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Mitten Heritage Fraternal Society of Insurance

13892 Hough Road
Berville, MI 48002

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Importance of Obtaining Landlord Insurance

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Landlord insurance protects you against perils that can cause damage or loss to your rental property. As renting a home, condo or apartment is a business, landlord insurance is actually a form of business insurance to protect your valuable investment. If your rental unit is hit by an unexpected disaster, landlord insurance will help cover the repair costs.

At Mitten Heritage Fraternal Society of Insurance, we can customize your Berville, MI landlord policy to provide the exact protection you need. 

Importance of Landlord Insurance

As the owner of a rental property, you’re responsible for its upkeep and care. If your unit suffers structural damage due to a storm, your tenant will expect it to be repaired so he or she can continue living there. By covering the cost of repairs, landlord insurance can save you thousands of dollars out of pocket. If your unit is totally destroyed in a disaster, landlord insurance can save you from financial ruin.

Coverage Options

Landlord policies offer various coverage options to protect your rental property. These include:

  • Dwelling insurance to cover structural damage to your home, condo, or apartment
  • Other structures coverage to pay for damages to detached structures on the property such as a fence, shed, or garage
  • Personal property coverage to protect equipment that services your rental unit, such as a lawnmower, leaf or snow blower, etc.
  • Liability protection to pay for someone’s injuries on your property if you’re found negligent in causing an accident.

You can also obtain additional coverage against vandalism, burglary, or floods. By working closely with our agent, you can determine the type and amount of coverage you need, taking into consideration the condition and value of your property, the risks of damage, what you stand to lose, and your budget.

Reach Out To Us

To learn more about landlord insurance policies, contact Mitten Heritage Fraternal Society of Insurance. We proudly serve the greater Berville, MI region.

Tips to keep your car running like brand new

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Having a car that is running like it did when you first bought it can seem like an impossible task. But, with the right maintenance and care, you can keep your car running like brand new for years to come here in the Berville, MI area. Here are a few tips from us at Mitten Heritage Fraternal Society of Insurance for keeping your car in top shape. 

Tips to keep your car running like brand new

1. Make sure to change your oil regularly

The oil in your engine helps reduce friction and keeps all parts moving smoothly. To ensure this keeps happening, make sure you’re changing your oil every 3,000-5,000 miles (or as recommended by the manufacturer). 

2. Keep a close eye on fluid levels

In addition to oil, there are other important fluids that need to be maintained in order for optimal performance. This includes coolant, brake fluid, transmission fluid, power steering fluid, and windshield washer fluid. Check the levels monthly and top them off if needed. 

3. Replace air filters

Replacing the air filter can help keep your engine breathing properly and prevent dust and debris from clogging up important components. It’s recommended to replace it at least once a year or more often if you drive in dusty conditions. 

4. Get regular tune-ups

Scheduling regular tune-ups with a certified mechanic can save you time and energy down the line by catching small problems before they become bigger issues. This should include checking all belts, hoses, spark plugs, and ignition wires as well as checking the compression in each cylinder of the engine. 

Keep Your Auto Insurance Updated

For more tips, give us at Mitten Heritage Fraternal Society of Insurance a call today. We are proud to serve the Berville, MI area and would be happy to help.

Will Pet Insurance Cover My Pet When We’re On A Trip?

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Yes. Human insurance won’t because you have to stay in your provider’s network. Vets don’t have networks. Mitten Heritage Fraternal Society of Insurance Berville, MI explains more about pet insurance.

Why Pet Insurance?

If your pet becomes ill or sustains an injury while visiting out of state, then you can use any licensed veterinarian, specialist, or emergency 24-hour clinic in the city you’re visiting. You’ll pay for the treatment up-front. The insurance company will reimburse you for covered claims. You should also know these things about pet insurance.

It’s About Healthcare

You’ll hear about pet travel insurance and pet health insurance. You want pet health insurance. The travel insurance is about your pet traveling in the truck to a client’s house. Furthermore, only commercial businesses can buy pet travel insurance (think K-9 units or pet boarders and groomers.)

Travel Insurance 

Many people get traveler’s insurance when they go abroad. It usually covers health emergencies in other countries to a point. Also available is trip cancellation insurance for obvious reasons. None of this, however, pertains to pets. 

If pets are going abroad with you, remember the quarantine they’ll have to endure before being deemed healthy enough not to hurt the natives. On the other hand, if it’s a service animal, you’ll have an easier time, although the travel and cancellation insurance still won’t pertain to the animal.

Fly Like An Eagle

Thinking of flying with your pet to visit Aunt Millie? Call the airline first. Your pet will require all kinds of paperwork, and that’s just before s/he can get a ticket. 

We Are Here To Help!

Mitten Heritage Fraternal Society of Insurance in Berville, MI knows how much you love your pets. Give us a call or pop into the office to learn how much we can do for your pet.

What Does Home Insurance Cover?

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The agents at Mitten Heritage Fraternal Society of Insurance serving the Berville, MI area want you to know that home insurance is designed to provide protection against financial losses that you could suffer if your home is damaged or destroyed along with some of its contents.

While home insurance policies vary in the coverage they provide, there are certain things that they do cover if the image is caused by a fire, burglary, natural disasters, or acts of vandalism.

What Does Home Insurance Cover?

Home insurance will cover the physical structure of your house as well as any outbuildings and attachments, such as your garage or deck.

Home insurance will also cover your personal items that are inside your home. These can include your clothing and furniture as well as your appliances, electronic devices, and other things you own. It is imperative to remember that personal property coverage does have limits, so if you have very expensive items, such as jewelry or rare artwork, you will want to add on a policy to cover those items to your regular homeowner insurance policy.

If someone trips and falls at your house and is injured, home liability coverage insurance is very important to have in place. This will help pay for that person’s medical bills and other expenses and even cover legal expenses for you if the person files a lawsuit against you.

If you have to relocate to a different home while your house is being repaired or rebuilt after it is damaged in some sort of incident, your home insurance policy can provide you with additional living expenses. This can include helping you with the rent of another place if you’re going to be displaced from your home for a lengthy amount of time or even a hotel stay, as well as meals and other expenses you may incur.

Reach Out To Us

Contact the experienced home insurance agents at Mitten Heritage Fraternal Society of Insurance serving the Berville, MI area to get your policy started today!

The Top 5 Benefits of Landlord Insurance

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As a landlord, it is important to protect your rental property investments from unforeseen circumstances that can cause damage or loss. One way to do that is by getting landlord insurance. At Mitten Heritage Fraternal Society of Insurance, we understand the importance of protecting your assets and rental business in the Berville, MI area.

Here are the top 5 benefits of landlord insurance for landlords in your area:

Benefit #1: Protection Against Property Damage and Losses due to Unforeseen Circumstances

Natural disasters, theft, vandalism, and other unforeseen circumstances can cause significant damage to your rental property. Landlord insurance can provide coverage for repairing or replacing the damaged property or assets, including appliances, furniture, and fixtures. This can ultimately save you thousands of dollars and protect your rental income.

Benefit #2: Liability Coverage for Accidents and Injuries on Your Rental Property

As a landlord, you are responsible for ensuring the safety of your tenants and visitors to your property. If someone suffers an injury or accident on your property, you could be held liable. Landlord insurance can provide liability coverage that can cover damages and medical expenses as well as legal fees.

Benefit #3: Income Loss Protection for Loss of Rental Income and Eviction Costs

If your rental property becomes uninhabitable due to property damage or a tenant leaves before the end of their lease, you could experience a loss of rental income. Landlord insurance can provide income loss protection that can help cover rental income and other expenses, such as eviction costs.

Benefit #4: Legal Assistance and Coverage for Renting-related Lawsuits

Landlord-tenant disputes are common, and as a landlord, you could face lawsuits or legal action from tenants. Landlord insurance can provide coverage for legal fees and also offer legal assistance should a dispute arise.

Benefit #5: Peace of Mind and Security for Your Rental Business and Assets

Ultimately, landlord insurance can provide peace of mind and security, knowing that your rental properties and assets are protected. Having insurance can reduce stress as well as financial risk in the event of unforeseen circumstances.

We Are Here To Help!

Investing in landlord insurance is a small price to pay for the peace of mind and protection it can provide. Contact us at Mitten Heritage Fraternal Society of Insurance to learn more about our landlord insurance policies and how we can help protect your rental business in the Berville, Mi area. 

Documents you should always have in your vehicle

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Most people take driving for granted as a right they have. But the reality is, driving is not a right, it is a privilege, and it comes with some legal requirements. It is up to you to know the law and to abide by it. At Mitten Heritage Fraternal Society of Insurance in Berville, MI we take our responsibility to our customers seriously, and we will make sure that you have the mandated auto insurance. 

Documents you should always have in your vehicle

Your vehicle registration

When you own a vehicle, it is mandated that it is registered. Most states require that if you live there, you must register your vehicle in that state. Michigan offers the option to do automobile registration renewals at a self-serve station. It couldn’t be easier, you just scan your registration renewal, pay and print out your registration and license plate tab. You can renew it even without the notice by putting in other information. Vehicle renewals are paid every year. 

Your auto insurance card

When you renew your auto insurance, you get a card that shows that your auto insurance premium is paid. If you get your renewal policy in the mail, the cards will be included. As a matter of fact, usually, they send you two copies. You can go to the carrier’s website and print a set of insurance cards anytime you need them. 

Your driver’s license

You must always have your driver’s license to prove you have the right to drive. You don’t need to leave it in the vehicle. As a matter of fact, it should probably be in your wallet with you at all times as a form of identification. 

Contact Us Today

Give our office a call at Mitten Heritage Fraternal Society of Insurance, or stop in at our office in Berville, MI to discuss your auto insurance. 

Can I get pet insurance for a senior dog or cat?

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As a pet owner, you want to do whatever you can to make sure your furry friends get the care they need. But if your senior dog or cat requires medical attention, the cost of treatment can add up quickly. The good news is that pet insurance can help with the financial burden of caring for an older pet. Mitten Heritage Fraternal Society of Insurance is here to explain what you need to know about getting pet insurance for a senior dog or cat in Berville, MI. 

Can I Get Pet Insurance for an Older Dog or Cat?

The short answer is yes! Pet insurance plans are available for older dogs and cats, but there are a few factors to consider before you purchase coverage. For instance, some companies may not cover pre-existing conditions or charge higher premiums for pets over eight years old.

What Does Pet Insurance Cover? 

The types of services covered by pet insurance vary by provider. Still, most plans include basic medical coverage such as vaccinations, regular checkups, and diagnostics like X-rays and blood tests. Some plans may also offer additional coverage for major medical expenses like surgery or orthopedic treatments. It’s important to read the fine print carefully before signing up for a plan so that you understand exactly what’s covered—and what isn’t—before making a commitment. 

Give Us A Call

Caring for a senior dog or cat can be expensive—but it doesn’t have to be! With pet insurance, you can rest assured knowing that your furry friend will receive the proper care they need in Berville, MI. Contact Mitten Heritage Fraternal Society of Insurance today to get started.

What Are My Home Insurance Coverage Options?

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Does the thought of purchasing home insurance overwhelm you? You’re not alone. There’s a high chance that most Berville, MI residents don’t understand in detail what home insurance is all about. Fortunately, Mitten Heritage Fraternal Society of Insurance is your trusted partner in clarifying issues.

Here are some of the coverage options you need to know about:

Liability Coverage

Liability coverage protects you if a guest is injured in your home. For instance, if your dog bites the guest or they trip on a cracked pavement and get injured, the policy will cover the resulting medical expenses or legal fees. This protection also applies to guest property damage that happens around your property.

Contents Coverage

No doubt, you own property in your home. This includes appliances, furniture, clothing, and electronics. If these items are exposed to risks like vandalism, fire, hail, or water damage, this policy will help cover the repair or replacement expenses. However, this policy doesn’t extend to precious items like art or jewelry. Our agents will be happy to talk to you about how you can protect such things.

Dwelling Coverage

This coverage protects your home structures, such as walls, floors, ceilings, and fixed structures like sinks, cabinets, and bookcases. Should you encounter a risk that damages these parts, dwelling coverage will compensate you for the loss you incur. Detached structures such as sheds and garages are also covered here.

Loss of Use Coverage

This type of coverage is also called additional living expenses (ALE) insurance. It helps pay for the additional expenses you incur, such as housing and meals if you encounter a covered event such as fire or vandalism.

Contact Us Today

Protect your home in Berville, MI with our insurance experts at Mitten Heritage Fraternal Society of Insurance. We will help you find the right coverage option based on your needs.

How Does Landlord Insurance Differ from Home Insurance?

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If you are considering renting out your property, there are lots of things to think about. One of those things is whether to have landlord insurance or homeowner’s insurance. Most people know about homeowner’s insurance, but some people have not heard about landlord insurance.  Mitten Heritage Fraternal Society of Insurance in Berville, MI is here to provide a guide.

What is the difference between the two and is landlord insurance right for you?

Dwelling coverage

Dwelling coverage covers the structure of the home. This is included with both homeowner’s insurance and landlord’s insurance.

Other structures

This relates to other structures of the home, such as fences, driveways, sheds, etc. Both homeowner’s insurance and landlord insurance cover other structures as part of their standard policies.

Personal property coverage

Personal property refers to a person’s belongings. Homeowner’s insurance covers personal property up to 50 percent of a home’s insured value. Landlord insurance rarely covers personal property but can cover furniture and appliances for an additional premium, depending on the policy that you choose.

Loss of use

Loss of use means that if the home cannot be lived in for whatever reason, it covers your living expenses until your house is in a livable condition again. Homeowner’s insurance covers loss of use, but landlord insurance does not.

Loss of rent

This is so that if a tenant moves out because of a covered loss, you don’t end up losing out on that income that you would otherwise have. Homeowner’s insurance does not cover the loss of rent, but landlord insurance does.

Personal liability and medical payment

Personal liability coverage covers expenses related to something that happens if it is your fault. This means that if something happens to someone on your property, insurance will cover the expenses related to the situation that occurred. Homeowner’s insurance will cover you and the people living with you both outside and inside the home. Landlord insurance only covers what happens on the property.

Get The Right Coverage Today

Contact us here at Mitten Heritage Fraternal Society of Insurance for your insurance needs in Berville, MI.

What You Need to Know About Auto Insurance

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Auto insurance provides financial protection in the event of an accident. Therefore, it’s important to understand car insurance and what it covers to make an informed decision. Fortunately, we are dedicated to meeting all your insurance needs at Mitten Heritage Fraternal Society of Insurance in Berville, MI. Read on for the must-know details of auto insurance.

Meeting Minimum Coverage Requirements

Liability insurance is the most basic type of auto insurance and provides “bare-bones” coverage. Most states mandate it, and it offers two types of coverage.

  • Bodily injury. If the accident is your fault, this covers the costs related to injuries and the death of others.
  • Property damage. This reimburses expenses associated with damage to vehicles and the property of others if you’re at fault.

Types of Auto Insurance

Besides third-party liability coverage, your options also include:

  • Collision coverage. It covers costs related to damages as a result of colliding with another vehicle or object.
  • Comprehensive coverage. It covers costs associated with damage to your vehicle due to theft, falling rocks, fire, vandalism, and other incidents besides collision.

More options include uninsured and underinsured motorist coverage, personal injury protection, medical payments coverage, and other insurance extras. It’s essential to speak to an experienced insurance agent to better understand how the different types of car insurance work.

Choosing the Best Auto Insurance

Picking the right car insurance depends on your unique situation. Generally speaking, there are several factors to consider to arrive at the right decision.

  • First, review your state coverage requirements
  • Consider the age of your car, financial situation, and driving skills
  • Determine the best coverage for you

Trying to find the right auto insurance for your needs can be tricky. But it doesn’t have to be when you’ve experienced independent agents at Mitten Heritage Fraternal Society of Insurance in Berville MI, for guidance. Contact us to learn more.

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