Commercial Insurance: Who Needs It?

Commercial insurance is a form of liability protection. It is aimed for businesses and corporations to provide them coverage for their variety of business needs. Its core is to protect the business and its employees from any outside threat that could harm the prosperity of the business. Again, it all depends on the business or corporation’s needs.

Why Do Businesses Need It?

In some states like Michigan, it is required businesses to have some form of commercial insurance if their business has a staff of 35 or more. Still, why do your businesses need it? Commercial insurance helps protect your businesses by covering costs from those unexpected outsides of your control events with helping deal with covering property damage costs or liability claims that could otherwise be financially crushing to your business.

Finding the Right Commerical Insurance Style for your Business

There are a variety of types of commercial insurance so there is sure to be one that will match your business needs. The basic is called Business owner’s policy or BOP. A type of business liability coverage it deals in protecting your location, your assets, and properties items like tools, document, and furniture. Some other styles include Business income insurance, which covers you if your business has to close covering your operation losses. At America’s Choice Insurance Partners in Wixom, MI they host all your commercial insurance options to select.

Talk to an Agent

With a wide list of options talking to an agent can help to find the right one for your business. America’s Choice Insurance Partners in Wixom, MI our services can guide you through all the commercial insurance coverage we offer. For the best security coverage to protect your business with the best service to you.

Required Auto Insurance in Michigan

Auto Insurance

In Michigan, you are required to have several different types of coverage in your auto insurance policy. To make sure that you get the right auto insurance, call us at America’s Choice Insurance Partners in Wixom, MI to make an appointment to talk to an agent. An agent can go over various coverage types and help you to get the insurance that you need.

Michigan Coverage

There are three main parts that make up the requirements of a Michigan auto insurance policy. These are property protection, personal injury protection, and residual liability. If a policy has all three of these parts in at least the mandatory minimum amounts, their auto insurance is legal for them to drive. 

Personal Injury Protection

This type of auto insurance coverage is the medical part of a Michigan auto policy. There are several options that customers can choose from in their PIP. Each of the choices offers a specific amount of coverage as well as offering wage protection in case you can’t work due to injury. 

Property Protection

This coverage typically requires having a large amount of property damage coverage. However, this is good only in Michigan. It doesn’t pay for damage to someone else’s property that is out of state. This coverage does pay for any damage done to other cars that are properly parked, but it doesn’t cover other damage to vehicles.

Residual Liability Coverage

This type of coverage covers a mandatory minimum amount of damage that you do to a vehicle outside of Michigan. It also provides liability coverage if someone is injured or killed in an accident. 

Getting Your Insurance

To stay legal, call us about your auto insurance needs. At America’s Choice Insurance Partners in Wixom, MI, we’re here to help. 

Exploring Some Common Misconceptions Regarding RV Insurance

America’s Choice Insurance Partners serves the Wixom, MI community by offering multiple types of insurance coverage. We are aware that searching for insurance can be overwhelming at times. That’s why we are committed to helping our clients find the coverage they need by simplifying the process. We help our clients find coverage that suits their individual situation.

Common Misconceptions About RV Insurance

Many people enjoy taking road trips in their RV. While you are traveling through Wixom, MI, RV insurance will cover you. The policy will cover any damages that your RV suffers during a collision with another vehicle or object. The policy will also cover you if a potential liability issue arises. While you are researching different policies, be aware of some common misconceptions regarding RV insurance.

If you have luxury items on your RV, it’s important that you amend your policy in order to protect those items. Do not automatically assume that your luxury items will be covered under your policy. Also, keep in mind that RV insurance differs from traditional auto insurance policies. The structure of your RV insurance policy will be different, especially if your RV also acts as the place where you sleep and keep all of your personal items.

During times when you are not operating your RV, you may feel that you do not need any coverage. The policy covers your RV if something were to happen while you have your RV in storage. An accidental fire could cause severe damage to your RV. With RV insurance, you will be covered if that situation arises. You will also be covered if you have to seek temporary lodging elsewhere while your RV is repaired.

America’s Choice Insurance Partners Will Help Alleviate Some Stress

Visit our website today to learn more information about how we can help you find the right RV insurance policy.   

Should I Keep My Motorhome Insured If It Is In Storage?

America’s Choice Insurance Partners offer a variety of insurance options to the residents who live in the Wixom, MI area. In Michigan, camping is more than just a hobby. It’s a way of life for many who truly love the outdoors. When fall rolls around, however, and the camping season comes to a close, motorhome owners reluctantly put their second homes in storage. Keeping them properly insured means that next year’s camping season will start outright.

Seasonal Use

Fall and winter in Michigan can be incredibly cold. Properly winterizing your motorhome and putting it in storage is the best way to protect it from the elements. With the right type of motorhome or a recreational insurance policy, you can protect it from various other issues as well. This includes theft, vandalism, damage caused by falling objects, or any other type of incident that is beyond your control.

Protecting Your Investment

Just because your motorhome is in storage doesn’t mean that it is fully protected with no risks. In many cases, this is when theft and vandalism occur. Unless your motorhome is stored inside an enclosed building, you may also have to worry about falling debris, such as tree limbs or other items that may be swept around in a storm. Understanding the risks you face will help you choose the right policy when storing your motorhome.

In Wixom MI, putting your motorhome in storage signals the changing of the season. If you have questions about insurance when fall comes around, call the agents of America’s Choice Insurance Partners. They can help you choose the proper policy and make sure your motorhome is fully covered so that next year’s camping season starts off smoothly.

Three things that influence the amount of home insurance coverage you need

It’s important to purchase adequate home insurance coverage to protect the investment you make in your home. At America’s Choice Insurance Partners, we offer many different home insurance options for homeowners in Wixom, MI.

The following are three things that influence the amount of home insurance coverage you need on your property.

The requirements of your mortgage lender

If you borrowed money from a lender to purchase your home, your lender is probably going to require that you have home insurance. They’re also going to have requirements for what minimum coverage is required of you.

You have more freedom to choose between different home insurance options if you own your home outright. It’s important to discuss your home insurance with your mortgage lender to make sure that your policy meets their requirements. 

The value of possessions within your home

The more valuable the possessions you want to cover, the more coverage you need. If you have a lot of valuable possessions in your home like jewelry or electronics, you should invest in some added insurance coverage to protect them. 

The existence of any possible safety risks in your home

There are certain scenarios in your home that could create additional safety risks. This could include owning certain breeds of dogs or owning an older home. By making repairs or changes in your home, you could minimize these safety risks and thereby decrease your coverage needs. You can discuss safety risks and possible improvements with your home insurance provider before you purchase a policy. 

If you have questions about our insurance policy options at America’s Choice Insurance Partners, feel free to get in touch with us. Visit us online or give us a call if you have questions about home insurance in Wixom, MI. 

When is auto insurance needed in Michigan?

For people that are all over the state of Michigan, owning a car is a practical necessity, as it will make it much easier for you to get around town. For those that are in the Wixom, MI area, it is crucial to understand your auto insurance needs and requirements fully. There are several situations when you will need to have an auto insurance policy when you are in the state of Michigan. 

When Driving on Public Roads

If you intend to drive your car on a public road in Michigan, you will be obligated to carry auto insurance at all times. Similar to other states, Michigan requires that all drivers have a liability insurance policy in good standing. This insurance will ensure that you can pay for any damages you cause when you are driving. If you do not have this insurance, you could face severe penalization if you are caught without it. 

If You Have a Loan

You are also going to need to get an insurance policy if you have a car loan. If you have taken out a loan to finance the purchase of your vehicle, you are going to be required to carry auto insurance at all times. When you have a full collision and comprehensive insurance policy in place, it will help to protect the lender’s collateral. For a lot of car owners, providing evidence of this insurance will be required when the loan is funded.

If you are going to purchase a car in the Wixom, MI area, it is vital that you get the right auto insurance. The insurance professionals at America’s Choice Insurance Partners can help you to find a policy that works for you. America’s Choice Insurance Partners will do this by providing you with a personalized assessment to understand your requirements. 

Three Important Questions you must ask about Motor Home Insurance

When you own a motor home, you must protect it. Acquiring the right type of insurance is the best way to go. At America’s Choice Insurance Partners, serving Wixom, MI, we work with motor homeowners to find a suitable coverage plan. However, before you make a decision, there are three critical questions you must ask your agent about motor home insurance.

What is included in Motor Home Insurance coverage?

This first question is an obvious one to ask to purchase the right coverage. Being knowledgeable about the details of your motorhome coverage will help you make a sound decision. Your coverage options could vary depending on how much you drive it. So you must know your options to choose one that fits your needs.

Is Motor Home Insurance similar to Auto Insurance?

A motorhome is considered a place to live and a vehicle to drive. As such, the insurance options for it are similar to automobile insurance coverage. These options include comprehensive, collision, and liability coverage. In the state of Michigan, the no-fault insurance law mandates all drivers to pay for injuries to people or any property damage caused. While motor home insurance has its similarities to auto coverage, it does also include replacement costs for lost or damaged items kept in your motorhome.

How could I get the best coverage for my Motor Home?

To get the maximum coverage, you must have a good, reliable agent to help you find the right one according to your situation. Our agents at America’s Choice Insurance Partners are here for you. If you live in the Wixom, MI area, contact us for a quote on your motor home insurance today.

Why Is RV Insurance Necessary?

Insuring an RV in Wixom, MI can be a little tricky because even though the inside of the RV feels more like a home, it’s still treated as a vehicle for insurance purposes. Since it’s treated as a vehicle, you need to make sure that you have adequate liability insurance if you hope to drive your RV out in public. In addition to it being required for you to operate your RV legally, several standard coverages are useful to protect your financial investment. An agent at America’s Choice Insurance Partners can help you find the right coverage for your needs. 

  • Liability Coverage: Liability coverage can pay for injuries and damages that you are legally responsible for because of an accident. 
  • Uninsured Coverage: This coverage will reimburse you for damages and injuries that are caused by someone who doesn’t have any insurance or not enough insurance.
  • Medical Payments: This coverage pays for medical expenses for you and household family members while in your RV, no matter whose fault it is.
  • Comprehensive and Collision Coverage: These insurance options provide coverage for your RV should it be damaged in an accident or in another way not related to an accident. For example, vandalism, fire, hail, and theft would be covered under collision insurance. 

Other RV coverages that don’t come standard may also be necessary, depending on how you want to use your RV and how much financial protection you want to have. Custom equipment insurance will give you coverage for equipment and parts that weren’t installed by the manufacturer originally. Vacation liability protection can give you some liability coverage for property damage and bodily injury if you are using your RV as a temporary residence. Awning replacement can provide you coverage to replace your awning if it is destroyed in a covered event.

Contact America’s Choice Insurance Partners in Wixom, MI to get a quote on RV insurance.

4 Ways to Get the Best Motorhome Insurance

If you have a motorhome, you want to get the best insurance for your needs. That means good coverage you can rely on, but you also want to work with a trusted agent who can give you plenty of information about the policies you have to choose from. Then you can pick the one that’s right for your situation and the way you use your recreational vehicle. Motorhome insurance from America’s Choice Insurance Partners means you have options. If you’re in the Wixom, MI area, we want to help you get an excellent policy that’s going to provide you with strong protection and plenty of peace of mind. Here are four ways to get quality insurance you can feel good about:

  1. Ask your agent plenty of questions, so you can have the knowledge you need to make an informed choice.
  2. Work with a company you can trust, so you can get good policy options that fit your needs.
  3. Find an agent you can rely on, so you can review and update your policy as and when it’s necessary.
  4. Review your policy frequently, so you and your agent can work together to keep you adequately protected all the time.

You don’t have to settle for anything less than great with motorhome insurance. When you reach out to us at America’s Choice Insurance Partners, we’ll be happy to help you find the right policy. Whether you use your RV on a full-time basis, or you leave it parked a lot and only take it out in the summertime, there’s a policy that’s right for you. By contacting us, you’ll be on your way to finding that policy and enjoying your motorhome without worries about your insurance for a long time to come. Then you can focus on your travels all over the Wixom, MI area to the shores of Tampa, FL.

What home insurance riders should I consider

Buying a home is one of the biggest investments that most people make. Protecting that investment is important for your peace of mind. Choosing a great home insurance policy can go a long way in helping. With more than 35 years in business, the team at America’s Choice Insurance Partners in Wixom, MI is uniquely qualified to help you make sure that you have all the home insurance that you need. As an independent insurance agency, they are able to offer a variety of products from multiple carriers. 

When looking for home insurance you may think that a typical home insurance policy will cover everything that could possibly happen to your home. You would be wrong. Many things are excluded from your home policy or have very specific limits that may not be adequate for your needs. That is where a rider or endorsement comes in, it gives you the coverage that your basic policy does not. 

  • Scheduled personal property rider – Your home insurance has set limits for personal property. Within that coverage, it may have limits for things like jewelry and electronics. You can add additional coverage to protect your property that has a value above the standard rate on your policy. 
  • Sewer back up coverage – Sewer backup is almost never covered on a typical policy.  It can cause thousands of dollars in damage and is a rider that is well worth adding to your policy, 
  • Earthquake rider/sinkhole – Any earth movement is not covered on a typical home insurance policy. If you live in an area where this is a serious possibility this rider is vital. 

These are just a sample of the types of riders that you may want to consider adding to your home insurance policy. Give the office of America’s Choice Insurance Partners in Wixom, MI a call or stop by to make an appointment to discuss your home insurance needs.