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Mitten Heritage Fraternal Society of Insurance

13892 Hough Road
Berville, MI 48002

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Landlord Insurance: For You and Your Property

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Being a landlord has many benefits, including the potential to make a good living and the freedom it offers. The headaches of owning and managing properties, however, are also something that many landlords have openly complained about. From the cost of property repairs to costly tenants, managing these concerns is also a key to having a successful business and being able to enjoy the rewards of being a landlord. That is also why so many property owners in and around the Berville, MI area rely on the experienced and professional team at Mitten Heritage Fraternal Society of Insurance for all their landlord insurance needs.

Protect You and Your Property with Landlord Insurance

Even with the greatest tenants in the world (and they are out there), managing, maintaining, and operating even a single rental property can get expensive. One fire, major storm, or less-than-perfect tenant can result in thousands of dollars in damage. That is also why an investment in landlord insurance can make a difference for rental properties and their owners. That is why working with a proven and professional agency for the insurance solutions you need for you and your rental property is important.

Landlord Insurance for Berville, MI Area Landlords

From repairs for your property caused by storms or tenants to liability claims and more, protecting your rental property, your business, and yourself begins with the right insurance solutions. Do you have questions or want to learn more about landlord insurance options? Contact us to find out more and schedule an appointment to protect your property, assets, and more with the protection you need and deserve at the Mitten Heritage Fraternal Society of Insurance today.

Thanksgiving Safety Check

Posted on by BossFetty

Thanksgiving is a time to gather around the dinner table in the company of family and friends and be thankful for all that you have. Thanksgiving is the peak day for home cooking fires, with unattended cooking as the leading contributing factor. Keep your holiday full of laughter and fun by following these safety tips.

  1. Stay in the kitchen when cooking on the stove top.
  2. Stay at home when cooking your turkey and check it frequently.
  3. Keep children at least 3 feet away from the hot stove.
  4. Heat cooking oil slowly and watch it closely; it can ignite quickly!
  5. Keep a lid nearby to smother small grease fires. NEVER throw water on a grease fire!
  6. Always use turkey fryers outdoors and on level ground.

In 2017 the U.S. fire department responded to an estimated 1,600 cooking fires on Thanksgiving. Keeping fire safety top of mind in the kitchen during the holiday will keep you from having a Thanksgiving disaster! (Agency name) hopes you and your family have a safe and joyous Thanksgiving!

Sources:

https://www.nfpa.org/Public-Education/Fire-causes-and-risks/Seasonal-fire-causes/Thanksgiving
https://www.dhs.gov/blog/2010/11/24/thanksgiving-safety-tips-us-fire-administration-usfa

Is Full Coverage Insurance Always Recommended?

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If you’re like most drivers in Berville, MI, you want to ensure your car or truck has adequate coverage. If you’re financing a vehicle, the bank often requires full coverage insurance. However, are there ever situations when full coverage insurance isn’t recommended? In some situations, full coverage insurance may not be the most affordable or even necessary. Here is an overview of situations when full coverage insurance may not be recommended.

  • Your car is older: If your vehicle is older than 10 years, the cost of paying for full coverage insurance might not be worth the low value of your older vehicle.
  • You don’t drive often: If you drive very infrequently, yet your car is paid off, the cost of full coverage insurance might not be recommended.
  • You have adequate resources: If you could easily replace or repair your car should it become damaged or destroyed in an accident, paying high premiums might be unnecessary.
  • You live in a low-risk area: If you live in an area where the risk of theft, vandalism, or natural disasters is low, you could possibly forego full coverage.

Full coverage insurance has many benefits, even if your car is older or has been paid off, and if you want that extra peace of mind, then by all means, choose full coverage no matter what. However, you can settle for liability if it’s not mandatory for you. If you need a new auto insurance provider and are a Berville, MI resident, you should consider Mitten Heritage Fraternal Society of Insurance. At Mitten Heritage Fraternal Society of Insurance, we value our customers, which is why we provide top-notch coverage as well as customer service. Contact us for a quote today.

Pet Insurance – Lifetime Protection for Your Cat

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A pet insurance policy can shield you from the financial consequences of accidents and illnesses that your cat may encounter. Discover how lifelong protection can benefit you as a pet owner, and explore coverage choices that can furnish your pet with essential services.

Pet Coverage

Pet insurance underwrites animal hospital visits and veterinarian consultations, which may be vital throughout your pet’s lifetime. The policy reimburses a portion of the financial outlay you shoulder for each hospital and private practice visit.

Pet coverage empowers you to seek medical services promptly. Your coverage could inspire you to pursue treatments you might typically find financially overwhelming. With pet insurance coverage in place, your cat can relish the care level it needs and deserves.

Covered Services

Insurers present an array of policies. You can opt for policies covering accidents, illnesses, or a blend of accidents and illnesses. Typically, your policy could also encompass some standard services. Here’s a list of some services that insurers include in some of their pet insurance plans:

  • Examinations
  • Treatment procedures
  • Preventative care
  • Behavioral care
  • Emergency care

About Your Pet

When signing up for a pet insurance policy, you need to disclose your cat’s breed and age. The insurance firm relies on these details to match you with the appropriate coverage. Remember, any preexisting conditions that your cat has been diagnosed with might not be covered by the pet insurance plan.

Pet Insurance Services in Berville, MI

At Mitten Heritage Fraternal Society of Insurance, our agents offer comprehensive services. Agents serving Berville, MI will schedule an initial appointment for you. After gleaning comprehensive information about your cat, the agent will generate your new pet insurance policy document.

How Familiar Are You With Your Home Insurance Policy?

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Homeowners across Olathe, KS, and other parts of the state might be encountering an unfamiliar term with increasing frequency. At the Mitten Heritage Fraternal Society of Insurance, we’ve seen a recent increase in calls inquiring about "Force Place" insurance. Callers typically learn about it from their lenders following the lapse of home insurance policies. So, what does this term signify, and what measures should be taken to dodge it? Here’s everything you should identify about forced-place insurance.

What is Forced-Place Insurance?

If you hold a mortgage on your home, your lender will likely necessitate you to maintain homeowners insurance. Nonetheless, the lender will be informed if you fail to uphold payments on this homeowner’s insurance or cancel it. At this juncture, they will probably force-place home insurance on the property. Essentially, this infers that the lender will ensure insurance while you must accommodate responsibility for its payment.

The Problem with Forced-Place Insurance

You should undertake every conceivable precaution to evade having forced-place insurance on your home.

  • It is EXTREMELY costly.
  • It benefits the lender, not the homeowner.
  • It only covers the mortgage balance.
  • Doesn’t factor in your equity.
  • If you miss payments, it could result in foreclosure.

The bottom line is that you must maintain your insurance if you hold a mortgage. You are much better off upholding your personal insurance policy than allowing your lender to force-place insurance on your home.

Get a Home Insurance Quote Today

If you’re feeling the pinch of surging homeowner’s insurance rates in Olathe, KS, we might be able to assist. Contact the Mitten Heritage Fraternal Society of Insurance for a quote today. You might hold options. Give us the chance to assist you.

Are Musical Instruments Covered by Homeowners Insurance?

Posted on by BossFetty

Standard homeowners insurance policies often cover musical instruments, but it might not include coverage if the instrument is being played for compensation. Situations including fire damage, vandalism and theft are often covered by homeowners insurance.

            You should check your policy to find out the total coverage limit for your personal property. If you have about $150,000 to replace all of your personal items in an incident of a fire or other disaster, but your instrument is worth $50,000 alone, that only leaves $100,000 for the rest of your belongings. In cases like this, it would be a good idea to insure your instrument separately. Here are some ways to determine whether or not you may need extra coverage for your instrument(s):

  • Take an inventory of your instrument(s).
  • Figure out the value of your instrument(s), and get a professional appraisal if your instrument(s) are extremely valuable.
  • If your homeowners insurance policy isn’t enough to cover your instrument(s) in addition to the rest of your belongings, consider getting extra coverage.

There are two options for getting extra coverage for your instrument(s). One option is to get add-on coverage on your current homeowners insurance policy. The other option is to get separate coverage for your instrument(s). Add-on coverage will most likely cover a larger range of disasters that involve your instrument(s) than a standard homeowners policy does. There may be a coverage limit, and if you perform for a compensation, the instrument(s) may not be able to be covered at all through a homeowners insurance policy. Like add-on coverage, circumstances that are not covered in standard homeowners policies would usually be covered by a musical instrument policy. Standalone instrument policies also often cover the instrument(s) no matter where it is at any given time. Musical instrument policies may cover the following circumstances:

  • Damage caused by temperature changes and/or humidity
  • Theft
  • Water damage
  • Flood damage
  • Earthquake damage   
  • Vandalism
  • Shipment damage
  • Repair damage

Musical instrument policies may not cover:

  • Gradual deterioration
  • Mold damage
  • Damage from insects, worms, rodents, or vermin

Separate musical instrument insurance policies usually provide an agreed value coverage as well. This is important for higher valued instruments that appreciate, so that they are being insured at their full value. Source: https://www.rollingstone.com/product-recommendations/finance/theft-music-instruments-homeowners-insurance-1214015/

Protect You and Your Property with Landlord Insurance

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Property ownership brings many benefits and presents various opportunities, including rental property possibilities. Renting out your home, or even rooms in a home you own can generate a substantial additional income. However, the role of a landlord comes with several responsibilities and risks. Fortunately, landlord insurance can help manage the risks associated with landlord-related activities. If you are a property owner in the Berville, MI area, consider discussing plans to protect you and your property today with the professional and friendly agents at the Mitten Heritage Fraternal Society of Insurance.

Landlord Insurance: Protection for You and Your Property

From handling troublesome tenants to addressing tenant injuries, every landlord has many considerations when renting out their property. The good news is that landlord insurance offers a buffer against liability and property issues. Leaving yourself or your property exposed can be financially devastating, but landlord insurance provides a solution to this predicament.

Whether you own and rent one property or many, one claim, accident, or catastrophic storm can cause a major setback. Thankfully, securing your assets only requires a solid plan and an insurance partner to keep you and your property protected.

All Your Landlord Insurance Solutions

If you are a landlord in or around Berville, MI, and have questions about or need landlord insurance, our knowledgeable and professional team at the Mitten Heritage Fraternal Society of Insurance can assist you. Being a landlord can be significantly rewarding, and having adequate protection when needed makes it even better. Contact us to learn more and schedule an appointment today for the coverage you and your property need and deserve.

How an Independent Insurance Agent Saves You Time & Money

Posted on by BossFetty

Are you looking for an agent that can save you time and money on your insurance? Look no further! As an independent insurance agent, we are what you need. We are knowledgeable and versatile. 

Best of all we have options, and these options give you options and can save you hundreds and sometimes thousands of dollars in premiums.  As an independent insurance agent, we can tailor each policy to your specific needs and price range. We can do this because we work with dozens of insurance companies. With these carriers, we can give you more options to choose from in all different price ranges.

We know the complexities of the insurance market and are knowledgeable about the laws that could apply to each policy type. This is invaluable knowledge when it comes to writing your insurance policy. 

How an Independent Insurance Agent Saves You Time

No one likes to waste valuable time trying to find the best deal on insurance to fit their budget. That’s the beauty of an independent insurance agent; we do all the work for you. Most independent agents are alerted when your policy has an increase of 10% or more. While it is normal for rates to fluctuate up and down over time, a 10% increase is when we typically start shopping with our other carriers. 

How an Independent Agent Saves You Money

You know how we can save you time, and in the same way, we can also save you money. Since we have access to several different insurance carriers, we can find pricing to fit your budget. 

Where there are more options, there are better rates, and that gives you a lot of flexibility. Most of the time, the lower premiums don’t mean less coverage. It just means we know where to look. 

You don’t have to sacrifice coverage for better rates and shouldn’t have to. With an independent agent, that’s the least of your worries. Source:  Candace Jenkins | June 23, 2020 https://www.trustedchoice.com/insurance-articles/i/how-insurance-agents-save-you-money/

Does Your Auto Policy Apply to Every Vehicle You Own?

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Mitten Heritage Fraternal Society of Insurance has helped numerous Berville, MI residents obtain the necessary auto coverage to drive legally according to state laws. We appreciate that auto insurance topics can sometimes be baffling. Our aim here is to clarify how auto insurance works, specifically addressing how a full-coverage policy applies to every vehicle you drive.

Driver-Specific Coverage

The liability coverage you purchase is specific to you as the driver. This coverage extends to any vehicle you operate, explaining why your auto insurance policy’s liability coverage applies when renting a vehicle. Your bodily injury liability and personal property liability insurance are portable—they cover you regardless of whether you’re driving your own vehicle, your spouse’s vehicle, or renting a car. Other elements like uninsured motorist coverage and medical coverage attached to your policy also apply to any vehicle you drive.

Vehicle-Specific Coverage

Particulars like collision and comprehensive coverage correspond to an individual vehicle. This also applies to emergency roadside assistance and rental reimbursement. An auto insurance policy does not blanket cover all vehicles owned by a person. Each vehicle must be expressly listed on the policy when purchasing it. Although you can add a vehicle to your policy at any point, the coverage for that vehicle only begins from the date it gets added or from when you procure a separate policy for it. Each vehicle listed will incorporate its valuation under the policy if you choose to insure your vehicles under an agreed-upon value policy.

Contact Us for an Auto Policy Review

Contact Mitten Heritage Fraternal Society of Insurance today to review your auto policy. Ensure you never drive out of your Berville, MI driveway without adequate coverage.

What Does Pet Insurance Cover? What Does Pet Insurance Not Cover?

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Pet insurance is a precious asset. Pet insurance can save families from making heartbreaking decisions about their pets’ care and lives when vet bills would otherwise be overwhelming.

As we at Mitten Heritage Fraternal Society of Insurance often remind our customers in Berville, MI, and throughout the state, pet insurance in Michigan opens doors for pet owner services you might not expect.

What can you expect from your pet policy?

Almost any pet qualifies for accident-only coverage. These policies cover vet bills for bites from other animals, bee and wasp stings, broken bones, car accidents, cuts, lacerations, eye injuries, broken teeth, poisoning, ruptured tendons and ligaments, torn or broken nails, and swallowing foreign objects.

Younger pets can also be insured for illnesses such as arthritis, allergies, diabetes, cancer, heart disease, ear infections, skin conditions, kidney disease, thyroid disorders, skin conditions, and urinary tract infections. Getting coverage for puppies and kittens as soon as they are eligible, usually at the age of eight weeks, and keeping up your premiums is the best way for you to avoid the severe financial costs and tragic decisions involved in taking care of older pets.

In Michigan, your pet insurance also helps you get your pets chipped for easier recovery should they get lost or run away. Your Michigan pet insurance will help you find a home for your pet if keeping it proves to be impossible. Your pet insurance can also help in the event of legal consequences of an animal attack.

Mitten Heritage Fraternal Society of Insurance, serving Berville, MI, and all of the state, can also help you find insurance for exotic pets, such as rabbits, birds, fish, reptiles, and other mammals.

What doesn’t pet insurance cover?

Routine checkups and immunizations are still your responsibility. Older pets may not get illness coverage if they have not been insured before. 

But don’t give up on insuring your pet! Call Mitten Heritage to get the insurance your pet needs today!

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