Condo Insurance: Protecting Your Home and Your Wallet

Posted on May 24, 2023May 11, 2023 by Shield Insurance Agency

Shield Insurance Agency Blog | Condo Insurance | Start a Quote today!

As a renter or homeowner of a condo, it is important to understand the importance of having condo insurance. Condo insurance, also known as renters condo insurance or condo homeowner insurance, is a type of insurance that provides coverage for your personal belongings, liability, and the interior of your condo unit.

The cost of Condo Insurance

The cost of condo insurance can vary depending on a number of factors, including the location of your condo, the neighborhood and city you live in, and the type of coverage you choose. However, the cost of not having condo insurance can be much higher in the event of a disaster or accident.

One of the benefits of living in a condo is the sense of community and the shared responsibility of maintaining the property. However, it is important to remember that the responsibility for insuring your personal belongings and the interior of your unit falls on you, not the homeowners association (HOA).

When shopping for condo insurance, it is important to consider the coverage options that are available to you. Some policies may only cover the interior of your unit, while others may also provide coverage for your personal belongings and liability.

In addition to the coverage options, it is also important to consider the cost of the policy. While it may be tempting to choose the cheapest policy available, it is important to remember that the cost of the policy should not be the only factor you consider. It is important to choose a policy that provides adequate coverage for your needs and fits within your budget.

Shield Sells Condo Insurance

At Shield Insurance Agency, we understand the importance of protecting your home and your wallet. That is why we represent over 40 insurance companies, allowing us to provide our clients with a variety of coverage options at competitive prices.

When you contact Shield Insurance Agency for a condo insurance quote, we will take the time to understand your unique needs and provide you with a policy that fits your budget. Our experienced agents will also provide you with information about the coverage options available to you, so you can make an informed decision about your insurance needs.

In addition to providing you with a policy that fits your needs and budget, Shield Insurance Agency also provides exceptional customer service. We are committed to building long-lasting relationships with our clients and providing them with the support they need when they need it most.

Living in a condo can be a great experience, but it is important to remember that accidents and disasters can happen at any time. By having condo insurance, you can protect your personal belongings, your liability, and the interior of your unit in the event of a disaster or accident.

If you are in need of condo insurance, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. Our experienced agents will work with you to find a policy that fits your needs and budget, so you can have peace of mind knowing that you are protected.

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Benefits of Health Insurance for your family

Posted on May 23, 2023May 23, 2023 by Shield Insurance Agency

Shield Insurance Agency Blog | May 23, 2023 | Health Insurance | Contact Bri for a quote today!

Health insurance is a crucial aspect of our lives that we often overlook until we need it. It provides us with financial protection against unexpected medical expenses that can arise from sickness, injury, or any other medical condition. In this blog post, we will discuss the benefits of health insurance and why it is essential to have it.

Health Insurance Bills

One of the most significant benefits of health insurance is that it helps you manage your medical bills. Medical bills can be expensive, and without insurance, you may find yourself struggling to pay them. Health insurance covers a portion of your medical expenses, which can help you save a significant amount of money. The amount of coverage you receive depends on your policy, but it can cover anything from doctor visits to hospital stays.

Another benefit of health insurance is that it helps you manage your deductibles. A deductible is the amount of money you pay out of pocket before your insurance coverage kicks in. With health insurance, you can choose a deductible that fits your budget and needs. This means that you can choose a higher deductible to lower your monthly premiums or a lower deductible to pay less out of pocket when you need medical care.

Prescriptions are another area where health insurance can be beneficial. Prescription drugs can be expensive, and without insurance, you may find yourself struggling to afford them. Health insurance can help cover the cost of prescription drugs, which can make it easier for you to manage your medical condition.

Injury and sickness are two of the most common reasons people need medical care. Health insurance can help cover the cost of medical care for both injuries and sickness. This means that you can get the medical care you need without worrying about the cost.

Medical emergencies can happen at any time, and they can be expensive. Health insurance can help cover the cost of emergency medical care, which can be a lifesaver in a medical emergency. This means that you can get the medical care you need without worrying about the cost.

Finally, health insurance can be beneficial for your family. If you have a family, you want to make sure that they are protected in case of a medical emergency. Health insurance can help cover the cost of medical care for your family, which can give you peace of mind.

In conclusion, health insurance is essential for anyone who wants to protect themselves and their family from unexpected medical expenses. It can help you manage your medical bills, deductibles, prescriptions, and emergency medical care. It can also be beneficial for your family. If you are looking for health insurance, contact Shield Insurance Agency for all of your insurance needs at (616) 896-4600. They can help you find the right policy for your needs and budget.

Learn about the Federal No Surprise Act

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Small Acts of Kindness Are Universal

Posted on May 23, 2023May 20, 2023 by Shield Insurance Agency

Small Acts of Kindness Are Universal: Global Study Finds People Help Each Other Every 2 Minutes

Good News Network | By Andy Corbley | May 10, 2023 | Kindness | Shield Insurance Agency

An international study of people on five continents has found that humans help each other with small acts of kindness about every 2 minutes, and acquiesce to calls for help overwhelmingly more often than reject them.

For sociologists, understanding the root of any kind of human behavior first requires them to attempt to parse out how much influence on it comes from nurture, and how much from nature.

Kindness, generosity, anger, curiosity

Kindness, generosity, anger, curiosity—how much are these expressions amplified or tamped down by the culture a person grows up in, and how much is built-in to the human animal?

Attempting to tackle kindness and cooperation, a team of researchers at UC Los Angeles conducted a study of observing everyday interactions between strangers and relations to see how often they helped each other.

Previous literature was, in hindsight, aiming a little too high in attempting to answer this question.

For example, the UCLA press room states in a report on the paper, that while whale hunters of Lamalera, Indonesia, follow established rules about how to share out a large catch, Hadza foragers of Tanzania share their food more out of fear of generating negative gossip.

In Kenya, they continue, wealthier Orma villagers are expected to pay for public goods such as road projects. Wealthy Gnau villagers of Papua New Guinea, on the other hand, would reject such an offer because it creates an awkward obligation to reciprocate for their poorer neighbors.

While these are valuable insights into human social organization, they are dealing with complex phenomena with consequences, such as how to divide a whale kill among dozens of people, or financing road construction.

Instead, UCLA sociologist Giovanni Rossi aimed a bit lower. His team analyzed over 40 hours of video recordings of everyday life in towns in Italy, Poland, Russia, Aboriginal Australia, Ecuador, Laos, Ghana, and England.

“Cultural differences like these have created a puzzle for understanding cooperation and helping among humans,” said Rossi, the paper’s first author. “Are our decisions about sharing and helping shaped by the culture we grew up with? Or are humans generous and giving by nature?”

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What you need to know about Business Interruption Insurance

Posted on May 22, 2023May 11, 2023 by Shield Insurance Agency

Shield Insurance Agency | Business Interruption Insurance | Start a quote today!

Business interruption insurance is a type of insurance that provides coverage for losses that a business may incur due to a temporary shutdown or interruption of its operations. This type of insurance is designed to help businesses recover from unexpected events that may cause them to lose revenue or incur additional expenses.

Insurance carriers offer business interruption insurance as part of their commercial insurance policies. This type of insurance is typically included in a package policy that also includes property insurance, liability insurance, and other types of coverage that businesses need to protect themselves from financial losses.

Business Interruption Insurance Key Features

One of the key features of business interruption insurance is the exclusion of losses that are not covered by the policy. Insurance carriers typically exclude losses that are caused by events that are beyond the control of the business, such as natural disasters, acts of terrorism, or war. These exclusions are designed to limit the liability of the insurance carrier and ensure that the policy is affordable for businesses.

However, it is important for businesses to understand the exclusions in their business interruption insurance policy and to make sure that they have adequate coverage for the risks that they face. For example, if a business is located in an area that is prone to natural disasters, such as hurricanes or earthquakes, it may need to purchase additional coverage to protect itself from these risks.

Another important factor to consider when purchasing business interruption insurance is the amount of coverage that is needed. Businesses should carefully evaluate their financial needs and determine how much coverage they need to protect themselves from losses that may occur due to an interruption of their operations.

Contact Shield Insurance at (616) 896-4600 to learn more about business interruption insurance and to get a quote for coverage. Our experienced agents can help you evaluate your risks and determine the right amount of coverage for your business.

In addition to business interruption insurance, Shield Insurance offers a wide range of commercial insurance products to help businesses protect themselves from financial losses. Our policies include property insurance, liability insurance, workers’ compensation insurance, and more.

We understand that every business is unique, and we work closely with our clients to develop customized insurance solutions that meet their specific needs. Whether you are a small business owner or a large corporation, we can help you find the right insurance coverage to protect your business and your bottom line.

At Shield Insurance, we are committed to providing our clients with the highest level of service and support. We are available to answer your questions, provide guidance, and help you navigate the complex world of commercial insurance.

If you are interested in learning more about business interruption insurance or any of our other commercial insurance products, please contact us at (616) 896-4600. We look forward to working with you to protect your business and your future.

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How to pick the right pet insurance for your pet

Posted on May 19, 2023May 10, 2023 by Shield Insurance Agency

Shield Insurance Agency Blog | May 10 2023 | Pet Insurance | Start a Quote today!

As pet owners, we all want to ensure that our furry friends are healthy and happy. However, accidents and illnesses can happen, and veterinary bills can quickly add up. This is where pet insurance comes in. Pet insurance can help cover the cost of unexpected veterinary expenses, giving you peace of mind and ensuring that your pet receives the care they need. In this blog post, we will discuss the different types of pet insurance and how to pick the right insurance for your pet.

There are several types of pet insurance available, each with its own benefits and drawbacks. Here are the most common types of pet insurance:

1. Accident-Only Insurance: This type of insurance covers your pet in the event of an accident, such as a broken bone or a bite wound. It does not cover illnesses or routine care.

2. Time-Limited Insurance: This type of insurance covers your pet for a set period, usually 12 months, for both accidents and illnesses. After the policy expires, any conditions that your pet developed during that time will no longer be covered.

3. Maximum Benefit Insurance: This type of insurance covers your pet up to a certain amount, usually between $5,000 and $15,000. Once that limit is reached, the policy will no longer cover any further expenses.

4. Lifetime Insurance: This type of insurance covers your pet for its entire life, as long as you continue to pay the premiums. It usually has a higher premium than other types of insurance but provides the most comprehensive coverage.

Now that you know the different types of pet insurance, how do you pick the right one for your pet? Here are some factors to consider:

1. Your Pet’s Age and Breed: Some breeds are more prone to certain health conditions than others. For example, bulldogs are prone to respiratory problems, while German Shepherds are prone to hip dysplasia. If you have a purebred dog, it’s a good idea to research their breed’s common health issues and choose a policy that covers those conditions. Additionally, some policies may have age restrictions, so make sure to check if your pet is eligible.

2. Your Budget: Pet insurance premiums can vary widely depending on the type of policy and the coverage level. Consider how much you can afford to pay each month and how much you’re willing to pay out of pocket for veterinary expenses.

3. Coverage Limits: Make sure to read the policy carefully and understand what is covered and what is not. Some policies may have exclusions for pre-existing conditions or certain treatments. Additionally, some policies may have annual or lifetime coverage limits, so make sure to choose a policy that provides enough coverage for your pet’s needs.

4. Customer Service: When choosing a pet insurance provider, it’s important to consider their customer service. Look for a provider that has a good reputation for responding quickly to claims and providing excellent customer service.

5. Additional Benefits: Some pet insurance policies may offer additional benefits, such as coverage for alternative therapies or behavioral training. Consider whether these benefits are important to you and your pet.

If you’re looking for pet insurance, consider contacting Shield Insurance at (616) 896-4600. Shield Insurance offers a variety of pet insurance policies to fit your needs and budget. Their policies cover accidents, illnesses, and routine care. Additionally, Shield Insurance has a reputation for excellent customer service and quick claims processing.

In conclusion, pet insurance can provide peace of mind and financial protection for unexpected veterinary expenses. When choosing a policy, consider your pet’s age and breed, your budget, coverage limits, customer service, and additional benefits. Contact Shield Insurance at (616) 896-4600 to learn more about their pet insurance policies and find the right coverage for your furry friend.

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6 Factors to Consider When Choosing Small Business Insurance

Posted on May 18, 2023May 10, 2023 by Shield Insurance Agency

Shield Insurance Agency Blog | May 10, 2023 | Small Business Insurance | Begin a quote today!

As a small business owner, you know that running a business comes with a certain level of risk. Whether you’re just starting out or have been in business for years, it’s important to protect your business with the right insurance coverage. But with so many options available, how do you choose the right insurance for your business? In this blog post, we’ll discuss six factors to consider when choosing small business insurance.

1. Your Risk Levels

The first factor to consider when choosing small business insurance is your risk levels. Every business is different, and the risks associated with each business will vary. For example, a construction company will have different risks than a retail store. It’s important to assess your business’s risks and choose insurance coverage that will protect you in the event of a loss.

2. Professional Guidance

Choosing the right insurance coverage can be overwhelming, especially if you’re not familiar with the different types of coverage available. That’s why it’s important to seek professional guidance when choosing small business insurance. An insurance agent can help you assess your risks and recommend the right coverage for your business.

3. Employment Insurance Laws

Employment insurance laws vary by state, so it’s important to understand the requirements in your state. For example, in some states, businesses are required to carry workers’ compensation insurance, while in others, it’s optional. Make sure you understand the employment insurance laws in your state and choose coverage that meets those requirements.

4. Insurance Provider Accessibility

When choosing small business insurance, it’s important to consider the accessibility of the insurance provider. You want to choose an insurance provider that is easy to work with and responsive to your needs. Look for an insurance provider that offers online access to your policy information and has a customer service team that is available to answer your questions.

5. Premium Costs

Of course, cost is a factor when choosing small business insurance. You want to choose coverage that is affordable, but you also want to make sure you’re getting the coverage you need. When comparing insurance providers, make sure you’re comparing apples to apples. Look at the coverage limits and deductibles to make sure you’re getting a fair comparison.

6. Geographical Coverage Region

Finally, it’s important to consider the geographical coverage region when choosing small business insurance. If your business operates in multiple states, you’ll need coverage that extends to all of those states. Make sure you choose an insurance provider that offers coverage in the regions where you do business.

Choosing the right insurance coverage for your small business can be overwhelming, but it’s an important decision that shouldn’t be taken lightly. At Shield Insurance, we understand the unique risks associated with small businesses and can help you choose the right coverage to protect your business. Contact us today at (616) 896-4600 to learn more about our small business insurance options.

Five Parts of an Insurance Policy

Posted on May 17, 2023May 10, 2023 by Shield Insurance Agency

Shield Insurance Agency Blog | May 19, 2023 | Insurance | Start a quote today!

Insurance policies can be complex and confusing, but understanding the different parts of a policy is essential to ensure that you have the right coverage for your needs. In this blog post, we will discuss the five parts of an insurance policy: premium, deductible, policy limits, exclusions, and riders.

1. Premium: The premium is the amount you pay for your insurance coverage. It is typically paid on a monthly or annual basis and is based on several factors, including your age, location, and the type of coverage you need. The premium is the cost of your insurance policy, and it is important to choose a premium that fits your budget.

2. Deductible: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your car is damaged in an accident that costs $1,000 to repair, you will pay $500, and your insurance company will pay the remaining $500. Choosing a higher deductible can lower your premium, but it also means you will pay more out of pocket if you need to file a claim.

3. Policy Limits: Policy limits are the maximum amount your insurance company will pay for a covered loss. For example, if you have a $100,000 policy limit for liability coverage and you are sued for $150,000, you will be responsible for paying the remaining $50,000. It is important to choose policy limits that are high enough to protect your assets in the event of a lawsuit.

4. Exclusions: Exclusions are specific situations or events that are not covered by your insurance policy. For example, if you have a homeowner’s insurance policy that excludes flood damage, you will not be covered if your home is damaged by a flood. It is important to read your policy carefully to understand what is and is not covered.

5. Riders – Additional coverage and options: Riders are additional coverage options that you can add to your insurance policy. For example, if you have a homeowner’s insurance policy that does not cover earthquake damage, you can add an earthquake rider to your policy for an additional cost. Riders can provide additional protection for specific situations that are not covered by your standard policy.

Does Your Insurance Meet Your Needs?

Understanding the different parts of an insurance policy is essential to ensure that you have the right coverage for your needs. It is important to review your policy regularly and make changes as needed to ensure that your coverage meets your current needs. If you have questions about your insurance policy or need help choosing the right coverage, contact your insurance agent for assistance.

At Shield Insurance Agency, we are committed to helping our clients find the right insurance coverage for their needs. Our experienced agents can help you understand the different parts of your insurance policy and make sure that you have the coverage you need to protect your assets and your family. Contact us today to learn more about our insurance products and services.

A Mom Posted to Find Friends for 24-yo Son with Down Syndrome

Posted on May 16, 2023June 8, 2023 by Shield Insurance Agency

A Mom Posted to Find Friends for 24-yo Son with Down Syndrome –the Flood of Support Shocked Her

Christian Bowers has Down Syndrome but likes to do normal guy stuff like go bowling and play video games.

Making friends was never hard for the young man, now 24, until he finished school and found, as many people without Down Syndrome do for that matter, it’s not as easy and straightforward to maintain a social life.

Bowers’ mother, Donna Herter, watched her son sink further and further into the dumps because he didn’t have any friends to visit him.

Eventually, Herter put up a post on Facebook asking if any local guys near Rochester, Minnesota, would be interested in coming to hang out with Christian for two hours, a service for which she was willing to offer $80,00 in compensation.

A nurse on the night shift put the post up at 4:00 AM before ending her workday and going to sleep. When she woke up, it had amassed 5,000 comments.

“I was freaking out. My hands were shaking, I was sweating. I was just looking for some local guys, I didn’t want to invite like the entire world into our house,” she told CBS News.

Her friends encouraged her to calm down and take a closer look at the comments, in which she found parents offering suggestions and others volunteering to help.

She eventually found 7 fellows from Wentzville, Minnesota, who visit Christian once a week on a rotating schedule. Herter says her son goes to sleep with a smile on his face now, and is excited about life in general, and of the future as well.

Friendships are important for people born with Down Syndrome, and associations urge parents to plan for the eventuality of their child exiting school and needing to take a more precise attitude towards socializing.

Christian occasionally attends gatherings and groups of other special needs men and women his age, but craves friendship with the rest of the population as well.

“And I’ve never asked him, but I assume because it kind of makes him feel normal, just for an hour or two. ‘Hey, somebody who doesn’t have Down syndrome wants to hang out with me,’” she said.

One of the 7 friends, James Hasting, said he felt terrible that Herter had reached the point where she was trying to pay people to visit her son. Hasting, who volunteers with special needs folks, said hanging out just for a few hours to watch a movie or play video games with Christian has changed the way he looks at the world.

Fancying a snack from the foliage in Anchorage’s Providence Alaska Health Park’s cancer center, it was last Thursday that a moose decided to walk into the building.

Moose Walks in Alaska Hospital For Lunch – Or Maybe to Get a PET Scan

Posted on May 15, 2023May 8, 2023 by Shield Insurance Agency

In Alaska, amazing animals, even the moose, are simply part of the scenery—even, as it turns out, in the hospital.

Fancying a snack from the foliage in Anchorage’s Providence Alaska Health Park’s cancer center, it was last Thursday that a moose decided to walk into the building.

Its hooves were no impediment to the motion-activated door, and soon, the security staff had to get on the intercom to warn visitors, patients, and staff that a moose was on the loose.

However the announcement served mostly to draw people in to see the moose, which wasn’t the first to ever enter the building, nor has it only been members of the deer family. Providence has also had bears try to enter their facilities.

Security managed to corral the animal before it could damage anything beyond the plants.

“Finally, I think it had enough of everybody watching him, watching him eat,” said Randy Hughes, the hospital’s director of security.

WATCH the final stages of the moose appointment…

Alaska Problems!

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The Most Fuel-Efficient Cars: How to Find the Right One

Posted on May 12, 2023May 8, 2023 by Shield Insurance Agency

Nationwide Blog | December 12, 2022 | Fuel-Efficient Cars| Auto Insurance | Start A Quote Today!

As automotive technology continues to evolve, consumers have a variety of fuel-efficient cars to choose from when it’s time to start shopping.

Today, many larger vehicles are included among the lists of cars that get improved mileage from Fuel-Efficient Cars. [1] As innovations continue, you no longer have to choose between the car that gets the best mileage and the one that can carry your family comfortably on vacation.

The effect of hybrid innovation on the automotive landscape is something to note, as evidenced by the cars that rank high in mileage. Hybrid options provide great fuel efficiency, and there’s a wide selection of models.

Factoring the costs of fuel, along with maintenance and repair, can give you a better idea of the actual long-term expense of owning the car instead of basing your decision only on the sticker price. [2]

Benefits of fuel-efficient cars

Fuel-efficient vehicles save on fuel costs and time spent filling up. Advanced technologies such as plug-in hybrids and pure electrics have pushed efficiency even further. Fuel-efficient cars can save you money, no matter what size you are looking for, and they’re a smart hedge against the inevitable rise in fuel prices.

Are fuel-efficient cars better for the environment?

Less fuel consumption of a car means fewer toxic emissions from the exhaust, so we have cleaner air to breathe. Fuel-efficient cars help in reducing pollution and smog by at least 50%. By switching to a hybrid car or one that doesn’t require much fuel, we are also reducing our dependency on fossil fuels. [3]

Cars with the Best Gas Mileage

Fuel economy is a key factor in operating costs for vehicles. A small difference in the overall miles-per-gallon rating can add up to big savings over years of ownership. In order to properly decide which car is best based on gas mileage, you should review several lists from reputable sources before making any decisions.

Here are a few helpful links to streamline your search for fuel-efficient cars:

Choosing the right vehicle can be difficult. But protecting your car and home is easy with Nationwide. Get a free auto insurance quote online or contact an independent agent today to see how you can save by bundling your insurance.

Sources:

[1] “13 Most Fuel-Efficient SUVs in 2022,” cars.usnews.com/cars-trucks/advice/suvs-best-gas-mileage (accessed Nov. 17, 2022).

[2] “ What Is the Total Cost of Owning a Car?,” nerdwallet.com/article/loans/auto-loans/total-cost-owning-car (accessed Nov. 17, 2022).

[3] “Environmental Benefits of Fuel-Efficient Cars That All Should Know,” matteroftrust.org/environmental-benefits-of-fuel-efficient-cars-that-all-should-know (accessed Sept. 1, 2022).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide and Shield Insurance Agency

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The cost of Condo Insurance

Shield Sells Condo Insurance

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Health Insurance Bills

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Small Acts of Kindness Are Universal: Global Study Finds People Help Each Other Every 2 Minutes

Kindness, generosity, anger, curiosity

Discover additional blogs by Shield Insurance Agency

Business Interruption Insurance Key Features

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Now that you know the different types of pet insurance, how do you pick the right one for your pet? Here are some factors to consider:

More interesting blogs from Shield Insurance Agency

1. Your Risk Levels

2. Professional Guidance

3. Employment Insurance Laws

4. Insurance Provider Accessibility

5. Premium Costs

6. Geographical Coverage Region

More interesting blog articles from Shield Insurance Agency

Does Your Insurance Meet Your Needs?

A Mom Posted to Find Friends for 24-yo Son with Down Syndrome –the Flood of Support Shocked Her

More great blogs from Shield Insurance Agency

Benefits of fuel-efficient cars

Are fuel-efficient cars better for the environment?

Cars with the Best Gas Mileage

More interesting blogs from Shield Insurance Agency

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