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Mitten Heritage Fraternal Society of Insurance

13892 Hough Road
Berville, MI 48002

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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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