Insurance

The Surprising Way Household Rating Impacts Your Car Insurance Costs

The Surprising Way Household Rating Impacts Your Car Insurance Costs

Posted on by Shield Insurance Agency

Shield Insurance Blog | Household Rating | Start A Quote Today!

When it comes to car insurance, there are many factors that can impact your premiums. From your driving record to the type of car you drive, insurance companies take a variety of factors into consideration when determining your rates. However, one factor that you may not be aware of is your household rating.

What is Household Rating?

Household rating is a term used by insurance companies to determine the risk associated with insuring a particular household. It takes into account the number of drivers in the household, their ages, and their driving records. Insurance companies use this information to assess the likelihood of accidents or claims occurring within the household.

How Does Household Rating Impact Your Car Insurance Costs?

The impact of household rating on your car insurance premiums can be significant. Insurance companies consider households with multiple drivers, especially young or inexperienced drivers, to be at a higher risk of accidents. As a result, they may charge higher premiums to cover this increased risk.

For example, if you have a teenage driver in your household, your car insurance rates are likely to be higher than if you were the only driver. This is because statistics show that teenage drivers are more likely to be involved in accidents. Insurance companies take this into account when determining your rates.

Similarly, if you have multiple drivers with poor driving records in your household, your car insurance premiums may also be higher. Insurance companies view drivers with a history of accidents or traffic violations as a higher risk and therefore charge higher premiums to cover this risk.

On the other hand, if you have a clean driving record and no other drivers in your household, you may be eligible for lower car insurance rates. Insurance companies consider individuals with a good driving record to be less likely to be involved in accidents and therefore charge lower premiums.

How Can You Minimize the Impact of Household Rating on Your Car Insurance Pricing?

While you may not be able to change the number of drivers in your household or their ages, there are steps you can take to minimize the impact of household rating on your car insurance costs.

1. Encourage safe driving: By promoting safe driving habits within your household, you can reduce the likelihood of accidents or claims. This can help lower your car insurance premiums over time.

2. Take advantage of discounts: Many insurance companies offer discounts for safe driving, completing driver’s education courses, or having multiple policies with the same company. Be sure to ask your insurance agent about any available discounts that you may qualify for.

3. Shop around for the best rates: Not all insurance companies weigh household rating the same way. Some may offer more competitive rates for households with multiple drivers or young drivers. By shopping around and comparing quotes from different insurance companies, you can find the best rates for your specific household rating.

4. Consider a different insurance company: If you find that your current insurance company is charging high premiums based on your household rating, it may be worth considering switching to a different company. Shield Insurance Agency, for example, represents over 40 insurance companies and can help you find the best rates for your specific household rating. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, household rating is an important factor that can impact your car insurance costs. Insurance companies consider the number of drivers in your household, their ages, and their driving records when determining your rates. By promoting safe driving, taking advantage of discounts, shopping around for the best rates, and considering a different insurance company, you can minimize the impact of household rating on your car insurance pricing. Remember, Shield Insurance Agency represents over 40 insurance companies and can help you find the best rates for your specific household rating.

More Blogs by Shield Insurance Agency

Read More
Oregon Is Turning Sewage Into an Endless Supply of Green Energy

Green Energy: Oregon Is Turning Sewage Into an Endless Supply

Posted on by Shield Insurance Agency

Good Good Good | SEP 7, 2023 | Green Energy | Shield Insurance Agency Blog

Converting sewage into heat and electricity offers a compelling proposition: more waste equals more green energy and clean power.

In the summer of 2020, as wildfires burned across more than a million acres in Oregon, workers at Clackamas County’s water treatment facility started calling each other.

From their homes, they could see that the towers of flames were closing in on the wastewater treatment plant. Power was failing all over the state.

If the facility lost power, it could flood the Willamette River with untreated waste, causing untold environmental damage.

In the end, the facility remained powered up and the Willamette was spared. But with wildfires and extreme weather increasingly common, the incident underscored how generating and storing renewable power on-site could build resiliency into the system.

“It’s extremely energy-consumptive to treat wastewater,” says Dave Moldal, program manager at Energy Trust of Oregon.

As the region grows in population, the more energy the wastewater plant requires. But what if increasing volumes of wastewater could provide the treatment plant with more energy rather than consume it? That’s exactly what’s been happening at Clackamas County’s Tri-City Water Resource Recovery Facility for the past seven months.

Since August 2021, the plant has been pumping out renewable power produced from methane, a natural byproduct of human waste decomposing in an oxygen-free environment.

Now, this loop of green energy represents a powerful example of how waste can become something we benefit from rather than expend resources disposing of.

By turning human waste into power, wastewater treatment facilities have the potential to become energy generators instead of consumers, while creating clean water that’s returned to the local ecosystem.

When wastewater arrives at Clackamas Water Environment Services’ treatment plant, it contains pretty much what you’d expect — human waste, paper, food, soap, sand — plus a random assortment of items that people accidentally flush or drop into drains, like a miniature Stormtrooper helmet, a Pee-wee Herman doll, and a rubber elephant, all of which are proudly on display at the facility.

However, the individuals who work here don’t consider this to be a mere waste treatment facility. Instead, they see it as a place where clean water and fertilizer for non-food crops is produced. And now, they’ve added a third item to the list of beneficial resources they churn out: green energy.

Visit the full story at Good Good Good

More blogs featured by Shield Insurance Agency

Read More
Garage Fire Alert: Is Your Car Protected by Homeowners Insurance?

Homeowners Insurance 🔥 Garage Fire Alert: Is Your Car Protected?

Posted on by Shield Insurance Agency

Shield Insurance Blog | Homeowners Insurance | Start A Quote Today!

If my garage burns down, will my homeowner’s insurance cover my car? This is a question that many homeowners may have after experiencing a devastating garage fire. The thought of losing both your home and your car in such a tragic event can be overwhelming, but understanding your insurance coverage can provide some peace of mind.

Homeowners Insurance

Garage fire insurance coverage is an important aspect of homeowners insurance. While homeowners insurance typically covers damage to your home and personal belongings, it may also extend coverage to your car if it is damaged or destroyed in a garage fire. However, it’s important to review your policy carefully to understand the specific coverage limits and exclusions.

Homeowner insurance and car coverage go hand in hand when it comes to garage fires. In most cases, if your garage is attached to your home, the damage to your car would be covered under your homeowner’s insurance policy. This coverage typically includes not only the cost of repairing or replacing your car but also any personal belongings that may have been damaged in the fire.

Car Insurance

Car insurance after a garage fire is another consideration. If your garage is detached from your home, your car may be covered under your auto insurance policy rather than your homeowners insurance. It’s important to contact your insurance carrier to determine the appropriate coverage and file a claim as soon as possible.

Insurance coverage for a car in a garage fire can vary depending on the specific circumstances and the terms of your policy. Some policies may provide coverage for the actual cash value of your car, while others may offer replacement cost coverage. It’s important to review your policy and discuss your options with your insurance agent to ensure you have the appropriate coverage in place.

Home insurance and car protection are crucial in the event of a garage fire. Your insurance policy is designed to protect your assets and provide financial support in times of need. By having the right coverage in place, you can have peace of mind knowing that your car will be protected in the event of a garage fire.

Do you have adequate Homeowners Insurance Coverage?

Car coverage in case of a garage fire is not something that should be overlooked. It’s important to review your insurance policy regularly and make any necessary updates to ensure you have adequate coverage. This includes reviewing your coverage limits, deductibles, and any additional endorsements or riders that may be available to enhance your coverage.

Homeowner insurance and car damage go hand in hand when it comes to a garage fire. Your insurance policy is designed to protect your home and its contents, including your car. By having the appropriate coverage in place, you can have peace of mind knowing that you will be financially protected in the event of a garage fire.

Garage fire and auto insurance are also interconnected. If your car is damaged or destroyed in a garage fire, your auto insurance policy may provide coverage for repairs or replacement. It’s important to contact your insurance carrier as soon as possible to file a claim and discuss your options.

Car protection in a garage fire is essential. Your car is a valuable asset, and having the right insurance coverage can help protect you from financial loss. By reviewing your policy and discussing your options with your insurance agent, you can ensure that you have the appropriate coverage in place to protect your car in the event of a garage fire.

In conclusion, it’s important to understand the coverage provided by your homeowner’s insurance in the event of a garage fire. While coverage can vary depending on the specific terms of your policy, most homeowners insurance policies will provide coverage for your car if it is damaged or destroyed in a garage fire. It’s important to review your policy, contact your insurance carrier, and discuss your options to ensure you have the appropriate coverage in place. Shield Insurance Agency represents over 40 insurance companies and can help you find the right coverage for your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

More Blogs by Shield Insurance Agency

Read More
Will my insurance cover a rental car if my car breaks down? Find out now!"

🚗🔧 Will my insurance cover a rental car if my car breaks down? Find out now!

Posted on by Shield Insurance Agency

Shield Insurance Blog | Rental Car | Auto Insurance | Start A Quote Today!

When it comes to car insurance, there are many questions that can arise. One common question that many people have is whether their insurance will cover a rental car if their own car breaks down. In this blog post, we will explore this topic and provide you with the information you need to know.

First and foremost, it is important to understand the different types of coverage available with auto insurance. The most basic type of coverage is liability insurance, which covers damages to other people and their property if you are at fault in an accident. This type of coverage does not typically extend to rental cars.

However, there are other types of coverage that may provide coverage in the event of a breakdown. One such coverage is called comprehensive coverage. Comprehensive coverage is designed to cover damages to your own vehicle that are not the result of a collision, such as theft, vandalism, or natural disasters. Some comprehensive policies may also include coverage for rental cars if your own car is in the shop for repairs due to a breakdown.

Another type of coverage is called roadside assistance or breakdown coverage. This coverage is designed to provide assistance if your car breaks down, such as towing, jump-starting a dead battery, or changing a flat tire. Some roadside assistance policies may also include coverage for a rental auto while your car is being repaired.

It is important to note that not all insurance carriers offer rental auto coverage in the event of a breakdown. It is always a good idea to review your policy or contact your insurance carrier to determine if this coverage is included in your policy. If it is not, you may have the option to add it for an additional premium.

If your insurance policy does not include rental car coverage for breakdowns, there are other options available to you. One option is to purchase rental car insurance from the rental car company itself. This type of insurance typically provides coverage for damages to the rental car and may also include liability coverage. However, it is essential to note that rental car insurance can be expensive and may duplicate coverage that you already have through your own auto insurance policy.

Another option is to consider purchasing a separate breakdown insurance policy. This type of policy is specifically designed to cover the costs associated with a breakdown, including the cost of a rental autowhile your car is being repaired. Breakdown insurance policies can be purchased from various insurance companies and may provide coverage for a wide range of breakdown-related expenses.

In conclusion, whether your insurance will cover a rental car if your car breaks down depends on the specific coverage you have in your policy. Liability insurance typically does not provide rental car coverage, but comprehensive coverage and roadside assistance or breakdown coverage may include this type of coverage. If your policy does not include rental car coverage, you may have the option to add it for an additional premium or consider purchasing rental car insurance from the rental car company or a separate breakdown insurance policy.

If you have any questions about your car insurance coverage or would like to explore your options for rental car coverage, it is always a good idea to contact your insurance carrier or speak with an insurance agent. Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote and personalized advice. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Read More
Renewables are on track to keep getting cheaper and cheaper

Renewables are on track to keep getting cheaper and cheaper

Posted on by Shield Insurance Agency

A new report says that ongoing improvements in renewables tech will keep driving steep cost declines that make them even more competitive against fossil fuels.

Canary Media | Sept 2023 | Alison F. Takemura | Renewables | Shield Insurance Blog

Canary Media’s chart of the week translates crucial data about the clean energy transition into a visual format.

Renewable energy already beats fossil fuels on cost globally — and according to analysts, the gap is only going to grow.

By 2030, technology improvements could slash today’s prices by a quarter for wind and by half for solar, according to the authors of a recent report from clean energy think tank RMI. (Canary Media is an independent affiliate of RMI.)

These remarkable and ongoing cost declines have made clean energy so attractive that it now outcompetes fossil fuels for new investment: 62 percent of global energy investment is expected to flow to clean energy technologies this year.

That cash is helping push renewables to new heights. According to estimates from the International Energy Agency, global clean energy capacity is expected to jump a jaw-dropping 107 gigawatts to more than 440 gigawatts this year — its largest increase ever.

What we’re living in ​“is an energy technology revolution,” said report co-author Kingsmill Bond, an energy strategist at RMI. It’s obvious from the data, yet the point is often lost in ​“a consistent drumbeat of counternarratives” about how difficult it is, and will be, to leave fossil fuels behind, he added.

“U.S. fossil-fuel demand peaked 15 years ago,” Bond said. ​“This is happening; people have just missed it.”

Renewable energy costs have fallen, and are projected to keep falling, because these technologies are riding ​“learning curves”: For every cumulative doubling of the deployed tech, its cost declines by a quantifiable percentage that varies by technology. Learning curves are a robust phenomenon that’s been observed for over 50 kinds of tech. Over the past 40 years, the average learning rate has been 20% for solar and 13% for wind.

That’s the underappreciated power of learning by doing; the more solar panels and turbines people make, the more they discover how to make them better, faster and cheaper. The RMI report’s range of forecasted cost declines is based on both these long-term average learning rates and the higher rates observed in more recent years (30% for solar and 25% for wind).

Fossil fuels, by contrast, have not gotten on empirical learning curves. For more than a century, fossil fuel prices have swung wildly without trending consistently downward. 

Visit Canary Media for the full story

More Blogs by Shield Insurance Agency

Read More
State minimum coverage: Find out if state minimum coverage is leaving you vulnerable

State minimum coverage: Find out if state minimum coverage is leaving you vulnerable

Posted on by Shield Insurance Agency

Shield Insurance Blog | State minimum coverage | Start A Quote Today!

When it comes to auto insurance, many people wonder if they really need more than the state minimum coverage. After all, the state requires a certain level of coverage to legally drive on the roads, so why would you need anything more?

While it may be tempting to stick with the minimum coverage required by law, there are several reasons why it is often a good idea to consider getting additional coverage. In this blog post, we will explore the importance of having more than the state minimum coverage and why Shield Insurance Agency is the best choice for finding the right coverage for your needs.

Shield Insurance Agency represents over 40 insurance companies, which means we have access to a wide range of coverage options. Our experienced agents can help you navigate through the different policies and find the one that best suits your needs and budget. Whether you are a new driver or have been on the road for years, we can help you find the right coverage to protect yourself and your vehicle.

One of the main reasons why it is important to have more than the state minimum coverage is to protect yourself financially in the event of an accident. While the state minimum coverage may be enough to cover damages to the other party involved in the accident, it may not be enough to cover your own medical expenses or repair costs. Without adequate coverage, you could be left with a hefty bill that you have to pay out of pocket.

Having more than the state minimum coverage can also provide you with peace of mind. Knowing that you have comprehensive coverage that will protect you in a variety of situations can help alleviate the stress and worry that often comes with driving. Whether it is a minor fender bender or a major collision, having the right coverage can make all the difference in how you handle the situation.

Another reason to consider getting more than the state minimum coverage is to protect your assets. If you are found at fault in an accident and the damages exceed your coverage limits, you could be held personally responsible for the remaining costs. This could include not only the damages to the other party’s vehicle but also any medical expenses or legal fees that may arise. By having additional coverage, you can help safeguard your assets and protect yourself from potential financial ruin.

At Shield Insurance Agency, we understand that everyone’s insurance needs are different. That is why we offer a personalized approach to finding the right coverage for you. Our agents will take the time to understand your specific needs and budget and then work with our network of insurance companies to find the best policy for you. We believe in providing our clients with options and ensuring that they have the information they need to make an informed decision.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are here to help you navigate the often confusing world of insurance and find the coverage that is right for you. Don’t leave your financial future to chance – let Shield Insurance Agency help you protect what matters most.

Read More
This Terrifying Alien-Like Creature With 20 Arms Was Just Found In The Depths Of The Antarctic Ocean

This Terrifying Alien-Like Creature With 20 Arms Was Just Found In The Depths Of The Antarctic Ocean

Posted on by Shield Insurance Agency

All That’s Interesting.com | By Austin Harvey | August 17, 2023 | Alien-Like Creature | More Blogs

The Promachocrinus fragarius, or Antarctic strawberry feather star, sports around 20 feather-like arms for navigation and additional clawed tendrils used for crawling along the ocean floor, an alien-like creature.

Marine scientists have recently confirmed the existence of a new species of invertebrate living in the waters of Antarctica — a terrifying strawberry-like sea creature with 20 arms

Named Promachocrinus fragarius, or “Antarctic strawberry feather star,” this newly discovered sea creature’s name might be something of a shock at first glance. Surely, it doesn’t look much like a strawberry at all. But upon further inspection, the little nub at the base of its 20-something arms does indeed resemble the titular fruit.

Greg Rouse, a marine biology professor at the University of California, San Diego, co-authored the study chronicling the discovery of the Antarctic strawberry feather star. Speaking with Insider, Rouse explained that in photographs, the team removed some of the creature’s cirri — the smaller tentacle-like strings protruding from its base — to show off its strawberry-like shape.

“We’ve taken away a bunch of the cirri so you can see the parts that they’re attached to, and that’s what looks like a strawberry,” he said. Rouse added that the cirri have small claws at the end, which allow them to hold on to the bottom of the seafloor.

Fragarius is from the Latin “fragum,” meaning strawberry.

The creature’s arms, meanwhile, are much longer and feathery. As the appendages are a bit more spread out, the creature is able to move elegantly through the ocean waters.

The team from the Scripps Institution of Oceanography published their findings in the journal Invertebrate Systematics in July 2023.

Technically, the Antarctic feather star falls under the Crinoidea class, placing it in the same category as starfish, sea urchins, sand dollars, and sea cucumbers.

More on the story…

Read More
Comprehensive Car Insurance Coverage Everything You Need to Know - Shield Insurance Blog

Comprehensive Car Insurance Coverage: Everything You Need to Know

Posted on by Shield Insurance Agency

Shield Insurance Blog | Comprehensive Car Insurance | Auto Insurance | Start A Quote Today!

What is covered by comprehensive car insurance?

Car insurance is a necessity for every driver on the road. It provides financial protection in case of accidents, theft, or damage to your vehicle. One of the coverage options available is comprehensive physical damage coverage. But what exactly does it cover? In this blog post, we will explore the details of comprehensive physical damage coverage and help you understand its benefits.

Comprehensive physical damage coverage, often referred to as comprehensive coverage, is an optional coverage that protects your vehicle against non-collision damages. It covers a wide range of perils that can cause damage to your car, such as theft, vandalism, fire, falling objects, natural disasters, and more. Unlike collision coverage, which only covers damages resulting from a collision with another vehicle or object, comprehensive coverage provides protection against a broader range of risks.

Let’s take a closer look at some of the specific perils covered by Comprehensive Car Insurance for physical damage:

1. Theft: If your car is stolen, comprehensive coverage will reimburse you for the value of your vehicle, up to its actual cash value. This can be a significant relief, especially if you have a high-value or expensive car.

2. Vandalism: If your car is intentionally damaged by someone, comprehensive coverage will cover the cost of repairs. This can include acts of vandalism like keying, graffiti, or broken windows.

3. Fire: If your car is damaged or destroyed by fire, comprehensive coverage will pay for the repairs or replacement of your vehicle. This can be particularly important if you live in an area prone to wildfires or if your car catches fire due to a mechanical failure.

4. Natural disasters: Comprehensive coverage also protects your vehicle against damages caused by natural disasters such as hurricanes, tornadoes, earthquakes, floods, or hailstorms. These events can cause significant damage to your car, and having comprehensive coverage ensures that you are financially protected.

5. Falling objects: If a tree branch, debris, or any other object falls on your car and causes damage, comprehensive coverage will cover the cost of repairs or replacement.

6. Animal collisions: If you hit an animal while driving, comprehensive coverage will cover the damages to your vehicle. This can include collisions with deer, dogs, cats, or any other animal.

7. Glass damage: Comprehensive coverage often includes coverage for glass damage, such as cracked windshields or broken windows. Some insurance companies may offer separate glass coverage, so it’s important to check your policy details.

It’s important to note that comprehensive coverage does not cover damages resulting from a collision with another vehicle or object. For that, you would need collision coverage. However, comprehensive coverage can be combined with collision coverage to provide more comprehensive protection for your vehicle.

Comprehensive physical damage coverage is not mandatory in most states, but it is highly recommended, especially if you have a newer or more valuable vehicle. Without comprehensive coverage, you would be responsible for paying for repairs or replacement out of pocket in case of non-collision damages.

Comprehensive Car Insurance Deductible

When considering comprehensive coverage, it’s important to understand the deductible associated with the coverage. A deductible is the amount you are responsible for paying before your insurance coverage kicks in. For example, if you have a $500 deductible and your car sustains $2,000 worth of damages, you would be responsible for paying the first $500, and your insurance would cover the remaining $1,500.

The cost of comprehensive coverage can vary depending on several factors, including the make and model of your vehicle, your location, your driving history, and the deductible you choose. It’s always a good idea to shop around and compare quotes from different insurance companies to find the best coverage at the most affordable price.

In conclusion, comprehensive physical damage coverage provides valuable protection for your vehicle against non-collision damages. It covers a wide range of perils, including theft, vandalism, fire, natural disasters, falling objects, animal collisions, and glass damage. While not mandatory, comprehensive coverage is highly recommended, especially for newer or more valuable vehicles. Understanding the deductible and shopping around for the best coverage and price are essential steps in securing comprehensive coverage for your car. With comprehensive coverage, you can have peace of mind knowing that you are financially protected against unexpected damages to your vehicle.

Shield Insurance Agency represents over 40 insurance companies. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

More Blogs by Shield Insurance Agency

Read More
Discover the Hidden Benefits of Medical Pay Coverage on Your Car Insurance - Shield Insurance Blog

Discover the Hidden Benefits of Medical Pay Coverage on Your Car Insurance

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Medical Pay Coverage | Contact Shield Today | Start A Quote

Car accidents can happen unexpectedly, leaving individuals with not only physical injuries but also financial burdens. In such situations, having the right insurance coverage can make a significant difference. One important aspect of car insurance that often goes unnoticed is Med Pay coverage. In this blog post, we will explore what Med Pay coverage is, its benefits, and why it is essential to consider when purchasing a car insurance policy. Additionally, we will introduce Shield Insurance Agency, a trusted provider representing over 40 insurance companies, and provide contact information for those interested in obtaining a free quote.

Understanding Medical Pay Coverage:

Med Pay coverage, short for Medical Payments coverage, is an optional add-on to a car insurance policy that helps cover medical expenses resulting from a car accident, regardless of who is at fault. This coverage is designed to provide immediate financial assistance for medical bills, regardless of whether the injured party has health insurance or not. Med Pay coverage typically covers expenses such as hospital visits, surgeries, X-rays, ambulance fees, and even funeral costs in the event of a fatality.

Benefits of Medical Pay Coverage:

  • Immediate Financial Assistance: Med Pay coverage ensures that medical expenses are covered promptly, allowing individuals to focus on their recovery rather than worrying about mounting bills.
  • No-Fault Coverage: Unlike liability coverage, Med Pay coverage is not dependent on determining fault in an accident. It provides coverage regardless of who caused the accident, making it a valuable asset in situations where fault is disputed or unclear.
  • Supplemental Coverage: Med Pay coverage can act as a supplement to health insurance, covering deductibles, co-pays, and other out-of-pocket expenses that may not be fully covered by health insurance policies.
  • Coverage for Passengers: Med Pay coverage extends to passengers in the insured vehicle, ensuring that their medical expenses are also covered in the event of an accident.
  • Peace of Mind: Knowing that medical expenses will be taken care of in the event of an accident can provide peace of mind to policyholders and their families, alleviating the stress associated with unexpected medical bills.

Why Choose Shield Insurance Agency:

Shield Insurance Agency is a reputable insurance provider representing over 40 insurance companies. With their extensive network of insurance carriers, they can offer a wide range of coverage options tailored to individual needs. Their experienced agents are well-versed in the intricacies of Med Pay coverage and can guide customers through the process of selecting the right policy.

Contact Shield Insurance Agency for a Free Quote:

For those interested in obtaining a free quote for car insurance or learning more about Med Pay coverage, Shield Insurance Agency is just a phone call away. By dialing (616) 896-4600, individuals can speak with a knowledgeable agent who will provide personalized assistance and answer any questions. Alternatively, the quoting process can be initiated by visiting the provided link, where an agent will be in touch soon to discuss specific insurance needs.

Med Pay coverage is an essential component of a car insurance policy that provides immediate financial assistance for medical expenses resulting from a car accident. Shield Insurance Agency, representing over 40 insurance companies, is a trusted provider that can help individuals find the right coverage to suit their needs. Whether it’s obtaining a free quote or learning more about Med Pay coverage, Shield Insurance Agency is committed to providing excellent customer service and ensuring that individuals have the necessary protection in place. Don’t wait until it’s too late – contact Shield Insurance Agency today to secure the peace of mind you deserve.

Visit more blogs at Shield Insurance Agency

Read More
Home Business Boom: Ensuring Your Home Insurance Covers Your Side Hustle

Home Business Boom: Ensuring Your Home Insurance Covers Your Side Hustle

Posted on by admin

Shield Insurance Blog | Home Insurance | Start A Quote Today!

The rise of home-based businesses is a defining trend of our times. Whether you’re crafting handmade jewelry, offering freelance services, or selling products online, your home is your business headquarters. But have you considered how this entrepreneurial endeavor might affect your home insurance? Shield Insurance Agency, providing home insurance in Michigan, wants to help you better understand how your side hustle may affect your home insurance. 

Assessing Your Current Home Insurance Coverage

Before diving into the intricacies of insuring your home-based business, review your existing home insurance policy. Typically, standard homeowners or renters insurance covers personal property but may not encompass business-related items or liabilities. Understanding your current coverage is the first step in addressing any gaps.

Business Endorsements or Riders

To safeguard your side hustle, consider adding business endorsements or riders to your existing policy. These specialized add-ons can extend coverage to include business equipment, inventory, and even liability related to your home-based business activities. Keep in mind that the extent of coverage varies, so discuss your specific needs with your insurer.

Home Insurance Liability Protection

Running a home business means interacting with clients or customers on your property. If someone gets injured during a business-related visit, your standard policy might not cover it. Liability protection is essential to address such scenarios. Discuss options with your insurer to ensure adequate coverage.

Consult With Us

The home business boom is here to stay, offering exciting opportunities for entrepreneurs. However, it’s vital not to overlook the implications for your insurance. Assess your current coverage, explore business endorsements, and secure liability protection to ensure that your side hustle thrives while your home remains protected. The team at Shield Insurance Agency, serving the state of Michigan, can help you. Call or email us to learn more. 

More Blogs by Shield Insurance Agency

Read More