Shield Insurance Nominated for Business Excellence Award - Shield Insurance Agency Blog

Join the Celebration: Shield Insurance Agency Recognized for Business Excellence!

Shield Insurance Agency | Shield Blog | About Us | Start A Quote Today! | Business Excellence Award

We are pleased to announce that Shield Insurance Agency has been nominated for the prestigious Business Excellence Award. This recognition is a testament to our commitment to providing exceptional insurance services and our dedication to our clients.

The Business Excellence Award is given to companies that have demonstrated outstanding performance, innovation, and leadership in their respective industries. It recognizes organizations that have achieved significant growth, maintained high ethical standards, and made a positive impact on their communities.

We are honored to be considered for this award and would like to express our gratitude to our clients for their continued support and trust in our services. This nomination serves as motivation for us to continue delivering the highest level of service and to constantly improve our offerings.

We would also like to extend our appreciation to our dedicated team members who have worked tirelessly to ensure the success of our agency. Their hard work, expertise, and commitment to excellence have been instrumental in our nomination for this prestigious award.

Winners of the Business Excellence Award will be announced at a ceremony later this year. We are excited about the opportunity to be recognized among other outstanding businesses and look forward to the results.

Once again, we would like to thank everyone who has contributed to our success and helped us achieve this nomination. We remain committed to providing exceptional insurance services and being a trusted partner for all our clients’ insurance needs.

Thank you for your continued support.

Big News from the Hudsonville Chamber of Commerce!

It’s Awards Season!


The Chamber is SO excited to be hosting the Chamber Awards once again this year!

Here are our nominees for the 2021 Awards!
::::: drumroll :::::

Business Excellence Award

  • Hudsonville Physical Therapy
  • Advent Physical Therapy
  • Shield Insurance Agency

Leadership Award

  • Dr. Therese House-Vereeke
  • Patrick Waterman
  • Mary Jane Schreur

Spark Award

  • Hand 2 Hand Ministries
  • Meijer
  • Joy 99

The winners of the Awards will be announced at our official Awards Ceremony MEAL. June 17th at noon at the Pinnacle Center.

Make sure to get registered, we hope to see you there!


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Michigan Tornado - Shield Insurance Agency Blog

Michigan Tornado: Be Prepared

Michigan Tornado

On average Michigan has 15 tornadoes per year. Tornadoes are known to develop rapidly, with little advanced warning. The average lead time for a Michigan tornado warning is 10 to 15 minutes and winds can reach over 200 mph, which is why Michigan residents are encouraged to prepare and make a plan before a tornado strikes.

Each year during Severe Weather Awareness Week, a statewide tornado drill is held so you can practice your plan.

BE PREPARED:

Terms:

Michigan Tornado Watch: Tornadoes are possible. When there is a Watch, move near enough to a shelter or sturdy building to be able to get inside quickly if there is a Warning or if you see signs of a tornado approaching. Remain alert for approaching storms. Watch the sky and stay tuned to NOAA Weather Radio, commercial radio, or television for information.

Michigan Tornado Warning: A tornado has been sighted or indicated by weather radar. Take shelter immediately.

Supercell: A system producing severe thunderstorms, featuring rotating winds sustained by a prolonged updraft that may result in hail or tornadoes.

Enhanced Fujita (EF) Scale: Rates the strength of tornadoes in the United States and Canada. There are six categories for the EF scale and are in order of increasing intensity. *It is based on wind estimates of a 3-second gust.*

  • EF0: Tornadoes with an estimated wind speed of 65-85 mph and leads to light damage.
  • EF1: Estimated wind speed of 86-110 mph with the potential of moderate damage.
  • EF2: Estimated wind speeds of 111-135 mph with significant damage potential.
  • EF3: Estimated wind speeds of 136-165 mph with severe damage potential.
  • EF4: Estimated wind speeds of 166-200 mph with devastating damage potential.
  • EF5: Estimated wind speeds of over 200 mph with incredible damage potential.

Before a Michigan Tornado:

  • Identify safe rooms built to FEMA criteria or ICC500 storm shelters or other potential protective locations in sturdy buildings near your home, work, and other locations you frequent so you have a plan for where you will go quickly for safety when there is a Warning or an approaching tornado.
  • For schools, malls, and other buildings with long-span roofs or open space plans, or many occupants, ask the building manager to identify the best available refuge. 
  • Build an emergency kit and make a family communications plan.
  • Sign up for your community’s warning system.  The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts.  If your community has sirens, become familiar with the warning tone.
  • Listen to NOAA Weather Radio or to commercial radio or television newscasts for the latest information. Meteorologists can predict when conditions might be right for a tornado.  In an emergency, always listen to the instructions given by local emergency management officials.
  • Be alert to changing weather conditions.  Look for approaching storms.
  • Look for the following danger signs:
    • Dark, often greenish sky
    • Large hail
    • A large, dark, low-lying cloud (particularly if rotating)
    • Loud roar, similar to a freight train.
    • If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.

During a Tornado:

  • If you are under a tornado warning, seek shelter immediately!  Most injuries associated with high winds are from flying debris, so remember to protect your head.
  • If you are in school, nursing home, hospital, factory, shopping center, high-rise building then:       
    • Go to a pre-designated area such as a safe room built to FEMA criteria, basement, storm shelter, or the lowest building level. If there is no basement, go to the center of a smaller interior room, such as a closet or hallway, that is away from corners, windows, doors, and outside walls. Put as many walls as possible between you and the outside. Get under a sturdy table and cover your head and neck with your arms and cover your body as best you can e.g., with a heavy coat or blankets, pillows.
    • In a high-rise building, go to a small interior room or hallway on the lowest floor possible.
    • Do not open windows.

After The Tornado

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The Ultimate RV Insurance Guide - Shield Insurance Agency Blog

The Ultimate RV Insurance Guide

The Ultimate RV Insurance Guide

One of the first things a person must consider after purchasing an RV is RV insurance. That said, camper insurance can be a bit confusing and overwhelming. Often, this means an RV owner ends up with insufficient coverage or the wrong type of insurance altogether. This is something that can backfire terribly in the long run.

If you’re feeling overwhelmed by all there is to know about motorhome insurance, know that you are not alone. In fact, there are so many people looking for information on this very topic that we’ve decided to put together a guide to make things as clear-cut as possible.

What is RV Insurance?

We’ll start at the very beginning by talking a bit about what RV insurance is. As you might imagine, motorhome or travel trailer insurance is a lot like auto insurance (or even homeowners insurance) in a lot of ways.

Essentially, this insurance protects you and your RV should something go wrong while you’re out camping, or when the rig is in storage. That said, there are some key differences between RV insurance and auto insurance or homeowners insurance. Most of these involve the items and events that are covered.

Is this Insurance Required?

You may be wondering if you really need camper insurance at all. The answer? It depends.

The owners of motorhomes of all shapes and sizes must, at the very least, hold liability insurance in order to drive their motorhomes legally. Of course, if you have a loan out on your motorhome, you will probably need to carry much more than just liability insurance—and honestly, this is what we recommend anyway.

If you have a towable RV and you own it outright, you are not legally required to hold any kind of travel trailer insurance policy. However, if you are paying off a loan on the trailer, the lender will likely require you to keep a certain level of insurance until the loan is paid off in full.

It’s also important to note that some campgrounds require campers to have insurance on their RVs. If this is the case, they will request to see valid proof of insurance before allowing you to stay.

Even if you don’t have a loan on your trailer and don’t visit campgrounds that require every camper to have insurance, we still highly recommend holding an insurance policy. Depending on the policy you choose, your insurance could protect you should a person be injured by your trailer. It will also protect your investment should something happen to the camper.

Types of RV Insurance

There are many different types of insurance coverage for RVers. There are policies for motorhomes, which usually include the things you might see on a car policy—bodily injury and property damage liability, uninsured motorist, personal injury protection, and so on.

Motorhome policies may be liability only, or they may include collision and comprehensive insurance, so be sure you know what you’re getting before you purchase anything.

Additionally, there is insurance specifically for travel trailers and fifth wheels. These policies can also be full coverage policies or liability only. However, they will not include coverages that involve on-the-road incidents, as these things should be covered by the insurance you carry on your tow vehicle

Finally, we must mention full-time RV insurance. These policies protect those who live in their RVs full-time by covering the possessions in their RV and helping them find a place to stay should their RV be totaled.

As you might’ve guessed, full-time RV insurance is more expensive than typical RV insurance, so you will want to be prepared to pay a pretty penny for such coverage.

What Does the Insurance Include?

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How to Get the Best Fuel Economy - Shield Insurance Agency Blog

How to Get the Best Fuel Economy

Try our test-based tips to save at the pump, and see which myths we bust

How you drive can significantly affect your fuel economy. That’s the key finding of CR’s fuel-economy tests. Even when fuel prices are very low, you can still save serious money by making small changes to your driving style and habits.

CR has gathered its best test-based tips and techniques for getting the most gas mileage from your car to help ease the pain at the pump.

The FAQ below addresses common questions we receive and dispels some fuel-economy myths.  

What’s the Best Way to Cut Fuel Costs?

Slow down. In our tests, we’ve found that driving faster on the highway can really take a bite out of a car’s fuel efficiency.

We measured gas mileage while driving at a steady 55, 65, and 75 mph in a Nissan Altima and Toyota RAV4. Reducing speed from 65 mph to 55 mph improved fuel economy by 6 mpg in the Altima and 8 mpg in the RAV4. 

The penalty of cruising at 75 mph, rather than 65 mph, was almost 7 mpg in the Altima and 6 mpg in the RAV4. 

These findings are similar to what we have recorded in the past, once again proving that higher speeds exact a toll on fuel consumption. 

Another way to look at it: Speeding up from 55 to 75 mph is like moving from a compact car to a large SUV. Beyond fuel concerns, speeding is, of course, a safety risk as well.

Avoid hard acceleration and braking whenever possible. In our tests, frequent bursts of acceleration and braking reduced an older Toyota Camry’s mileage by 2 to 3 mpg. Once up to speed on the highway, maintain a steady pace.

The harder you accelerate, the more fuel you use. Unnecessary braking wastes the fuel you used to get up to speed. Drive smoothly and anticipate the movement of traffic. Once up to speed, maintain a steady pace. Smooth acceleration, cornering, and braking also extend the life of the engine, transmission, brakes, and tires.

What’s the Impact of Carrying Stuff on the Roof?

At highway speeds, more than 50 percent of engine power goes to overcoming aerodynamic drag. Don’t add to that by carrying unneeded things on the roof. We did fuel economy tests at highway speed on a Nissan Altima and Toyota RAV4 with a roof rack, tail-hitch rack, and a roof-top box.

Carrying two mountain bikes on the roof had the biggest impact. The Altima lost 13 mpg, going from 46 mpg down to 33. The RAV4 lost 7 mpg, dropping to 32 mpg from 39 mpg.

There’s even a loss when driving with the empty roof rack installed: The Altima dropped 5 mpg and the Toyota lost 2 mpg.

The Nissan lost 12 mpg with the bikes on the hitch-mounted rack, while the RAV4 was down only 5 mpg. The bikes stuck out to the sides of the sedan, which created extra drag. They were mostly hidden behind the wider, boxier RAV4’s bodywork.

The roof-top box resulted in a 9 mpg decrease for the Altima, and a 5 mpg drop for the RAV4.

Overall, the aerodynamic drag doesn’t hurt the more boxy RAV4 as much as the sleeker Altima. 

Going across town, this may not be a concern. But on a multistate family road trip, a carrier or rack on the roof would have a real impact on fuel costs. And it could create some annoying wind noise. 

Use AC or Open Windows?

The harder the AC system has to work, the worse the impact on fuel economy. When we measured the fuel-economy difference in a  2008 Ford Focus, Honda  Accord, and Subaru Forester, we found that fuel use with the  AC running went up with higher outside temperatures.  

At 55° F, there were negligible differences. But when we measured again on days when the temperature was in the low 70s and high 80s, we got fewer miles per gallon with the AC on.

In general, expect a drop from 1 to 4 mpg with the air conditioning running. The effect of opening the windows at 65 mph was not measurable. In any case, the AC helps dehumidify the cabin, which can contribute to keeping the driver alert and safe. We think that’s a worthwhile trade-off.

How Far Can You Go When the Low-Fuel Warning Light Comes On?

There is no set rule, but most cars have a reserve of between 1 and 2 gallons of gas when the light goes on, or enough to travel about 40 to 50 miles or so at a moderate speed.

To maximize those last couple of gallons, we suggest slowing down and maintaining a steady pace. Because you never know what challenges life will serve up, including traffic, don’t rely on the light as your cue to fill up. 

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Revenge Travel Will Be All The Rage Over The Next Few Years - Shield Insurance Agency Blog

‘Revenge Travel’ Will Be All The Rage Over The Next Few Years

‘Revenge Travel’ Will Be All The Rage Over The Next Few Years

By Caroline Bologna | 03/19/2021 12:17pm EDT | Updated April 6, 2021 | Huffpost.com

With the vaccine rollout picking up pace, Americans are starting to feel more cautiously optimistic about the prospect of traveling again, and it’s called Revenge Travel.

Those in the travel industry are hoping for a surge in bookings in the coming months and years. A sense of wanderlust has been building, after all ― it’s only natural that we’ll want to explore new places after so much time at home. Many are calling this phenomenon “revenge travel.”

But what exactly does “revenge travel” mean and how might it manifest? HuffPost asked travel experts to share their thoughts about “revenge travel” and the future of Americans’ vacation plans.

What is ‘revenge travel’?

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Careful when choosing your deductible - Shield Insurance Agency Blog

Careful when choosing your deductible

Choosing Your Deductible | Shield Insurance Agency Blog | Start A Quote Today!

Careful when choosing your deductible

A high deductible is often a great way to keep your insurance premiums down.  However, you shouldn’t set a deductible that is so high that you cannot afford to pay the deductible when you have a claim.  I’ve seen people change their collision deductible from a $500 deductible to a $1,000 deductible because money was tight and this allowed them to save about $10 per month on the premium.

Wouldn’t you know it, but not even 2 months later they ended up in an At-Fault accident.  Money was tight so they didn’t have that $1,000 to get the vehicle repaired. It took forever to save up that $1,000 so they were down to one vehicle which made it tough getting back and forth to work.

Please make sure you have something in savings for an emergency.  Whether it’s a car accident or your furnace breaks down. Emergencies will happen, but if you’re prepared, you can transform that emergency into an inconvenience.

submitted by Joe


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Insurance Terms Important to Know - Shield Insurance Agency Blog

Insurance Terms Important to Know

Shield Insurance Agency & Foremost Insurance Company present Insurance Terms

Every industry has its own unique language – and insurance is no exception. Here are some key insurance definitions and terms you might come across as you consider insuring yourself or your stuff.

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Hemingway and Michigan Summers - Shield Insurance Agency Blog

Hemingway & Michigan Summers

Shield Insurance Blog | Hemingway |

Ken Burns’ Hemingway Documentary Includes Michigan Summers

By MYNORTH NEWS SERVICE on March 12, 2021

Award-winning filmmakers Ken Burns and Lynn Novick direct the upcoming three-part, six-hour documentary on Ernest Hemingway, including historical photographs of the writer’s summers spent in Northern Michigan.

The series about Hemingway, the iconic literary figure considered one of the greatest American writers, will premiere on central and Northern Michigan PBS affiliate, WCMU Public Media, April 5 at 8 p.m., and include voice actors Jeff Daniels as Hemingway; plus Meryl Streep, Keri Russell, Mary-Louise Parker, and Patricia Clarkson as Hemingway’s four wives. The documentary series will also include historical photographs of Hemingway’s time spent in Northern Michigan, provided by Michigan’s Clarke Historical Library.

“The extraordinary pictures in the photo albums at the Clarke Library are absolutely irreplaceable to our film,” shares filmmaker Lynn Novick about the important photographs the Clarke Historical Library provided for the documentary series. “They make it possible for us to represent Hemingway’s family and life in Michigan in the most vivid, tangible, and authentic way, and we are so grateful to be able to include them.”

In anticipation of this series, and to explore Hemingway’s deep ties to Northern Michigan along with how they influenced his attitudes, passions, and writings, WCMU Public Media is partnering with the Clarke Historical Library and noted Hemingway historian Michael Federspiel for “Hemingway in Michigan: A Live Streaming Event” Wednesday, March 31 at 6 p.m.

During this virtual event, attendees will enjoy “Let’s Go Back” video stories featuring the Clarke Historical Library’s Hemingway Collection containing one-of-a-kind items from the legendary author’s life, watch an exclusive advanced preview of the Hemingway documentary series before its April 5 nationwide premiere on PBS, and participate in a question-and-answer session with Hemingway experts, including filmmaker Lynn Novick and producer Sarah Botstein.

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Insurance Rates and Your Credit Score - Shield Insurance Agency Blog

Insurance Rates and your Credit Score

How credit affects auto insurance: Rates could increase up to 72%

Kacie Goff /October 15, 2020

Article Highlights

Before offering you a policy, insurance providers analyze your risk profile by looking at things like your driving history, as well as personal details, such as age or marital status. This evaluation is used in determining your premium. 

But there’s another somewhat surprising factor that affects your premiums in all but three states: your credit score. Unless you live in California, Massachusetts, or Hawaii, expect your credit score to affect how much you pay to insure your car, at least to some degree. 

You may already be familiar with your credit score as determined by the three major credit bureaus, TransUnion, Experian, and Equifax, it’s important to know that insurers assign you an insurance credit score that varies from your traditional credit score. While your credit score plays a role in that insurance score, additional factors are also involved.

It’s important to understand why credit affects car insurance. Carriers’ proprietary credit-based insurance score provides a way to check two things: your likelihood of making insurance payments on time and your likelihood of filing a claim.  

While insurance carriers use a more complex algorithm to calculate premiums based on your insurance credit score, for the sake of this study, Coverage simplified the ratings by classifying insurance scores into three general categories: “good,” “average” and “poor” credit. This is to give you a general idea of the premium impact by credit tier. 

Can credit scores be evaluated for auto insurance rates?

Short answer: yes, in most states. California, Massachusetts, and Hawaii are the exceptions here.

Michigan is a bit of a gray area, too. In Michigan, you might be mostly off the hook. Insurers can’t use your credit score, but they can look at your credit information. That means a low score won’t necessarily increase your rates, but a history of missed payments might make an insurance provider wary, and could ultimately affect your rates. 

Let’s look closer at why credit affects car insurance rates. Studies, including a Congress report by the Federal Trade Commission, have shown that a lower score means you’re a higher risk for your insurer. A poor score directly correlates to an increased risk of filing a claim. 

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