Shield Insurance Agency Blog

Welcome to the Shield Insurance Agency Blog. 

Here you will find a ton of articles on each of these topics: Auto Insurance, Boat/Watercraft Insurance, Business Insurance, Flood Insurance, Health Insurance, Home Insurance, Insurance, Life Insurance, Michigan Auto Insurance Reform, Recreational Insurance, Renters Insurance, RV Insurance, Things To Do At Home, Umbrella Insurance, and even a list of the Shield Agency Weekly Gift Card Winners,

If you have any suggestions for content, please drop us an email.

Springtime in West Michigan means tulip time! Shield Insurance Agency Blog

Springtime in West Michigan means tulip time!

Posted on by Shield Insurance Agency

Spring is here despite the snow and cold which means Holland’s Tulip Time is right around the corner! A long-established tradition for not only West Michigan but the world, Tulip Time helps Hollanders and others alike remember the area’s Dutch roots.  This year’s celebration is set for the second week of May from the 7th through the 14th. Starting with a 5k/10k run and ending with fireworks Tulip time has something for the whole family.

Did you know??

  • Tulip time started in 1928 to celebrate the area’s Dutch heritage. Only during WW2 did they discontinue the major festivities and only held a small flower show and music.
  • They first purchased 100,000 tulip bulbs from the Netherlands to plant around the city. They now have 4.5 million planted around the greater Holland area.
  • The festival activity of Klompen dancing started with just 12 dancers and has grown over the years to 1,000.

If you want to track the progress of the Holland Tulips you can visit the tulip tracker at http://www.cityofholland.com/parksandcemeteries/tulip-tracker-centennial-park 

Windmill Island is a special place during Tulip Time. The island is 36 acres with 150,000 tulips and a working 250-year-old windmill.

For more information on the parades, dancing, food, and tulips visit: http://www.tuliptime.com/

submitted by Autumn

Recent Posts

Read More
Flood Insurance - Shield Insurance Agency Blog

Flood Insurance: What is Covered

Posted on by Shield Insurance Agency

Shield Insurance Blog | Flood Insurance | Contact our office!

Back in August we talked about the definition of a flood and how it affects clients in Michigan. I would like to continue that topic and discuss what is actually covered by a flood insurance policy.  According to the NFIP, generally, physical damage to your building or personal property “directly” caused by a flood are covered by your flood insurance policy.  Here is a brief list (not limited to) of what is covered under “Building” coverage:

  • The insured building and it’s foundation
  • The electrical and plumbing systems
  • Central air conditioning equipment, furnace and water heaters
  • Refrigerators, cooking stoves and built-in appliances like dishwashers
  • Permanently installed carpet over an unfinished floor
  • Detached garage (up to 10% of building coverage)
  • Debris removal

A brief list of what is covered under the “Personal Property” coverage:

  • Personal belongings such as clothing, furniture and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not included in building coverage
  • Clothes washers and dryers
  • Food freezers and the food in them

What is not covered by either Building or Property Coverage:

  • Damage caused by moisture, mildew or mold that could have been avoided by the property owner.
  • Currency, precious metals and valuable papers such as stock certificates.
  • Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, patios, fences, seawalls, hot tubs and swimming pools.
  • Living expenses such as temporary housing
  • Financial loss caused by business interruption
  • Most self propelled vehicles such as cars, including their parts.

Now, with all of the above being said, we will discuss next time the coverage limitations in a basement.  Stay tuned because I think you will be surprised.

*Lists taken from the FEMA National Flood Insurance Program Summary of Coverage.*

Submitted by Tammy

Read More
RANT Why Do Some People Hate Insurance Companies - Shield Insurance Agency Blog

RANT: Why Do Some People Hate Insurance Companies?

Posted on by Shield Insurance Agency

Shield Insurance Blog | Insurance Companies | Contact Us Today!

Why do some people hate insurance companies?  

OK… The big giant asterisk here first… Some of what I’m about to say is unproven, although I believe it to be true.  Feel free to email me to dispute what I say and I will be happy to listen to what you have to say about this.  Education on a topic is sometimes skewed by one’s beliefs, so I’m going to try to be unbiased.  🙂

Insurance company’s profits are usually around 3% !!!  They are highly regulated by the States. People complain that their rates are too high.  Can people see that insurance companies are simply a pass-through for our money?

Car crashes… SOME car repair companies sometimes over-quote since they know insurance is involved.  We tell people to please get 3 quotes.  Sometimes, they are 50% apart!!  I KNOW this is true SOMETIMES for glass companies too.  You can tell them that there’s no insurance involved and get a quote for $180 for a windshield, and someone else calls back on the same day for the same exact car and they say there is insurance involved and it’s over $400??  The list of examples goes on and on and on.

How about Fraud.  

Insurance companies have to employ people to fight this!  I don’t have a lot of stats on this, but I know it’s a HUGE deal and it makes our premiums go up and up and up! Some fraud is black and white, but others… not so much… did you have a fire?  how much was that watch that got burned up worth?  Even some good people will stretch the truth!

Frivolous lawsuits.  

Yep, they’re out there… lots and lots and lots of them.  Here again, I don’t have stats at hand, but I know it’s another big deal that the insurance companies have to hire people to fight against and many times just payout to settle to reduce court costs whether right or wrong!  Not to mention valid lawsuits where people get more than they deserve?  OK… I know this is debatable on many levels, so please don’t grill me or razz me on this one!!

You can apply these issues to any type of insurance!  Car, Home, and Health (have you seen pharmaceutical profits!!??) are probably the big ones.  I know Medical Malpractice is a big one too, but I’m not much of an expert on this one, but I heard 1/3 of doctor’s salaries go to pay for this.

So the next time you want to complain about your insurance rates, trust me, I completely agree…. but please don’t blame the insurance companies!!!

Submitted by Andy

Read More
End of Summer Road Trip? Be safe! Be Smart! - Shield Insurance Agency Blog

End of Summer Road Trip? Be safe! Be Smart!

Posted on by Shield Insurance Agency

Shield Insurance Blog | Summer Road Trip | Start A Quote Today!

Whether you’re traveling alone, with a buddy, or with your spouse and a car full of kids, there are few things more “American” than the long-distance road trip. Countless vacation travelers will drive the highways looking for fun and making memories with every mile. If traveling down the “holiday road” is in your plans, take the time to prepare for your trip. You’ll have a more enjoyable vacation if you plan carefully. Here are a few driving tips, courtesy of Shield Insurance:

Summer Road Trip Safety

1) Maintain your car. Make sure your vehicle is up to date on its maintenance schedule, and be sure to check the battery and tires.

2) Plan your trip and know where you’re going. Call ahead for proper and safe directions to get you to your destination safely and have maps of the area on hand to help you navigate once you are off the main road. You’re more likely to make good decisions, even in dangerous situations, if you’re clearheaded and know where you’re going.

3) Be alert. Seems obvious, but driver inattention is surely the cause of a lot of accidents. If you stay focused behind the wheel and plan carefully, you will have a wonderful summer road trip.

4) Take precautions with a cell phone. Cell phones can be a lifesaver when you need immediate access to emergency services after an accident. Keep your phone within easy reach and get to know its features. However, use it prudently. Reports suggest that driving while talking on the phone increases accident rates.

5) Wear your seat belt. Whether or not it’s required by law in the state through which you’re driving, always wear your seat belt as a safety precaution.

6) Protect your car against theft. Help deter criminals from taking your car with steering wheel locks, switches that disable fuel or ignition systems, and electronic tracking devices.

7) If you’re in an accident. Taking immediate steps if you’ve been in an accident can protect your family and your car from further damage. Stop immediately and make sure your car is not blocking traffic. Turn off your car to keep it from overheating or catching fire. Warn oncoming cars using road flares or orange triangle reflectors. After you have protected yourself and your family, call your insurance company immediately.

8) Make sure your auto insurance is up to date. Before you even leave the driveway, you want to be sure you’re protected when you’re on the road and far from home. An independent insurance agent can provide the personal service and advice you need to travel in confidence.

submitted by Joe

Recent Blog Articles

Read More
Social Media - Shield Insurance Agency Blog

Social Media

Posted on by Shield Insurance Agency

Did you know that Social Media could have a big impact on your insurance rates?

For Instance:

Selfies: Taken while driving and uploading them to social media could be a problem with your policy being non-renewed based on the fact that you are a distracted driver.

Text Messages: Texting and Driving Don’t Mix! Especially if you were involved in an accident around the time stamp of your convo, an Insurer may deny your claim or list you as at-fault.

Bad Habits on Social Media:

  1. Such as posting that you are divorced or married and not updating your insurance carrier of your status.
  2. Giving up smoking, and not informing your Life insurance carrier, then they find lots of pics of you smoking.
  3. Got a new dog in your home may be good but, if you don’t tell your insurance carrier certain breeds could cause a cancellation of your home policy.
  4. Geotagging while away on vacation can maybe cause an insurance company to deny your claim because you loaded your pics to social media with the geotags which can cause theft!

Just Remember: Always tell your Agent the truth and be honest. Don’t put yourself out there on social media where it could cause any problems with your integrity. Remember, the whole world can see you!!

submitted by Dawn

Read More
Giving Back To The Community - Shield Insurance Agency Blog

Giving Back To The Community

Posted on by Shield Insurance Agency

Shield Insurance Blog | Giving Back | Contact Our Office

Giving Back To The Community

With the holidays right around the corner, it seems like we get busier and busier every day. We have to plan for Thanksgiving with family, Christmas celebrations, presents, and celebrating the start of a new year. We all tend to get so busy that we don’t always stop to look around and notice that not everyone might be as lucky as we are. 

There are many families that won’t be able to sit down to a nice meal at Thanksgiving or be able to provide even the most basic of necessities for their children. There are homeless people who won’t have a home to go to, children that won’t have gifts to open on Christmas, and families who won’t have enough food to celebrate Thanksgiving. 

As we enter the Holiday Season we should stop and reflect on how much we have and how much we can give back. It can be a simple as donating a toy to Toys for Tots or donating the clothes you no longer wear to a men’s or women’s shelter. We can also go as far as starting food drives, toy drives, and clothing drives. Nothing is impossible when we choose to give to those who are less fortunate. Take it upon yourselves this year to give back and bring a smile to those in need. There are a lot of non-profit organizations that would be very happy to work with those who want to give back. You can also provide children in the hospital with toy donations. We should want to give back not only during the holiday season, but every day, but this time of year seems to make a difference for a lot of people who are in need. It is a beautiful thing when we can give back to those in our community. While there is a lot of people who volunteer with organizations they never seem to have enough to fulfill all the responsibilities. I encourage you this Holiday Season to give back to at least one person who is in need because we never know whose life we could be changing by doing a simple act of kindness. 

Submitted by Gabi

Read More
Michigan Four Seasons - Shield Insurance Agency Blog

Michigan’s Four Seasons: A Journey Through Nature’s Spectacular Transformations

Posted on by Shield Insurance Agency

Shield Insurance Blog | Four Seasons | Auto Insurance | Start A Quote Today!

Michigan’s Four Seasons:

Michigan is a state known for its breathtaking natural beauty and diverse landscapes. From the stunning shores of the Great Lakes to the lush forests and rolling hills, Michigan offers a unique experience in every season. In this blog post, we will take you on a journey through Michigan’s four seasons, exploring the spectacular transformations that nature undergoes throughout the year.

Spring: A Time of Renewal

As winter fades away, Michigan awakens to the vibrant colors and fragrant blossoms of spring. The snow melts, revealing the lush greenery that blankets the state. The cherry blossoms in Traverse City and the tulip fields in Holland are a sight to behold, painting the landscape with a riot of colors. Spring is also the time when wildlife emerges from hibernation, and birdwatchers flock to the state to catch a glimpse of migratory birds making their way north.

Summer: Fun in the Sun

Michigan summers are synonymous with outdoor adventures and endless fun. With over 3,000 miles of coastline, the state offers an abundance of opportunities for swimming, boating, and fishing. The Great Lakes provide a refreshing escape from the heat, and the sandy beaches beckon visitors to relax and soak up the sun. Summer is also the perfect time to explore Michigan’s numerous state parks and hiking trails, where you can immerse yourself in the beauty of nature.

Fall: A Tapestry of Colors

When autumn arrives, Michigan transforms into a breathtaking tapestry of colors. The leaves on the trees change from vibrant greens to fiery reds, oranges, and yellows, creating a stunning display that attracts visitors from near and far. The Upper Peninsula is particularly famous for its fall foliage, with the Porcupine Mountains and Tahquamenon Falls State Park offering some of the most picturesque views. Fall is also the season for apple picking, cider tasting, and enjoying the harvest festivals that dot the state.

Winter: A Winter Wonderland

Michigan winters are a true winter wonderland. As the temperatures drop, the state becomes a playground for winter sports enthusiasts. From skiing and snowboarding to ice fishing and snowshoeing, there is no shortage of activities to enjoy in the snow-covered landscape. The Upper Peninsula is a haven for snow lovers, with its abundance of snowfall and pristine trails. The frozen waterfalls at Pictured Rocks National Lakeshore and the ice caves at Sleeping Bear Dunes National Lakeshore are must-see attractions during the winter months.

All Four Seasons: Shield Insurance Agency isYour Trusted Insurance Partner

While exploring Michigan’s four seasons, it’s important to ensure that you have the right insurance coverage to protect yourself and your belongings. Shield Insurance Agency is here to help. With over 40 insurance companies represented, we can find the perfect policy to meet your needs. Whether you’re looking for auto, home, renters, or business insurance, our experienced agents will guide you through the process and provide you with a free quote.

Contact Shield Insurance Agency Today

Don’t wait until it’s too late. Contact Shield Insurance Agency today for a free quote. You can reach us at (616) 896-4600 or start the quoting process by visiting our website and filling out the form. An agent will be in touch soon to discuss your options and help you find the insurance coverage that gives you peace of mind.

In conclusion, Michigan’s four seasons offer a journey through nature’s spectacular transformations. From the enchanting beauty of spring to the mesmerizing magic of summer, the hidden wonders of fall, and the winter wonderland that blankets the state, Michigan is a destination that never fails to captivate. So, pack your bags, grab your camera, and embark on an adventure through Michigan’s four seasons. You won’t be disappointed.

VIsit recent blogs from Shield Insurance Agency

Read More
How To Get Rust Off A Trailer Hitch - Shield Insurance Agency Blog

How To Get Rust Off A Trailer Hitch

Posted on by Shield Insurance Agency

Shield Insurance Blog | Rust Off A Trailer Hitch | Auto Insurance

How To Get Rust Off A Trailer Hitch | Auto Insurance | Shield Agency

If you tow a camper, boat, or trailer you may notice your trailer hitch rusting. Prevent this with proper maintenance, regular use, and wax and/or painting. But if you have an existing hitch that’s rusted, there are several ways to remove the rust.

Removing Rust From Chrome Hitch

If you have a chrome ball or chrome hitch that’s showing signs of rust, simply ball up a piece of aluminum foil, dip it in white distilled vinegar or Coca-Cola and lightly rub the rusty spots. Rinse with warm water and dry with a soft clean rag. Follow up by polishing with two coats of any brand carnauba car wax.

Removing Rust from Iron Trailer Hitch

If you have an iron trailer hitch or hitch ball that’s beginning to rust you can remove the rust with Naval Jelly. First, remove any loose or flaking rust with a wire brush. Then apply Naval Jelly and allow it to sit for 5 to 10 minutes—no longer than 15. Rinse and repeat if any rust remains. Dry the metal and paint with an oil-based paint within 24 hours to prevent the return of the rust.

Rust Off A Trailer Hitch

Recent Blog Articles

Read More
All-Season Tires vs Snow Tires - Shield Insurance Agency Blog

All-Season Tires vs Snow Tires

Posted on by Shield Insurance Agency

Updated: Aug 6, 2018

Written by Shield Insurance Agency

All-Season tires vs Snow Tires?

The tread compound of All-season tires can harden in low temperatures, so there’s less traction between the road and your tires. But snow tires use special rubber compounds that stay pliable in the cold, giving them better grip and improved braking, even in extreme conditions.

Sometimes Michigan cold temperatures tend to drag on for longer periods. If it’s still below the 45–50-degree mark, leave the tires on. If the temperatures are well above freezing, the 50s, and above, then make sure to get those winter tires off and get your summer tires placed back on your vehicle. The longer you leave your winter tires on, the faster your treads are going to wear off your tires.

I love my snow tires! They help my vehicle a lot! But I will not take them off until the freezing temperatures are over. Since Memorial Day is almost here, I would say “get those winter/snow tires off of your vehicle”.

Submitted by Dawn

Written by Shield Insurance Agency

Read More
Home Safety Tips - Shield Insurance Agency Blog

Home Safety Tips

Posted on by Shield Insurance Agency

Home Safety Tips

​I follow the blog of a family friend who is a real estate agent and he recently had some great tips on keeping your home safe – safer than you think it might already be.  I thought this was too great of a list not to share.

A home is a place you should feel safe and secure. Sometimes, we take it for granted, and unfortunately, we do need to remain vigilant about things we do that could compromise our safety. Here are a few tips to consider:

Everyone loves an inviting home including burglars. Make sure it looks occupied and is difficult to break in. Always lock outside doors and windows even if you’re only gone for a brief time. Lock gates and fences. Leave lights on when you leave; consider timers to automatically control the lights. Keep your garage door closed even when you’re home; don’t tempt thieves with what you have in your garage. Suspend your mail and newspaper delivery when you’re out of town or get a neighbor to pick it up for you. Posting that you’re out of town or away from home on social networks is like advertising your home is unprotected. Equally dangerous could be allowing certain social network sites to track your location. Don’t leave keys under doormats, in flowerpots, or the plastic rocks; thieves know about those hiding places and even more than you can think. Trim the shrubs from around your home; don’t give criminals a place to hide. Use exterior motion detectors and yard lighting. Have an alarm system and use it when you leave home and go to bed. Put 3 ½” deck screws in door plates and door hinges. Have good deadbolts on all exterior doors. Exterior doors should be solid core. ​

submitted by Tammy

Read More