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Mitten Heritage Fraternal Society of Insurance

13892 Hough Road
Berville, MI 48002

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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.

Pet Insurance That Serves you

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If you are looking for some of the best pet insurance prices around and peace of mind for your pets, then you have just discovered one of the better insurance agencies. Mitten Heritage Fraternal Society of Insurance in Berville, MI has been serving our clients with dedication for more than a decade and looking after their pets.

We Serve our Clients and Their Pets

When you choose Mitten Heritage Fraternal Society of Insurance, you have joined our long line of satisfied clients. We cover all insurance and that includes some of the best pet insurance around. We not only save you every penny possible, but we do so without compromising the protection that your insurance provides. At Mitten Heritage Fraternal Society of Insurance, we are proud to serve our clients and their pets anywhere in the state of Michigan.

We Respect Your Love for Your Animals

At Mitten Heritage Fraternal Society of Insurance, we know how much your pets mean to you since many of us own our own pets. Nothing but the best insurance is good enough to cover that which we love. We respect that and serve our clients keeping that in mind. We do not just insure, we try and make a difference to our clients in terms of cost and the quality of cover for their pets.

At Mitten Heritage Fraternal Society of Insurance in Berville, MI, we will always be available for you, our clients. We provide professional service with that personal touch.

If you are anywhere in Michigan, make an appointment now and see why our clients are so happy with what we provide. We are waiting for your call.

Things home insurance won’t cover

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Home insurance makes it possible to sleep at night knowing your home is protected. So many things can go wrong. It is vital to ensure you have the right insurance and understand what it covers. At Mitten Heritage Fraternal Society of Insurance in Berville, MI, we take our responsibility as independent insurance agents seriously. We are committed to sharing our knowledge and giving our clients the benefit of that experience.

Owner Neglect

Owner neglect covers a lot of ground, and you may not have even considered some of the things that are considered neglect. As a homeowner, you probably think it is up to you to decide what treatments you should have done and when to do your repairs. Wrong, your insurance carrier can tell you what you should have done if you try to collect on your insurance.

If you have termites, you should get termite treatment, so you don’t sustain any damage. If you have a leaking roof, you should replace your old roof before it starts to leak. Your insurance has the right to expect you to do upkeep and repairs on your home.

Flood 

Floods can be very damaging. They are not covered by standard home insurance. Luckily, if you are in an area where the danger of flooding exists, you can buy flood insurance from the NFIP.

Earth Movement

Earth movement covers several common hazards: earthquakes, sinkholes, and mudslides. All of them involve earth movement, and none are covered.

Sewer Backup

What could be grosser than having your sewer back up into your house? Having a swear backup and finding out that your home insurance doesn’t cover it. Don’t say you weren’t warned. Look for an endorsement if the thought worries you.

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

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