance coverage, Complete Insurance Services has a plan for everyone.

Call today for a Free no obligation quote!

Filed Under: Insurance Coverage Tagged With: commercial insurance, homeowner's insurance, insurance, insurance coverage, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor, Keego Harbor MI, liability coverage, Michigan, personalized insurance policies, types of homeowners coverage

Umbrella Polices, Should I Have One? – Insurance Services Michigan

September 28, 2020 By Editorial Staff

Umbrella-Policy-benefits-MI-Insurance-Services-Keego-Harbor

Due to the no fault changes effective 7-2-2020, we have been writing more Umbrella polices. The reason is that more drivers will no longer have the unlimited medical protection, and also the new reform allows for lawsuits, even in the event that the other driver is at fault.

The Umbrella is a true excess policy providing coverage over your personal homeowner’s insurance, auto insurance, and any other recreational vehicles you own.

It can cover your vacation home, rental properties, boats, and other exposures you own. The question I hear is what limit of coverage should I carry? Umbrella start at $1,000,000 limits and go as high as $10,000,000.

Lawsuit payout can be huge. We have paid out $3,000,000 on a $5,000,000 umbrella in our office. There was a case where $8,000,000 was awarded for a vertebra injury after a simple fall from a porch.

The Umbrella policy does require you to carry specific minimum amounts of coverage on your homeowners and auto policies before the Umbrella policy kicks in. Coverage on your Umbrella policy is worldwide. An Umbrella policy includes Personal Injury coverages. Non owned Watercraft liability is included.

Who should carry an Umbrella policy?

You should, if you want protection from lawsuits and have a home, auto, or recreation vehicles, a boat, or any rental property.

If you need personalized insurance coverage, call us for a Free Quote! 248-682-1510

Filed Under: Insurance Coverage Tagged With: auto insurance coverage, benefits of umbrella policies, commercial insurance, insurance, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor MI, residential insurance, umbrella policies, why you need an umbrella policy

Equipment Breakdown Coverage – Insurance Agency Keego Harbor

September 11, 2020 By Editorial Staff

Equipment-Breakdown-Coverage-Insurance-Agency-Keego-Harbor

Protect the largest investments in your home with Equipment Breakdown Coverage from Auto-Owners Insurance.

As a homeowner, you depend on any number of mechanical and electrical equipment systems, from air conditioners and heating units to computers and major appliances. At Auto-Owners, we understand that any equipment failure is inconvenient, costly, and not always covered under the intended warranties. Simplify all of this, and give yourself peace of mind with Auto-Owners Equipment Breakdown Coverage.

Equipment Breakdown Coverage

Equipment Breakdown covers all of your important home systems and personal property due to loss by mechanical or electrical breakdown. The coverage is convenient and seamless — there are no separate warranty programs or fees to manage the systems you depend on most:

• Air-conditioning systems
• Compressors, pumps, engines
• Computers and other home electronics (e.g., televisions, audio systems)
• Electrical systems
• Furnaces
• Generators
• Home appliances (e.g., dishwashers, washing machines, electric dryers)
• Hot-water heaters
• Motors, fans, vacuum systems
• Refrigerators and freezers
• Security systems
• “Smart home” automation systems
• Swimming pool heating and filtration systems
• Lawn mower

LIMITS AND DEDUCTIBLES

Equipment Breakdown Coverage is offered on a per occurrence basis. A $500 deductible and a limit of $100,000 is available.

WHEN YOU MIGHT NEED EQUIPMENT BREAKDOWN COVERAGE

• Your property is hit with an artificially generated power surge. The boiler and water heater controls, security system and media equipment were damaged and need to be replaced. Amount of Loss: $18,300

• The relay on your dryer shorted, causing the unit to overheat. Due to the extent of damage, the unit could not be repaired and needs to be replaced. Amount of Loss: $1,250

• Your air conditioning system experienced an electrical short causing loss of cooling to the home. The air conditioning compressor needs to be replaced. Amount of Loss: $2,400

WHY AUTO-OWNERS?

• We offer more than just auto insurance – with our wide array of car, home, business, and life insurance products, you can look to Auto-Owners for all your insurance needs.

• Highest rating by national insurance company rating services such as A.M. Best, which ranks Auto-Owners among the highest in the industry with an A++ (Superior) rating.

• A national consumer magazine ranks Auto-Owners among the top companies for customer service at the time of a claim.

• Auto-Owners is among the largest insurance providers in the United States.

• Auto-Owners is an industry leader in controlling expenses, resulting in savings to our policyholders.

Note: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the printing of this material.
42169 (6-16)

Service Line Coverage

As a homeowner you’re responsible for the service lines that run from the curb to your home. When your service line is damaged it can be a very costly expense to repair or replace. From identifying the problem to excavation to repair, Service Line Coverage has you protected.

Are you protected from an unexpected leak, break, tear, rupture, collapse or arcing of a service line? Talk with your agent today to learn how this product protects your home by extending coverage to the following:

• Underground piping
• Wiring
• Valves
• Attached devices that connect your home to a public utility service provider or to a private system.

LIMITS AND DEDUCTIBLES

Service Line Coverage is offered on a per occurrence basis. A $500 deductible and limits of $10,000 or $15,000 are available.

WHEN YOU MIGHT NEED SERVICE LINE COVERAGE

• A tree root grew through a sewer pipe located on your property causing it to leak. The sewer line was 300 feet long and required a backhoe to dig up the damaged piping and replace it. The cost to replace the sewer line was $3,500 and the excavation cost totaled $8,100. Total Amount of Loss: $11,600

• An underground power line providing electrical service to the home significantly deteriorated over time and resulted in arcing, which interrupted electrical service to the home. The underground power line had to be excavated and replaced due to extensive damage discovered during the repair work. The cost to replace the power line was $2,500. The excavation costs totaled $5,300. Total Amount of Loss: $7,800

WHY AUTO-OWNERS?

• We offer more than just Auto insurance – with our wide array of Car, Home, Business and Life insurance products, you can look to Auto-Owners for all your insurance needs.

• Highest rating by national insurance company rating services such as A.M. Best, which ranks Auto-Owners among the highest in the industry with an A++ (Superior) rating.

• A national consumer magazine ranks Auto-Owners among the top companies for customer service at the time of a claim.

• Auto-Owners is a Fortune 500 company and is among the largest insurance providers in the United States.

Note: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the printing of this material.
42170 (12-17)

Have questions about equipment 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 us to speak to with an experienced agent!

Filed Under: Insurance Coverage Tagged With: commercial insurance, equipment breakdown insurance coverage, equipment insurance, insurance, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor, Keego Harbor MI, residential insurance

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

Phone: (248) 682-1510
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