What Does Home Content Insurance Cover in Michigan?

Have you ever wondered how you would replace your new TV or favorite jewelry if you lost them in a home invasion or fire? Content insurance is also called personal property insurance. It covers items you lose after a fire, theft, or other insured events at your home. Examples include personal belongings, such as expensive jewelry, electronics, and anything not fixed in the house. If you want to review or increase your current content coverage, reach out to a dedicated America’s Choice Insurance Partners in Wixom, MI.

Are Family Members Covered?

Content insurance covers anyone on your home insurance policy, including children and dependents. If your spouse is on your policy, they are also insured for contents lost in a covered event. If you aren’t sure who is on your current policy, contact your agent to check.

Depending on your home insurance policy, this type of coverage can also cover personal property belonging to living employees or guests. However, it does not cover long-term tenants not related to you.

What’s Included in Content Insurance?

Since these policies vary significantly from one insurance company to another, it’s essential to know if your most precious belongings are covered. If your property is already insured under another policy, such as a car, it isn’t included in content insurance.

If you have content insurance, it may cover jewelry and precious metals, cell phones, and other electronics. However, content insurance does not cover animals, carpeting, fixtures, HVAC systems, or the property of non-family members staying at your home.

Other parts of your home insurance probably cover items fixed to the home, such as HVAC systems, carpeting, and appliances. However, if you rent out your property, you’ll need landlord insurance, and your tenants will need renter’s insurance to cover their belongings.

Contact America’s Choice Insurance Partners in Wixom, MI, today to review or improve your content or home insurance!

What Does Auto Insurance Cover?

If you need auto insurance but are unsure what your coverage options are, the agents at America’s Choice Insurance Partners in Wixom, MI are here to help you out.

Auto Liability Insurance

First of all, auto liability insurance is required for all drivers to have in place before they can operate any motor vehicle on public streets, roads, or highways. This type of insurance will cover a certain amount for bodily injury to anyone involved in an accident you caused as well as any damage that occurs to someone’s property due to the accident.

Underinsured and Uninsured Motorist Coverage

This type of insurance coverage will benefit you if you are involved in an accident with someone driving the vehicle without insurance or not enough insurance to cover the damages they caused.

Comprehensive Insurance

Comprehensive insurance is critical since it will help you repair or replace your vehicle if it becomes suddenly damaged or even destroyed by some incident. These types of incidents include any natural disaster, a fire, or some vandalism. Also, it can help you replace your vehicle if it is stolen.

Collision Insurance

Collision insurance is essential to have in place if your vehicle is damaged from colliding with another vehicle or even an object that is not moving at all, such as a telephone pole or parked car.

Suppose you still owe a lender for the money you used to purchase your vehicle. In that case, both collision and comprehensive insurance will probably be required by your lender to have as part of your auto insurance policy.

To create an auto policy with adequate insurance for your situation, contact the auto insurance agents at America’s Choice Insurance Partners in Wixom, MI.

How to Find the Best Motorhome Insurance Policy for Your Needs

There’s nothing quite like hitting the open road in a motorhome. The freedom to go where and when you want is unparalleled. However, before you can set off on your adventure, one crucial task must be taken care of: finding the right insurance policy. But don’t worry, we’re here to help. This article will give you everything you need to find the best motorhome insurance policy for your needs.

1. Define Your Needs

The first step in finding the best motorhome insurance policy is to define your needs. What are you looking for in a policy? Do you need full coverage or just liability? Are you planning to use your motorhome for full-time living or occasional trips? Answering these questions will help you narrow down your options and make searching for a policy much easier.

2. Compare Different Policies

Once you know what you’re looking for in a policy, it’s time to compare different options. There are a few different ways to do this. The first is to contact different insurance companies and ask for quotes. This will give you a good idea of how much each policy will cost.

Another way to compare policies is to read the fine print. This may seem daunting, but it’s important to understand what you’re getting with each policy. Pay close attention to the coverages and exclusions in each policy. This will help you make an informed decision about which policy is right for you.

3. Choose a Policy

Once you’ve compared different policies, it’s time to choose the one that’s right for you. Be sure to consider all of the factors discussed in this blog post. And don’t be afraid to ask questions if you’re unsure about anything.

Get Motorhome Insurance in Wixom, MI

We hope this blog post has been helpful in your search for the best motorhome insurance policy. America’s Choice Insurance Partners is here to help you every step of the way. Contact us today for more information about our motorhome insurance policies. We’re always happy to answer any questions you may have.

What RV Owners Need to Know about Insurance Plans for Summer

If you’re planning on hitting the road this summer, protect your RV with America’s Choice Insurance Partners. We have a wide variety of plans to choose from, all of which are designed to give you the coverage you need at a price you can afford. What plan is best for your needs? Let’s take a look.

America’s Choice Insurance Partners: Types of RV Insurance Plans

Basic liability coverage is the minimum level of protection required by law in most states. If you’re looking for more comprehensive coverage, we offer various options that can be tailored to your specific needs. Our team can help you better understand which of these policies is the right fit for you. 

What Coverage Do I Need?

If you’re a resident of Wixom, MI, you’ll need to have at least the minimum level of liability coverage required by law in your state. You may also want to consider additional coverage options, such as collision and comprehensive insurance if you plan on doing any traveling this summer. 

How to Get the Most Out of Your RV Insurance Plan This Summer

You can do a few things to make sure you get the most out of your RV insurance plan this summer. First, read your policy carefully to understand what is and isn’t covered. Next,  keep your RV in good working condition. Finally, familiarize yourself with the area you’ll be traveling in. The weather and road conditions may differ from your home base of Wixom, MI.

America’s Choice Insurance Partners has you covered no matter what type of RV insurance plan you need. We’ll work with you to find the right plan. Contact us today to get started.

Protect your motorhome with a comprehensive policy

America’s Choice Insurance Partners is here to provide the greater Wixom, MI area with all of its insurance needs. You know just how much enjoyment they can add to your life if you are a motorhome enthusiast! Let us help you with insurance and ensure that you have the protection you need.

Finding a comprehensive policy for your motorhome

A comprehensive policy is often the right way to go when it comes to motorhomes. A motorhome is often a means of transportation, but many people use theirs as a residence for a period of time each year. If you like to spend a week or more in your motorhome while on the road or at a regularly visited camp or park, you’ll want to ensure that it’s protected.

With a comprehensive policy, you can make sure that you have the liability protection you need and protect the vehicle itself. Liability coverage is an integral part of motorhome insurance, especially if you entertain or have guests staying with you. And, if you use your vehicle primarily for transportation, you will want to have robust insurance in place. 

Navigating a motorhome can be challenging under the best of circumstances. And the degree of difficulty rises when you are on unfamiliar roads. Ensure that you have the proper protection before hitting the open road! We are here to help you with all of your insurance needs from start to finish!

Let us help you with all of your insurance needs!

The team here at America’s Choice Insurance Partners is proud to serve the Wixom, MI community. Let us help you find the right policies for your insurance needs. Give us a call or stop by today!

What is Other Structures Coverage?

Whether you’re buying your first home or adding to your property for the first time, it’s essential to understand other structures coverage. America’s Choice Insurance Partners in Wixom, MI guides homeowners through insurance and other coverage daily. Here’s what you need to know. 

What is other structures coverage?

Like fire, hurricanes, and tornados, most covered perils don’t limit their destruction to your home. They might damage all of the structures on your property on their way through – like your fence, detached garage, gazebo, or in-ground swimming pool. 

Other structures coverage protects the structures on your property that aren’t attached to your home from covered perils. 

Like your homeowner’s policy, it’s important to note that whether your losses are covered depends on your policy. Other structures coverage is never available for renters since they don’t own the structures on the property they rent.

Do I have enough other structures coverage?

Any time you buy a home or modify your property, it’s important to meet with your insurance agent to review your coverage and ensure it meets your needs. Ask your insurance agent how much other structures coverage you have, so you can compare that to the value of your detached structures and purchase additional coverage if needed.  

It’s helpful to know in advance the value of your outbuildings, specifically how much it cost to build them or how much it would cost to replace them today. It’s common for homeowners with multiple outbuildings to need additional coverage, and your insurance agent can walk you through the process. 

Ready to get started? America’s Choice Insurance Partners in Wixom, MI is ready to help! 

Most Common Auto Insurance Claims And How To Avoid Them

Regardless of the amount of care that you take when you are driving in Wixom, MI, sometimes accidents can still happen. Auto insurance is crucial to protecting you, your family, and your assets when an automobile accident does take place. However, every time you file a claim it can have an impact on your insurance. Therefore, at America’s Choice Insurance Partners, we feel that it is important to become aware of some of the most common auto insurance claims and how you can avoid them.

Intersection Accidents

Some busy intersections are confusing. You cannot count on all of the other drivers on the road to obey stop signs and traffic lights. Before attempting to leave an intersection, take a moment to look in both directions in case there is another vehicle approaching that is not preparing to stop. This is especially important when your traffic light has just turned from red to green.

Rear-End Accidents

Another common insurance claim is for rear-end accidents. You should always allow plenty of room between you and the car ahead of you so you will have time to react to any sudden stopping. This type of accident has increased in the age of cell phones. It is never safe to text and drive. Also, take advantage of any hands-free options available on your vehicle to further avoid distractions when driving.

Other Common Claims You Can Avoid

Several other common auto insurance claims can be avoided by paying attention to the road, avoiding driving under the influence, and taking the necessary precautions. These claims include:

  • Single car accidents
  • Parked car damage
  • Break-in and theft
  • Backup accidents

Windshield Damage

Unfortunately, there is little that you can do to avoid a windshield damage claim. The best thing you can do is to never follow too closely to the car ahead of you, especially when traveling on roads with a loose surface.

Not every accident in Wixom, MI can be avoided. The experts at America’s Choice Insurance Partners are available to address any concerns you have regarding your auto insurance. Call us today!

How Travel Trailer Coverage Impacts RV Insurance Coverage

America’s Choice Insurance Partners serves the Wixom, MI community. We proudly serve as an independent agency. This gives us the opportunity to offer our clients multiple options so that they can make the best decision for their loved ones. We recognize that life can throw screwballs at any moment. That’s why it is important to have insurance that you can count on. We have relationships with several carriers throughout the state, so we are confident that we can help you find the coverage you need.

How Adding Travel Trailer Coverage Impacts RV Insurance

Many Michigan residents enjoy taking vacations in their RV. It’s a great opportunity to spend quality time with loved ones and interact with nature. Recreational vehicles are unique assets that deserve the necessary protection. Consider the benefits of RV insurance. RV insurance covers your vehicle if an accident occurs while you’re on the open road. You are covered if your RV hits an animal or tree. All of your personal items inside the RV are covered if they are damaged or someone steals them. You are also protected against potential acts of vandalism. Perhaps you are traveling out of Wixom, MI and you are passing through severe weather. RV insurance covers you if a tree lands on your vehicle and leaves a huge dent.

If your RV is carrying a trailer, you can add travel trailer insurance. Travel trailer insurance covers you if the trailer suffers damage. If you are living in the trailer, travel trailer insurance provides alternative living coverage. This way, you are covered if the unit becomes uninhabitable, and you have to find another place to stay until the trailer is repaired.

America’s Choice Insurance Partners Will Help You Protect Your Assets

Visit our website to learn more information about RV insurance.  

Why Commercial Insurance is an Asset

As a businessman, if someone asks you to list your assets, top of the list will be your building, vehicles, IT equipment, and furniture. But where do you place commercial insurance? In the strict accounting definition, commercial insurance is an expense, but when you think about it, commercial insurance is an asset. When you buy commercial insurance today, you hope to get financial indemnification should a covered peril strike your business in the future.

Need more reasons why you should invest in commercial insurance? If you buy business insurance from America’s Choice Insurance Partners in Wixom, MI, you reap the below benefits.

Employee protection

You may have buildings and other assets, but employees are your most valuable asset. As such, does it not make sense to protect your priceless asset with insurance? Investing in worker’s comp insurance protects your employees from illnesses and work-related injuries.

It gives you liability protection

If you are in business, purchasing liability coverage should be a no-brainer. Given the ubiquitous nature of legal suits, it would be suicidal to forgo general business liability insurance. This coverage protects your business if accused of property damage, bodily injury, and advertising injury. It also covers your business should third parties sue you.

It protects your assets

Commercial insurance is an asset that protects your assets. If you think about your business assets like furniture, buildings, inventories, computers, and so on, it would be catastrophic if you don’t protect them with insurance. In the event of peril like fire, you don’t have to start from level zero if you have business insurance.

Invest in commercial insurance today!

The above list isn’t exhaustive. There are plenty of other reasons why you should invest in commercial insurance. Would you like to purchase business insurance in Wixom, MI? Would you please get in touch with America’s Choice Insurance Partners?

3 Major Types of Auto Insurance Explained

There are different types of auto insurance, with some offering coverage against property damage and others covering injuries and related damages. Such factors influence the type of auto insurance you buy as the type of car you drive, your neighborhood, and any other existing insurance policies you have, among others. America’s Choice Insurance Partners offers auto insurance to residents of Wixom, MI.

Three Major Types Of Auto Insurance Explained

Every type of auto insurance is unique, with some extending the coverage to theft. It’s important to know the difference between all types of auto insurance to decide best which one is ideal for you.

Liability Coverage

Most states require car owners and drivers to have liability coverage which offers protection against damage to other people and property. If you are sued and found at fault, this coverage acquits you from financial losses in case of bodily injury and repair costs and replacements of property.

Collision Coverage

Collision coverage is crucial as it helps cover costs for car repairs and replacement when you are involved in a traffic accident or collide with another car. If you hit a static object such as a tree, collision coverage will pay up to your car’s value minus deductibles. It helps avoid incurring financial losses in the event of an accident, and it is optional coverage in most states.

Uninsured and Underinsured Motorist Coverage

This coverage is necessary for when you are involved in an accident with an uninsured or underinsured motorist. When you file a claim, and the at-fault driver doesn’t have the necessary insurance to cover repairs and medical expenses, this coverage helps. In some states, the other driver has to be considered legally at fault for this coverage to work.

Auto insurance is designed to protect you against financial losses when involved in an accident. There are different types of car insurance, so if you are a resident of Wixom, MI, consult with America’s Choice Insurance Partners to determine which one suits you best