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Ieuter Insurance Group Blog

All You Ever Wanted to Know About Insurance

What is a Qualifying Event and Why Does It Matter?

The terms Qualifying Event, Special Enrollment Period, and Open Enrollment Period get tossed around in conversation when discussing both employer-sponsored benefits and individual health insurance plans. The timeframes...

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Rising prescription costs

Rising Prescription Costs As healthcare premiums are increasing you may have noticed that prescription costs are on the rise as well. In a study done by Consumer Reports in 2019, 12% of individuals said their...

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Umbrella claims

Everything You Need to Know About Umbrella Claims (And Why You Should Have an Umbrella!) While most umbrella claims are related to auto liability, there are many other liability hazards you may not have contemplated....

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Extreme weather events and the effect on the insurance industry

Natural disasters have been peppering newsfeeds for the last decade. In 2019, there were 409 natural events that caused $232 billion of economic damage. Of this amount, $229 billion was related to weather disasters....

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Why is Homeowners Insurance Needed?

Similar to car insurance, homeowners insurance in midland is of much importance. Homeowners insurance comes in handy when your home suffers damage or someone is injured while on the property. The financial consequences...

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Employment Practices Liability Insurance

When you think of keeping your workplace safe, you probably think of goggles and gloves, or secure computer passwords. But there’s another way you can make sure your company is protected: with EPLI. EPLI stands for...

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Safe driving with deer

Deer are everywhere! Many people ask, “What should I do when they jump out in front of me”? Most of the time you can see deer on the side of the road, and if there is one, most likely there’s more! Slowing down and...

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The Importance of Proper Winter Car Storage for Your Vehicle:

There are many important reasons why you should properly store your vehicle in the winter. This will help extend the life of your vehicle and avoid costly repairs. The vehicle will also be better prepared to be driven...

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When Does Your Health Insurance Deductible Reset?

Health insurance deductibles are trending upwards and planning for them is an increasing challenge. According to the Kaiser Family Foundation’s 2019 Employer Health Benefits Survey: · Over the past five years, the...

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Is Pet Insurance Really that Beneficial?

Do a quick search of pet ownership statistics on Google.com and you’ll find that approximately 67% of U.S. households own a cat or dog. Of that 67% around 2% of owners actually carry insurance for their pets. I was part...

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Renter's insurance for your college student

Renter’s insurance is a cost-effective personal property and liability policy. This is perfect for the student going away to college and will be staying in a dorm or an apartment. As your child embarks on their new...

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Home cyber protection

Home Cyber Protection provides the following coverages: · Cyber Attack -Data Recovery: Cost of a professional firm hired to replace electronic data that has been lost or corrupted. -System Restoration: Cost of a...

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Who needs life insurance?

Who needs life insurance? Do I need life insurance? This is a question most adults will face at some point in their life. Whether you know someone who has it, or you’ve seen it advertised it’s probably crossed your...

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Crop Insurance

Crop insurance is a critical insurance policy for farmers to have. Crop insurance comes in several different forms to cover all the different needs that crops have. Typically, crop insurance is purchased to cover the...

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Boating fun

Let’s get you ready for summer boating fun. Here are 10 essential boating safety tips. 1. Be prepared with Safety Gear such as flashlight, duct tape, bucket, first aid kit, whistle, ropes, garbage bags, fire...

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Cyber insurance for your business

You may wonder whether cyber liability insurance is really necessary, especially if you run a smaller or medium sized business. The thing is, according to a study done by the U.S. Secret Service and Verizon...

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Umbrella Insurance

More and more Americans are realizing the importance of purchasing a Personal Umbrella policy to protect their assets and future earning capabilities. We live in a highly litigious society. Not only are clients...

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Motorcycle Safety

With warm weather finally approaching, we should all be aware of Motorcycle Safety. Following are some good tips: · Keep a gap between you and other vehicles – When riding, or even driving, it is imperative to keep a...

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Boater Safety Checklist

The weather is warmer, and you are ready to get out on the water. Here are some basic precautions to take before going out on your boat. · Make sure everyone onboard has a life jacket and that it is Coast Guard...

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Collateral assignment of Life Insurance

When borrowing from a traditional lender such as a bank, or even a private equity firm, the lender may require collateral be pledged as part of the terms of the loan. In addition to real assets, the lenders may...

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What are the real costs of not having enough liability insurance?

Many families have or will have teenage drivers in the household at some point, and that can be both exciting and scary at the same time. The sad truth is that insurance rates will go up when teenage drivers are added....

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Wedding Insurance

Weddings are a joyous time for a couple to celebrate their commitment to each other. An average wedding takes approximately 13 months to plan and the costs add up quickly with the average wedding cost totally nearly $34,...

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The Difference Between Comprehensive and Collision Insurance

Together, these two common types of auto insurance offer you protection when your vehicle is damaged. The type of damage they cover, however, is very different. Let’s begin with a description of each: · Collision covers...

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The different types of collision coverage

Michigan law requires you to have no-fault auto insurance on your vehicle. In the event of an automobile accident, collision coverage will help pay for damages done to your car. The three types of collision coverages...

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People Need to Buckle-Up in the Back Seat too!

Teens buckle-up far less frequently than adults, but everyone needs to buckle up when in an automobile. Sadly, 60% of our teens killed in car accidents were not wearing seat belts. Interestingly, the driver is more...

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Rebates and Payment Assistance

Many things have changed in the world since the COVID-19 outbreak. Schools are closed, places of business and worship are closed, and life as we know it will forever be different. We are happy to report that several...

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Benefits of having an agent

Being Your Friends in the Insurance Business is so important to us and there are so many benefits of using an Insurance Agent over buying direct. Buying direct means no agent is involved, and you are left to choose the...

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Understanding Employment Practice Liability Insurance (EPLI)

EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. Even small...

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Safety in the workplace

Safety is important in the workplace but did you also know it could help to lower your insurance premiums? Making sure employees are trained correctly for the equipment they are using will significantly lower the risk...

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Make the most of your health insurance

Whether you’re covering the whole family or have an individual policy for yourself, health insurance is expensive. According to the Kaiser Family Foundation, the average premium for family coverage has increased 22%...

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Long Term Care Insurance

Can you afford an extra $75,000 to $100,000 bill during your retirement? If not, you should consider purchasing Long Term Care Insurance (LTC). Nobody wants to think about LTC but nearly everyone needs some version in...

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Newly acquired auto coverage

"I'm going to the dealership on Friday after work. What do I do if I buy a car?"In Michigan, if you have an active auto insurance policy with liability, comprehensive, and collision, you have fourteen days of automatic...

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Inland flood coverage on a homeowner's policy

Remember the flood in June of 2017 right here in Midland? So many were affected! Auto-Owners insurance now offers an Inland Flood endorsement that you can add onto your Homeowner’s policy which is specifically designed...

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Do you need equipment breakdown coverage?

Several homeowner’s insurance carriers offer Equipment Breakdown coverage. Equipment Breakdown covers important home systems and personal property due to loss by mechanical or electrical breakdown. Some of the covered...

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14 items you should keep in your car for all situations

1. Flashlight (with spare batteries) – Because sometimes life’s unexpected moments happen in the dark. 2. First-aid kit – Carry different sized bandages, antiseptic wipes, gloves, pain relievers, scissors, cotton balls,...

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Which state should I insure my vehicle in?

There has been some confusion on which state should insure your automobile. If you live primarily in one state (where you are licensed), you most likely have your vehicle titled and registered in that state. If that is...

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