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AGENCY UPDATE
In This Issue
How Does Remodeling my
House Affect My Insurance?
3 Types of Collision Coverage
Billing Information
Christmas Trivia
Personal Auto Policy
Open House information
How Does Remodeling My House Affect My Insurance?
Envision your house transformed into a welcoming space with fresh
updates and extra room for the things you enjoy. With a remodeling
project you can open up walls, add lighting or upgrade the flooring to
create a stylish look and improve the efficiency of your home.
Renovating your home can be exciting and overwhelming, and the last
thing you may consider during the process is your homeowners insurance
policy. If you didn’t think about this, you’re not alone! Communicating with
us when modifications are made will help prevent your house from being
underinsured and policy limits from not being enough to cover your house
in the event of a loss.
In order to ensure your home is properly insured, our agency
utilizes a replacement cost estimator (RCE). The RCE is a tool used
to assess the cost to rebuild your home with similar materials if it is
damaged or destroyed.
When adjustments are made that may impact the replacement
value, it’s the homeowner’s responsibility to inform us so we can
adjust the estimate. The replacement value of the home cannot be
calculated correctly without us knowing about added features, and
oftentimes that is last on the “to-do” list for you.
Keep in mind some updates can save you money on your
homeowners insurance. For instance, replacing the roof, installing
security features, sprinkler systems, water shut-off devices or a
backup generator may lower your rates or even offer a discount on
your premium.
If you anticipate making renovations to your home – whether it’s
adding a new deck or remodeling your kitchen – ask us how this
could impact your insurance policy to ensure you are protected
financially during and after the project.
Auto-Owners Newsletter November 2017
Buckland Insurance Agency, Inc. 13th Annual Newsletter Christmas 2018
Three Types of Collision Coverage
Michigan law requires you to have no-fault automobile insurance on your car. If you have an accident, this required insurance pays for injuries to peo-ple and for damages your car does to other people’s property and to properly parked cars. IT DOES NOT PAY FOR ANY OTHER DAMAGE TO CARS. You must buy collision coverage if you want coverage for damage to your car in case of accident. The other driver’s insurance will not pay for damage to your car.
There are three kinds of collision insurance you can choose from: limited, standard, and broad form. The chart tells you when each kind of insurance will pay YOU if your car is damaged in an accident. Your collision coverage will not cover damage to the other driv-er’s car.
If your vehicle is damaged in
an accident and you have this
kind of collision coverage.
You are MORE THAN 50% at
fault (you hit a tree, a person,
another vehicle, etc.)
You are 50% OR LESS at fault
(you are rear-ended,
side-swiped, etc.)
No Collison Coverage Your insurance pays nothing. You
are responsible for the cost of
repairs to your car.
Your insurance pays nothing. You
are responsible for the cost of
repairs to your car.*
Limited Collision
Coverage
Your insurance pays nothing. You
are responsible for the cost of
repairs to your car.
Your insurance pays. If you have
chosen a deductible, your
insurance pays the cost of repairs
over and above the deductible.
You must pay the deductible.
Standard Collision
Coverage
Your insurance pays, except the
deductible that you have chosen.
You must pay the deductible.
Your insurance pays, except the
deductible that you have chosen.
You must pay the deductible.
Broad Form Collision
Coverage
Your insurance pays, except the
deductible that you have chosen.
You must pay the deductible.
Your insurance pays. You do not
have to pay the deductible.
*You may be able to collect up to $1000 from the other driver under the “mini-tort” provision of the no-fault law. For more
information, see the Insurance Counselor on “Mini-Tort: An Exception to No-Fault.”
Michigan Department of Insurance and Financial Services | 877-999-6442 | www.Michigan.gov/DIFS
Christmas Trivia
1. What Does
‘ADVENT’ Mean?
2. What were Frosty’s
last words?
3. What was the most
popular toy in 1984?
4. What popular
children’s cracker
today was introduced
in 1902 as a Christmas
Ornament?
5. What is the biggest
selling Christmas
Single of all time?
Answers on last page
www.bucklandinsurance.com
Billing Reference Guide:
Company Phone Website Mobile App.
Auto-Owners 1-800-288-8740 www.auto-owners.com Yes
Citizens/Hanover 1-800-573-1187 www.hanover.com/billing.html Yes
Foremost 1-800-532-4221 www.foremost.com Yes
Hastings Mutual 1-800-442-8277 www.hastingsmutual.com No
Michigan Insurance 1-888-606-6426 www.michiganinsurance.com Yes
Pioneer State Mutual 1-810-600-3555 www.psmic.com Yes
Progressive 1-800-776-4737 www.progressive.com Yes
West Bend Mutual 1-800-573-1323 www.thesilverlining.com No
Our offices are open Monday—Friday 9:00 am till 5:00 pm. We are more than
happy to help you with billing during these hours of operation. However, you
are able to make payments 24/7 online. Our agency website
www.bucklandinsurance.com has links to all of the websites as well as
after hours claim information under the button “Online Service”.
The mobile apps for these companies not only allow you to make payments
but you may also view your policy and get a proof of insurance for your
vehicles.
Contact Us
Buckland Insurance
Agency, Inc.
Delton (269) 623-5115
Hastings (269) 948-3720
Visit us on the web at
www.bucklandinsurance.com
You Are Invited
To our annual Christmas open house
When: November 30, 2018
Time: 5:00 p.m.– 7:00 p.m.
This year it will be hosted at: Carpenter’s Party Barn
Address: 10124 S M43, Delton MI 49046
Buckland insurance Agency Inc.
P.O. Box 100
Delton MI 49046
1127 W State St Suite 6
Hastings, MI 49058
PLACE STAMP HERE
We thank you for your business
Trivia Answers: 1. Coming 2. “I’ll be back again someday.” 3. Cabbage Patch
Doll 4. Barnum’s Animal Crackers 5. White Christmas
