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

RV Insurance Coverage Options

You are excited to head out on the highway in your new RV camper but before you do, you need to ensure that you have the proper insurance coverage to protect the investment you have made in your RV.

The trusted and experienced RV insurance agents at America’s Choice Insurance Partners in Wixom, MI, know and understand the importance of having RV insurance in place for all types of motor homes, folding camping trailers, fifth-wheel trailers, conventional camping trailers, and even mounted truck campers.

Liability RV Insurance

Liability insurance coverage is required for all motorists in the state of Michigan. This type of policy will cover you or anyone else who drives your motorhome in the event an accident occurs and it is deemed to be the fault of you or the person driving your RV. Also, this type of coverage can even pay the expenses of any person that is injured in a crash along with any property damage that occurs.

Comprehensive Coverage

Comprehensive RV insurance coverage may be required by your lender if you borrowed the money to purchase your RV or camper. Even if you paid cash for your motorhome, this type of insurance is still very important to obtain to protect your investment and to provide you with the peace of mind you deserve so you can completely enjoy each of your camping experiences. It will repair or replace your camper or motorhome if it is damaged by a natural disaster, an act of vandalism, a theft incident, a fire, or even a falling object.

Collision Coverage

Collision coverage will come in handy if you are involved in a collision with another vehicle or some sort of stationary object.

To obtain a quote or to create an RV insurance policy that works well for you and your family, contact the experienced, trusted, and knowledgeable RV insurance agents at America’s Choice Insurance Partners in Wixom MI today for a quote and an appointment.

Motorhome insurance FAQs

As a motorhome owner, you are in a select group of Americans. Your motorhome is special to you and when it comes to insuring your motorhome, you want to have someone who is as dedicated to this special genre as you are. At  America’s Choice Insurance Partners in Wixom, MI, we have been specializing in motorhome insurance since 1984 and we understand what is important to you because it is also important to us. 

What does motorhome insurance cover?

Motorhome insurance offers the same options that auto insurance offers; liability coverage, collision, comprehensive and roadside assistance. 

Is motorhome insurance required in Michigan?

Michigan requires that all motor vehicles have liability coverage in the amount of 50/100/10. While this is the required amount, the property damage amount is quite low and, given the fact that motorhomes are large, having more coverage is a good idea. 

Does motorhome insurance cover mold and mildew?

Having mold and mildew in your motorhome is not uncommon, but it is a maintenance issue and not one that is covered by your insurance policy. It is up to you to take the necessary steps to keep our motorhome in good repair. In this respect, motor home insurance is more like home insurance than auto insurance. 

Should I cancel my insurance when my motorhome is in storage?

No, you should not cancel your coverage when you are not driving your motorhome. Bad things can still happen that don’t involve driving at all. Many insurance carriers have an option for keeping coverage on your motorhome that will protect it from damage. You can keep the coverage you need and not keep what you don’t need. This will save you money and preserve your policy. 

Contact America’s Choice Insurance Partners in Wixom, MI when you are ready to talk about what insurance your motorhome needs.

Ways Wixom, MI Residents Can Improve Safety at Home

Nothing instils one more peace of mind than knowing that your family and loved ones are protected while they are in your house. Your home at Wixom, MI is vulnerable to impending potential hazards. Still, if you are conversant with dangerous areas and unsafe habits to keep away from, you are likely to avert any inevitable harm. Statistics reveal that one home is burglarized every 23 seconds, and thousands of people die annually from accidental home injuries. With these pronounced unsafe episodes, it’s prudent to speak to our agents at America’s Choice Insurance Partners to educate you on safety tips to make your home safe, including:

Getting an alarm system

You dwelling in Wixom, MI, should possess more than one alarm system. Though it’s challenging to determine exactly how many probable thieves are put off by alarm systems, it’s vital to install one, especially the one that alerts after even being disabled. Any burglar prefers intruding into a home that is alarm-free to minimize the chances of being caught. The market today provides a versatile variety of alarm systems. Choose the one that meets your needs.

Lock your doors and windows

Entering a house with doors and windows not closed can be super easy for an intruder. Ensure that every time your doors and windows are locked, even if you reside in a small sleepy neighborhood.

Lights up the dark areas

Installing porch lights is a vital way of lighting your backyard to keep intruders at bay. Ensure that all your potential entrances to your home are well lit to keep off intruders from sneaking around.

Always remember home fire safety.

Home fires can cause devastating damage effects if not life-threatening. Ensure that high-risk home items are secluded from potential risk. Never abandon cooking unattended and maintain stoves and declutter counter surfaces and take care of flammable objects like bug spray or hairspray.

Install surveillance cameras

CCTV cameras are a prudent idea to monitor movements outside windows and doors. Small hidden cameras are an option in addition to digital recording systems. Ensure that the cameras produce outstanding quality and are installed close to the doors and windows to record mugshots of investable burglars effectively.

Do you want to procure sufficient home coverage for your home in Wixom, MI? Don’t look beyond America’s Choice Insurance Partners to design for you coverage that protects your home and your loved ones. Call or visit us today!

Why Auto Insurance Is an Asset

Need auto insurance in Wixom, MI? Irrespective of where you reside in Wixom MI America’s Choice Insurance Partners can help in safeguarding you and your automobile. Ranging from liability protection to comprehensive coverage, we professionally customize your Michigan auto insurance, so you only pay for what you desire. Auto insurance acts as a safeguard for financial wellbeing and your car if an accident strikes, theft, or other incidents that are out of your control. Your auto insurance policy will cushion against loss from injuries, medical costs, repairs, and injuries that you inflict on other parties.

Is auto insurance mandatory in Michigan?

The state of Michigan requires all drivers to carry minimum no-fault auto insurance, comprising residual liability, personal injury protection(PIP), and property damage policies. Failure to abide by these prescribed regulations by the state, you are liable for dire consequences ranging from fines to suspension of your license.

Types of auto insurance policies in Michigan

Collision insurance: It covers damage to your car after an engagement in an accident with another vehicle and other stationary objects like a post, fence, tree, or post. It might help to repair or replace your covered automobile.

Comprehensive insurance: It provides an additional level of protection in the instance of a given accident that is non-collisional. It might help pay for physical damage to your car due to vandalism, certain weather events, and contact with an animal.

Uninsured and Underinsured motorist insurance: This policy combination can cushion you and your car after hit-and-run accidents with drivers who are at fault and might not possess sufficient liability coverage or are entirely uninsured.

Medical payments coverage: Sometimes, medical expenses can be massive after a given accident. This policy can help settle for medical bills related to a covered accident irrespective of who is found to be legally culpable.

Gap insurance: The value of a car can depreciate steadily, so an auto insurance settlement may not be sufficient to cover the cost of a loan. Gap insurance might help motorists settle the outstanding amount owed on a car loan after a total loss or theft.

If you don’t possess auto insurance currently in Wixom, MI it’s imperative to acquire coverage as soon as possible to avert out-of-pocket settlements. Call or visit us today at America’s Choice Insurance Partners to get a free quote on auto insurance coverage.

How Motor Home Insurance Is Impacted By Severe Weather

America’s Choice Insurance Partners provides coverage to the Wixom, MI community. We proudly serve as an independent insurance agency. We work closely with multiple carriers across the state. We strive to help our clients protect their assets. We want to alleviate some stress involved in searching for insurance.

How Motor Home Insurance Is Impacted By Severe Weather

If you own a motor home, you have a unique asset. You are able to travel as much as you like while still enjoying that intimate setting. Motor home insurance allows you to stay protected as you travel around Wixom MI and beyond. Collision coverage protects you if your motor home is involved in an accident with another vehicle or object. Comprehensive coverage protects your motor home if someone attempts to steal of vandalizing it. Liability coverage protects you if you are held responsible for any damages that occur to someone else’s property or if someone is injured. All of your personal items on the motor home are also covered if something happens to them.

One of the unknown variables that you have to deal with while you’re riding in your motor home is the weather. You may be involved in an accident. Severe weather also has the ability to total your motor home. While motor homes are durable, they aren’t able to withstand damage from hurricanes or tornadoes. The roof of your motor home is especially vulnerable. The seams that hold your roof in place may erode over time. Make sure that you perform regular maintenance on the roof of your motor home. If the seams become brittle, a strong gust of wind could cause the entire roof to come apart.

If you plan to camp for a few days, park your motor home away from an area where there are lots of trees. You should also store any loose items on your RV in a secure place.

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

Visit our website to learn more information about motor home insurance.