Ieuter Insurance Group Blog

All You Ever Wanted to Know About Insurance

Why Today’s Homes Burn Faster

From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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Read Your Car For Winter!

Winter is right around the corner so now is the time to get ready for it! Have you winterized your car for the snow and icy roads yet? We have a few quick tips to get your vehicle ready for the roads. 1.) Make sure to...

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How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Uber/Lyft: Are You Covered Under Your Personal Auto?

The answer is maybe! The chart below will help. Most policies there is a public or livery conveyance exclusion in Section II – Liability Coverage would apply if someone on the policy was involved in a loss when...

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Do You Need Umbrella Insurance?

To continue on our topic from last week - one of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy...

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Singing in the Rain: Do You Have an Umbrella?

A Personal Umbrella policy is a great thing to have. It will give you extra coverage if you are in a situation that causes a claim to go above and beyond the liability limits on your homeowners or auto policy. And it...

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Are You in the Cloud? A Guide to Online Storage

As more companies are going green, a new business trend is to use a cloud-based system. This streamlines operations into one space and increases the amount of storage for digital files. If you are thinking about moving...

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Fall is Coming! Is Your Home Prepared?

It’s easy to get tied up in all of the exciting changes that happen in the fall. The mornings have a nice chill, the vegetation changes to beautiful reds, oranges and yellows, the children go back to school. Some of the...

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Three Ways a Pool May Affect Your Homeowners Insurance

That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Why Is My Auto Insurance so High?

In the state of Michigan the question of "why is my auto insurance so high?" is often asked. While we do what we can for our clients to keep these premiums down there are a few factors that influence how much we are all...

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Easy to Forget Cleaning Projects

As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Heavy Rain? Be on the Lookout for Heavy Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Want a Safer Home? Consider these Inexpensive Fixes

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Flood Coverage? - Let's Break it Down

One common question we get on National Flood policies is, "What is covered in my basement?" Below is some information that will help answer your flood insurance questions or call Your Friends in the Insurance Business,...

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Have you considered “Going Green”?

Did you realize there may be a discount for “Going Green”? With Auto Owners, there is a $5 discount per qualified policy applied to the customer’s billing account for choosing to go paperless. In order to qualify for...

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It's Important to Know Your Health Insurance

Open Enrollment is coming up in the Fall and with no changes yet to the Affordable Care Act, we feel it's important to keep this at the forefront of your mind. New surveys show that just 4 percent of Americans are able...

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If A Tree Falls.... Are You Covered?

A Question we get in our office often is what to do if a tree falls across property lines. It's a common occurrence so here's the scoop. If your neighbor's tree falls on your property and it is a healthy tree, it is...

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Motorcycle Safety Tips

Well it’s that time of the year again, hopefully for the motorcycle enthusiasts you've been able to get your bike out and start riding! This list is not a complete guide but does provide some helpful safety tips for new...

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Furry Friends? We've Got You Covered!

There are times when things happen that cause us to really think, like when you see the dog running with his new prize, one of the uncooked steaks that you were just going to throw on the grill. Or when you watch your...

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Road Trouble? At Your Service!

It usually isn’t in our morning routines to have car problems. This always seems to happen when it is the most inconvenient! The added pressure of having to pay a tow bill is equally frustrating. Did you know for a low...

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Blinded By the Light! Safety Tips Against Glare

We have all experienced sunshine glare on the windshield. You're driving down the road and make a turn when the setting or rising sun casts a blinding glare. Not only is this extremely frustrating, it’s very dangerous!...

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Summer Fun!

Summer is here and time to get out and enjoy the summer toys!! Boats, jet skis, campers, etc… Please make sure that you check them for safety before using them. Are the tires on the boat trailers and camper fine to haul...

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Is Group Life Insurance a Good Deal?

It depends. The “free” coverage is a great employee benefit. However, the additional insurance you can purchase voluntarily, for a fee, generally is not a good deal. Group life insurance rates are based on spreading the...

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Help Your Dog Love Apartment Living

Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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School House Rock: IIG Edition

Yesterday the American Health Care Act (AHCA) was passed by the House of Representatives. This is causing quite a stir already so we want to make sure you stay well informed of the next steps for this piece of...

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Do You Have Enough Water Backup Coverage?

Water back ups are never a pretty site. They always occur when you are least expecting it and can be very costly. Water back ups are caused by a variety of events from heavy rains to blockages. If water backs up in your...

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Love Bites – Get Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered?Unfortunately, we live in a world of lawsuits. Large damages can be...

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What is a Qualifying Event for Health Insurance?

The world of health insurance can be a tricky place to navigate. We find that determining when you can or can’t sign up for various types of insurance can get confusing so here are some tips to help bring some clarity....

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Potholes: What It Means for Coverage

We all have the experience of "the cringe" after we hit a pothole in the road, hoping against hope that no damage has been done to our tires or the body of our vehicle. Sadly, the end of road damage is not in sight as...

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Lakeside Living: Are You Covered?

Living lakeside provides a soothing place for rest and relaxation, where friends and wet towels are always welcome. It also provides unique insurance needs - these are not essential to all homeowners but do need to be...

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Minor Spring Cleanup Helps Prevent Major Problems!

Spring brings some of our favorite things: warm weather, blooming tulips & daffodils, and baseball season. But let's not forget about all those April Showers. Did you know a home has a four times greater risk of...

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Teen Driving Safety

Talking to Your Teen About Safe DrivingWhen teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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Worried About Water Backup? You Should Be!

Even though the Groundhog saw his shadow, spring is just around the corner and that means the spring thaw. This can pose a potential hazard for homeowners as the thawing of winter snow and ice combined with the warmer...

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What is a Certificate of Insurance?

A Certificate of Insurance is usually a one page summary that verifies the insurance coverage and limits for a policy for a business. Certificates show details of the policy such as the name of the insurance company,...

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Got Toys?

Spring is coming soon. This will be a good time to review your insurance policies to make certain that you have coverage on autos or summer “toys” that you will be taking out of storage and starting to use as the...

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What is Employment Related Practices Coverage?

Employment Related Practices coverage is often an overlooked or misunderstood type of insurance coverage. Business owners and managers typically feel that they have a good group of employees and that dishonesty would...

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Ladder Safety: Reduce Your Exposure on Workers' Comp!

We often use ladders around our home and in our workplaces without thinking twice since they are such an essential help in getting many common tasks accomplished. However, if you're a business owner you may have some...

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Car Shopping With Safety in Mind

You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone.Even still,...

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Why Do Rates Increase After a Home Claim?

When home insurance was first introduced, the intent was for catastrophic coverage. For example, if your home burned down or a tornado came through and swept it away you, would have coverage to rebuild. The owner of the...

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Airbnb: Are you Covered?

Airbnb has made home sharing a popular for many travelers. If you are not familiar with this website, it is a place for people to list their homes, apartments, cabins, etc. to rent for short periods of time. If you have...

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7 Driving Habits That Are Bad for Your Car

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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What Is A Surety Bond?

We get this question a lot in our commercial department. Please see the link below for quick and easy explanation. If you think you may need one for your business, please call our office today! What is a Surety Bond?

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