I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…
I was recently asked this question by one of our The Brouwers Agency clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of…
Why do my auto insurance rates keep going up even though my car is getting older? At The Brouwers Agency, many of our clients ask this question so I would like to address it from a couple of angles. First…
The standard homeowners insurance policy has several optional coverages that many people are unaware of. Below is a list of several of the more common optional coverages, called endorsements. This list is by no means all-inclusive and you should both…
When it comes to buying auto insurance a lot of people simply know they want “PLPD” or “Full Coverage.” Full coverage generally refers to a Michigan car insurance policy that has both liability coverage and coverage for physical damage to…
By George Henry, JD, CPCU, CIC CLU, ChFC Reprinted from Michigan AGENT Magazine with the permission of the Michigan Association of Insurance Agents. It doesn’t take an agent very long in our business to encounter the Workers Comp client who…
A personal umbrella policy is probably the most underutilized and yet most important insurance policies someone can purchase. In today’s litigious society the common limits on a home or auto policy are often times inadequate. The best way to remedy…
Every few weeks or so we get this question: What is this MCCA fee that I see on my Michigan No-Fault Auto Insurance Policy? MCCA stands for Michigan Catastrophic Claims Association. This association reimburses insurance companies for auto accident related…
Your home insurance policy includes coverage for your personal property. Big deal, you knew that. You probably even knew that you wanted to have “replacement cost coverage,” whatever that is. But what a lot of people don’t understand is that…