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Does Home Insurance Cover Slab Leaks?

Home insurance is one of the most important policies a person will have because it covers what is, for many people, the most valuable asset they have. This insurance will help provide coverage and pay for damage that the home, property or other buildings on the...

Errors and Omissions Insurance for Home Inspectors

Prospective homeowners count on home inspectors to provide valuable information about the state of a house they have agreed to purchase. Home inspections are typically one of the final "checks" on the home itself before a purchase is completed. Home inspectors are...

Liability Insurance for In Home Daycare

Some people who want to make a difference in the lives of children consider starting an in-home daycare business. The ability to provide hands-on care for little ones can be very rewarding.However, there are a lot of risks associated with supervising children in your...

Home-Based Business Insurance

The way people work has been changing slowly but steadily over the last few years. But, due to the COVID-19 pandemic, those changes ramped up at an exponential pace.More and more people decided during the pandemic that they wanted to start their own business, or at...

Baker’s Insurance: What It is and What It Covers

Every business needs insurance to protect its interests. Some businesses, though, need specific insurance plans to cover their specific and unique circumstances. One of those types of businesses are bakeries. These businesses not only have the same risks as other...

Home Insurance Without Inspection

During a typical home-buying process, many prospective homeowners will get an inspection on the home to ensure that there are no hidden problems that they can't see. This process is done following the acceptance of an offer but before closing on the home. Home...

Do German Shepherds Increase Home Insurance Cost?

There are many factors that go into the price of home insurance. How large your home is, where it's located and what its replacement value would be are just a few of the items that can affect the overall cost of your insurance policy's premium. Did you know, though,...

What Homeowners Insurance Doesn’t Cover

Homeowners insurance policies provide protection for your home, your possessions, your property and much more. It's one of the most important insurance policies you can have, as it protects what is potentially the biggest asset that you own. That being said, there are...

Is Your View Covered by Homeowners Insurance?

Some people buy their homes for the amazing views they provide. Whether the home is located in a wooden area, the mountains or on the beach, pristine views add significant value to homes -- both in terms of actual dollars as well as the enjoyment people get out of...

Condo Fees vs HOA

Depending on the type of home you purchase, you might have to pay extra fees in addition to your local property taxes. Much like taxes, these extra fees go to pay for various services and amenities for the neighborhood in which you live. These extra fees could come...

Can I Get U.S. Home Insurance for a Home I Buy in Mexico?

Many United States residents consider purchasing a home in Mexico for either their own vacation retreats or to be used as an investment property. In fact, Mexico is the top country for U.S. residents who want to buy another home abroad. What's more, there were in...

Home Insurance Renewal Guide

Every year, millions of homeowners across the country renew their home insurance policies. Yet, many don't ever do anything about it. Because most home insurance policies will renew automatically, homeowners may just choose to allow the policy to keep going without...

Does Home Insurance Cover Solar Panels?

Environmentally-friendly projects are rising in popularity, thanks to a focus on the importance of renewable energy sources to help counter the effects of climate change. One of the most popular ways that homeowners can become eco-friendly is by installing solar...

Flood Insurance Claims Process

Floods can cause catastrophic losses to individual homes and even entire communities, depending on the source. Floods come in a variety of shapes, sizes and causes, but even the most minor of floods can be very costly and challenging to overcome. While Michigan...

Home Improvements That Can Lower Home Insurance

Making improvements to your home can be one of the most exciting things that you do. It can bring increased value to your home, new usage of previously-unused space and personalization to the place where you spend a lot of your time. Most people don't think about how...

Remodeling Insurance

There are many benefits to remodeling your home. In addition to the obvious joy you get from completing upgrades and personalizing your space, many home renovations also boost the resale value of your home. Some home remodeling projects are relatively easy to do, even...

Top Questions to Ask Before Buying Insurance for Your Car

Car insurance is one of those financial commitments that is required of all drivers in Michigan. If you want to drive a car legally with a Michigan driver's license, you need to carry car insurance. This financial commitment can be quite expensive, though, especially...

Top Questions to Ask Before Buying Insurance for Your Car

Car insurance is one of those financial commitments that is required of all drivers in Michigan. If you want to drive a car legally with a Michigan driver's license, you need to carry car insurance.This financial commitment can be quite expensive, though, especially...

A Michigan Guide for Smart Homes

Smart homes are becoming more and more popular every year, as new technologies bring new benefits to homeowners across the country. By 2027, the smart home industry is expected to be worth $313.95 billion, which would represent a CAGR of 25.3% starting in 2022. This...

What Kind of Insurance Should You Get for Your Teenager?

Parents always worry about their children. When the children become teenagers, though, those worries are amplified significantly due to the fact that many will become drivers. Parents won't always be able to protect their children, of course, but they're certainly...

Divorce and Mortgage: A No-Mess Guide

Divorce and Mortgage: A No-Mess Guide No one likes to think about divorce if they're getting married. Everyone hopes to have a great marriage when they meet someone and decide to join their lives together. Unfortunately, not all marriages last forever. In fact, there...

When Should You Call a Lawyer After a Car Accident?

If you're in a car accident, there are a few steps you should take, no matter how serious the accident is. These steps are important to both ensure the safety of yourself, the passengers in your vehicle and anyone else involved. In addition, they're also important to...

How to Keep Michigan Bicyclists Safe

  Over the last 20 years, bicycling has become an increasingly popular mode of transportation. Drive down the road, and you will easily see more people riding bikes for fun, for getting from Point A to Point B, and even for commuting to work. According to a 2021...

Tax Strategies for Homeowners

Tax Strategies for Homeowners Being a homeowner comes with a lot of responsibilities and rewards -- and a lot of costs. In fact, many people will suggest that you set aside 1% of the purchase price of your home for annual maintenance alone. That means if your home is...

Car Insurance and Fire Damage

Car insurance covers a lot of different events, including damage sustained during an accident. One scenario that many people question is whether damage sustained due to a fire is covered under car insurance. The answer to that question depends on the type of coverage...

What is Dwelling Coverage?

Home insurance has many different parts. Understanding what each part is and what is covered is important in case you ever need to file a claim. One of the typical parts of a homeowners insurance policy is what's known as dwelling coverage. This portion of your...

Items to Keep in Your Car for a Winter Emergency

Winters in Michigan can get quite cold, to say the least. The average high temperature in January is 31 degrees, and the average low temperature doesn't reach above 40 degrees until May typically. People who have lived in Michigan for a long time understand that...

Safety Tips When Driving in the Michigan Fog

Safety Tips When Driving in the Michigan Fog Mother Nature creates a lot of different obstacles to safe driving in Michigan. From driving rain to icy and snowy conditions, there are a lot of weather-related incidents that can cause significant hazards on the road. One...

Auto insurance for people with disabilities

Auto insurance policies for people with disabilities can be a rather tricky thing. On one hand, the Americans with Disabilities Act prohibits any insurance company from charging a higher rate for auto insurance to people who have a disability. On the other hand, some...

Is Fireworks Damage Covered for My Home?

Fireworks are most commonly associated with the Fourth of July in the United States. But many people also set off fireworks on other celebratory occasions such as New Year's Eve, which is right around the corner. When handled properly and operated according to...

What is PIP Insurance in Michigan?

What is PIP Insurance in Michigan? Michigan is one of only a few states that requires all licensed drivers to carry what's known as Personal Injury Protection coverage as part of their auto insurance policy. Also known as PIP insurance, this requirement under the...

How to Know if Buying a House is for You?

Owning a home is a major part of the American Dream for many people. It takes a lot of hard work and savings to accomplish, but when you're given the keys to your very first place, it's a feeling that is often unmatched.  Owning a home is a big responsibility. There...

Budgeting Apps for Homeowners

Owning a home is a lot of work. In addition to managing the upkeep of the household itself, there are financial implications that all homeowners must pay attention to. You may be familiar with creating a monthly budget for your income and expenses. When you purchase a...

Medical Marijuana and Driving

In 2018, state voters approved Michigan Proposal 1. In essence, the vote legalized marijuana throughout the state. It expanded on the state's already-passed medical marijuana law to allow for recreational use. Bypassing Proposal 1, voters OK'd people in the state who...

Ways to Prevent Mold in your Home

Mold can be one of the scariest things to have to deal with in your home. While it can be relatively harmless, mold can cause major infections, severe reactions, and other major health problems if there is exposure to it.  If you're buying a new home, home inspectors...

What is the Law for Turning Left in Michigan?

There are a lot of rules for the road in Michigan that all drivers need to pay attention to. All of these rules are laid out in the Michigan Vehicle Code, but a lot of these rules are hard to understand or are hotly debated.  One of the more misunderstood rules is the...

Michigan Teen Driving Laws

Like many states, Michigan has passed teen driving laws that are meant to ease teens into the big responsibility of being able to drive a car. In recent years, many states across the country have started to pass what are known as graduated licensing for teens. They...

Tire Buying Guide in Michigan

Tires are often an afterthought for people when they're thinking about purchasing or maintaining a car.  However, tires should be at the forefront of every driver's mind. In fact, tires are possibly the most important safety feature in a car.  Tires support the hefty...

Common Car Accidents That Happen in Troy, Michigan

In 2020, the Michigan State Police reported there were more than 245,000 car accidents in the state.  In Oakland County, there were 26,316 total crashes, resulting in 4,962 injuries and 55 deaths. In those total crashes, 21,299 involved property damage. Maybe most...

How to Reduce Your Energy Bill

How to Reduce Your Energy Bill

Michigan homeowners are lucky. Their monthly energy bill averages the 11th lowest in the nation. According to the U.S. Energy Information Administration, Michigan homeowners pay an average of $97.41 for their monthly energy bill. The average for the country,...

What Makes a Car Safe?

What Makes a Car Safe?

Leather seats, satellite radio, sunroofs, cup holders, and paint color are some of the most sought-after features in new cars. These are also some "flashier" features that attract buyers to certain vehicles. Ultimately, though, the job of any car is to get you from...

Common House Repairs You Will Deal with in Michigan

Common House Repairs You Will Deal with in Michigan

Every homeowner has to deal with repairs from time to time. Some of these repairs are easy to do on your own. Others require the help of professionals. No matter where you live in the country, things will go wrong in your home. Not every issue you will face will be a...

The Cost of Pothole Damage

The Cost of Pothole Damage

Michigan roads are in poor condition, and drivers are paying the price. In 2018, Crain's Detroit Business conducted a study of the state's roads. They used the state Department of Transportation, TRIP transportation research, and the county road commissions as...

Motorcycle Safety Tips

Motorcycle Safety Tips

Riding a motorcycle can be an exhilarating experience. Much like driving a car, though, it can be dangerous to ride a motorcycle if you don't pay attention to safety skills. Riding a motorcycle isn't exactly like driving a car. It's also not like riding a regular...

How Does the Right of Reimbursement Work in Michigan?

How Does the Right of Reimbursement Work in Michigan?

How Does the Right of Reimbursement Work in Michigan? When it comes to auto insurance, Michigan is a no-fault state. Each driver's insurance company pays for medical bills for injuries sustained in a car accident. This happens no matter who causes the collision. ...

Michigan Vehicle Inspection Requirements

Michigan Vehicle Inspection Requirements

Each state in the U.S. has the ability to enact its own requirements for vehicle safety and emissions. Unlike most of the country, Michigan is rather lenient when it comes to its requirements. Michigan isn't among the seven states that require no vehicle inspections...

Insurance Tips for First Time Homeowners

Insurance Tips for First Time Homeowners

Buying a home can be an overwhelming experience, especially if it's your first time. When you are handed the keys to your new home, you may instantly feel excitement, relief, and concern. The excitement bubbles from the start of a new chapter of your life. The relief...

10 Home Insurance Statistics You Should Know

10 Home Insurance Statistics You Should Know

Most homeowners in the United States carry home insurance. A lot, in fact, are required to do so because they're paying down a mortgage. While homeowners pay a premium every month, or once a year, many don't know what it is they're getting in return. Home insurance...

How to Change Homeowners Insurance with Escrow

How to Change Homeowners Insurance with Escrow

When you purchase a home, you may notice that your monthly mortgage payment includes money to escrow—included in this escrow account may be items such as property taxes and homeowners insurance. Not all homeowners are required to pay their homeowners insurance...

Key Terms to Understand About Home Insurance

Key Terms to Understand About Home Insurance

Homeowners insurance is a basic necessity for all people who own a home. It keeps you protected in times when you might need it. You pay premiums every month so you can be covered in case of damage to your home or property. But, do you know exactly what you're paying...

Key Terms to Understand When You Buy a Car

Key Terms to Understand When You Buy a Car

The average American purchases 9.4 cars in their lifetime. That's down significantly from the 13 before the Great Recession, but it's still a lot. Americans are keeping cars they purchase longer today than they have in recent times. Even still, they find themselves...

What You Should Do if Your House Gets Flooded

What You Should Do if Your House Gets Flooded

If you don't live on the coast or near a lake or river, you may not be worried about flooding damage at your home. The fact is, though, that water damage from non-weather events accounts for roughly one-fifth of all property insurance losses. It's an unfortunate event...

Car Accident in the Winter

Car Accident in the Winter

Harsh winter weather is something that any Michigander is very familiar with. We simply bundle up with warm clothes when outside, a cozy blanket when inside and enjoy the beauty that it brings. But, this same harsh winter weather makes driving particularly difficult...

When Not to File an Auto Insurance Claim

When Not to File an Auto Insurance Claim

In 2019, there were 314,376 total auto crashes in the state of Michigan. Of that total, 54,539 involved injuries to one or more people involved, with 258,935 involving property damage only. In most of these cases, auto insurance companies were involved in the process....

What Makes Auto Insurance in Troy, Michigan go up?

What Makes Auto Insurance in Troy, Michigan go up?

Drivers in Michigan, have been excited about the prospects of finally saving money on their auto insurance. As of July 2 of this year, Michigan drivers no longer are required to carry unlimited Personal Injury Protection for their auto insurance plans. A law passed by...

What Makes Home Insurance in Troy, Michigan go up?

What Makes Home Insurance in Troy, Michigan go up?

For many homeowners in Troy, Michigan, home insurance is something you think about only once a year -- when it comes time to renew your plan. Most homeowners will spend a lot of time finding the right homeowners insurance policy for them at the time they buy their...

Most Dangerous Roads and Highways in Metro Detroit

Most Dangerous Roads and Highways in Metro Detroit

Michigan drivers are already on high alert because of the fast weather changes and potholes. Unfortunately, the weather is only half the battle. In 2017 there were more than 4,000 car crashes in Metro Detroit. Crashes happen at random but tend to be more popular in...

What is renters insurance?

What is renters insurance?

In Warren, MI, renters coverage is not on everybody's page. Tenant insurance is one product of our insurance agency that covers unexpected events. When you rent, insurance companies can protect Warren, MI residents. What kinds of renters insurance exist? There are...

Miles for Missions 5k

Signature Insurance is proud to have participated in the Miles for Missions 5k run in October. Our very own Fadi Zayto participated in this great run. What was accomplished We part of a group who were able to raise over $5,000 for Mission Youth Detroit!  We were of...

How To Get The Best Price On Homeowners Insurance

Here’s something you don’t see every day. A new homeowner. Yes, of course, we recognize that the homeownership rate in the United States is still above 60%. But, if you’ve been keen lately, you’ve probably noticed the slight but steady uptake dip. People are not...

aaa auto insurance review

aaa auto insurance review

AAA Auto Insurance Review  You’ve just added a new car to your fleet, and the business is finally looking up. Quite a significant achievement there, to say the least. But, while a vehicle is a great asset if leveraged for profit, it can also be a source of...

What Is Full Coverage Auto Insurance?

What Is Full Coverage Auto Insurance?

Now that you have a brand spanking new car, it is time to take it out for a ride on Michigan’s roads. Nothing is as exciting as cruising down the highway while listening to music and enjoying a new car smell. Now is also the time to think about coverage options that...

7 Actions You Should Take With New Drivers

7 Actions You Should Take With New Drivers

Here in Michigan, people who get a driver's license for the first time have to make sure they are insured. In this article, we guide you through all the information you need to have about car insurance coverages, rates per accident, and companies for teens or any new...

What To Do When Your Car Is Totaled

What To Do When Your Car Is Totaled

You just got off from work and can’t wait to get home after a long day at the office. You desperately need to rest. And nothing will stop you. Not even the heavy snow and ice falling in Michigan. Confident about your car’s ability to cope with the weather, you switch...

Ultimate Progressive Insurance Review

Ultimate Progressive Insurance Review

To beat the rising auto and homeowners insurance rates in Michigan, some of your friends might be switching to smaller insurance providers. Others are advising you to stick with the big players to enjoy optimal protection. But how good are the leading companies? Are...

12 Factors That Can Increase Your Auto Insurance Rates

12 Factors That Can Increase Your Auto Insurance Rates

12 Factors That Can Increase Your Auto Insurance Rates You are paying one amount for your car insurance policy. Your spouse, on the other hand, is remitting a completely different amount to the same provider. Well, this may not be an uncommon scenario. As a matter of...

Commercial Insurance Explained in 2018

Commercial Insurance Explained in 2018

Business insurance is going up and we are here to explain why and potentially how much. “Wait till  legislation lands on insurance companies and the market will turn” “Improved auto technology and infrastructure will reduce accidents and corresponding insurance rates”...

How Independent Insurance Agencies Work For You

How Independent Insurance Agencies Work For You

Purchasing insurance can be a very complicated engagement. As of 2016, there were 5,977 insurance companies in the U.S, with a driving force of  2.6 million workers.The Insurance Industry in the U.S. Source: StatistaSuch a huge number of possible options should make...

Signature Insurance at Motors at the Market

Signature Insurance at Motors at the Market

Signature Insurance was happy to be a part of Motors at the Market and around a lot of awe-inspiring classic vehicles with their owners. The event was fantastically organized with lots of local vendors, craft pour over coffee, flowers, and food trucks all draped with...

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