Ieuter Insurance Group Blog

Auto insurance rates are on the rise again, as claim frequency and claim severity have both increased steadily in the past few years. With the 10 largest companies reporting double-digit increases in 2023 as reported in...

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Most sole proprietors are a one-person team and the owner of the business is not considered an employee. However, this is not always the case and sometimes there is a small crew. A sole proprietor is not required by the...

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Original Medicare doesn’t pay for all the cost for covered health care services and supplies. Medicare Supplement Insurance (Medigap) policies sold by private insurance companies can help pay some of the remaining...

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When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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As of last week, it's officially winter, although we in Michigan often experience wintery weather way before the winter equinox. If you're traveling this winter, we encourage you to take the following precautions to...

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It’s the most wonderful time of the year! While Christmas tree fires have been on the decline since the 80’s, they are still common, and the sad reality is one of every 32 Christmas tree fires results in a death. Here...

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Frozen pipes are no fun to come home to or wake up to. There are several reasons pipes freeze, ranging from lack of insulation to quick drops in temperature, from the temperature being set to low to the wind blowing on...

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Follow these tips to keep your household safe from fire hazards this holiday season: 1. Make sure the fire in the fireplace is completely out before going to sleep. 2. Keep flammable items at least three feet from your...

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As we enter the time of the year where Michigan's weather becomes more unpredictable, you might be thinking about getting a generator. When power goes out a portable generator can be a lifesaver, and when used properly...

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Will you be deep frying a turkey this Thanksgiving? Be sure to read the manufacturer's instructions carefully, and consider traditional oven-style turkey preparation if you can't ensure you'll be able to prepare your...

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Have plans to travel for the upcoming holidays? Safe travel in the winter certainly involves planning ahead. Here's some tips from our friends at the National Association of Professional Insurance Agents. (Did you know...

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Nighttime driving can be riskier at any age but seems to have the most impact on the elderly and young, inexperienced drivers. However, there are things you can do to keep your nighttime driving as safe as possible. As...

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If an employee drives their personal vehicle for business purposes, as the owner of the company, am I responsible for damages from a potential car accident? The answer to this question is yes! If an employee is driving...

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Are you ready for ghosts and goblins that could visit YOUR home on Halloween? Have a safe Halloween with these tips:*Encourage the use of makeup, hats, or wigs in lieu of masks, which can obstruct vision. *Cross the...

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Walking down to your basement to find that water has filled your home is a horrible feeling and a major headache. Please don’t delay fixing the problem as mold can start to grow in 24-48 hours. If it is clean water,...

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As open enrollment periods approach, you may be considering the benefits of an HSA.Paying for healthcare expenses can be very stressful, but there are options to assist in covering those unexpected bills. A Health...

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Every year since 2003, October has been recognized as Cyber Security Awareness Month (CSAM). This effort was brought to life through a collaboration between the U.S. Department of Homeland Security and the National...

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Executive umbrella policies provide additional liability limits in addition to your personal auto, homeowners and watercraft policies. What will happen to your assets if you’re involved in an automobile accident, and...

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If you get in an auto accident, what should you do? If anyone is injured, call 911. Move to a safe area. Get a police report, especially if the other party is at fault.Take pictures of damage, license plate, other...

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Today, we'll discuss what an installation floater is for building contractors and what it covers on your commercial insurance policy. An installation floater is part of your Inland Marine coverage but different than the...

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An annuity is essentially a contract between you and an insurance company in which you deposit a sum of money, and interest accrues on that deposit. With our ever-changing economy, annuity policies with Auto-Owners are...

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Imagine the following scenario: Stella was traveling east down the street. Another auto was driving north and ran the stop sign. Stella’s car was hit. The police were called, and the other driver was cited for failure...

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Disability Insurance, also known as Disability Income Insurance, pays you a portion of your wages in the event you are unable to work due to a serious illness, medical condition or injury. It is typically offered by...

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Many kinds of businesses use volunteers on a regular basis, and it is typically a mutually beneficial relationship. But what happens if one of your volunteers gets hurt? Who pays their medical bills? The common...

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It's a busy time of year for parents preparing to send their children off to college. Your Friends In The Insurance Business at Ieuter Insurance Group recommend checking in with your agent before they depart to ensure...

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If you want to reduce your risk of traffic accidents and the insurance claims that accompany them - which could cause your premium to go up - you need to drive defensively. Here are some driving tips to help you avoid...

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If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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For the Scott family, making a difference is a family affair. Steve Scott embarked on his first Wish-A-Mile Bicycle Tour last year, training much of the year for the rigorous 300-mile, three-day cycling circuit from...

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Looking for a great way to beat the heat and explore the Great Lakes Bay region? Register for a History Tour on Bay City Boat Lines' Princess Wenonah next week (July 10-13), courtesy of Your Friends In The Insurance...

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Michigan drivers take note: Under the a new law that takes effect on June 30, drivers will be barred from using social media, watching or recording videos or holding their phones to make a call while driving in addition...

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Water has been in short supply in many areas of the United States lately. And even if it’s bountiful where you live, you may be paying more for water than you’d like. Here are some tips for using less water and saving...

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Remember the auto refund Michigan drivers received from the State of Michigan last year? Now the MCCA fund (State of Michigan fund to pay for medical claims) is at a deficit in part because of all the money the...

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Are you planning on heading out on the open water this summer? Putting your boat in the water for the first time this year? Don't forget to reach out to Your Friends In The Insurance Business to make sure your coverage...

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Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip,...

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Did you know it takes less than 15 minutes to save a life (or lives) as a blood donor? Donation times typically run between 8 and 10 minutes and make such a crucial impact on community health. Sign up for your preferred...

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When our furry friends are sick we sometimes have to make that urgent decision at the vet’s office on how much we can afford to spend. In 2020 Americans spent more than $31.4 billion on veterinary care. Pet insurance...

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Did you know that more lives are lost every year to home fires than all other major disasters? Your Friends In The Insurance Business at Ieuter Insurance Group in Midland, MI. know how important it is to have properly...

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Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to...

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Thank you to Shawn Gregg at at Michigan Insurance Company (a Donegal Insurance Group Company) for visiting the team at Ieuter Insurance Group to personally present this Agency of Distinction Award for reaching the...

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Thanks to the Midland Daily News for this coverage of our own Kurt O. Ieuter earning a spot on Auto-Owners Insurance's President's Club for the 23rd time in 2022. https://www.ourmidland.com/news/article/kurt-ieuter-...

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Why does a stay-at-home parent need life insurance? This is a question that we frequently get asked when discussing life insurance policies with our clients. Many people think of the income that a working parent brings...

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Buying insurance can be confusing. Price is important, but so is getting coverage that fits your needs. You want good value for your money, whether you’re buying protection for your home, your car, or your business.The...

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Every year there are reported cases of ER visits for around 8 million people slipping and falling at a place of business, according to the National Floor Safety Institute.Slip-and-fall accidents aren't the #1 cause of...

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Your Friends In The Insurance Business at Ieuter Insurance Group were delighted to provide job shadowing this week for the participants in Northwood University's Insurance Leadership Academy for high school juniors and...

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In Michigan, we spring forward this Sunday, so don't forget to reset any clocks that don't automatically update including your microwave, older automobiles and more.While you're at it, we recommend switching out your...

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Do you own a business? Are you a sole proprietor? Are you excluded from workers compensation? What happens if you get hurt at work and you do not have workers compensation coverage? Do you have enough money saved up to...

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Professional Liability is a type of business insurance policy that provides coverage for businesses and professionals to protect against claims for negligence or errors and omissions. Individuals with an area of...

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Not sure if you're covered for all the unexpected hazards that throwing a party might entail? Be sure to discuss your coverage needs with Your Friends In The Insurance Business at Ieuter Insurance Group. We've got all...

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Ever forget to put your Proof of Insurance in your vehicle? Need to submit a change after hours? Need to send a Certificate of Insurance? With our Ieuter 24/7 app, you can do all of this and more! This great app will...

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It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would...

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Did you know that January is National Blood Donor Month?It only takes 15 minutes to save a life, and we've expanded our hours for our January drive to make it easier to donate after work!Sign up for your preferred...

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Did you resolve to be more organized this year? One of the most important ways to do this and to make sure you're covered in an emergency is to update your Home Inventory list. There are some great apps that can help...

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Did you give (or get) a drone for a holiday gift this year? Read this helpful info from our partners at the National Association of Professional Insurance Agents to answer all your drone safety and drone coverage...

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As you finish purchasing the last gift items on our Christmas lists you may want to review your insurance coverage. Are you purchasing an Ipad for your teenager or a diamond necklace for your partner? If so, you may...

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Have plans to travel for the upcoming holidays? Safe travel in the winter certainly involves planning ahead. Here's some tips from our friends at the National Association of Professional Insurance Agents. (Did you know...

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With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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Will you be deep frying a turkey this Thanksgiving? Be sure to read the manufacturer's instructions carefully, and consider traditional oven-style turkey preparation if you can't ensure you'll be able to prepare your...

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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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Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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As we start running the risk of snow, it's a great time to double-check that your car is stocked with all the necessities. Here's a great list to get you started: 1. Flashlight (with spare batteries) – Because sometimes...

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Deer are everywhere, and with shorter days come more dark hours where it can be tough to avoid them! 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...

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As chilly fall evenings are finally upon us, Your Friends In The Insurance Business at Ieuter Insurance Group are thinking about fireplace safety. Here's some safety tips from our friends at the National Association of...

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For all your insurance needs, visit us at https://www.ieuter.com Ieuter Insurance Group - 414 Townsend St Midland MI 48640 (989) 487-1758 Social accounts: https://www.facebook.com/ieuterinsurancegroup/ https://twitter....

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A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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It's the Great Pumpkin Charlie Brown! 🎃 Wait ... that's not Charlie Brown, it's our own President Cal Ieuter! It's that time of year for the Great Pumpkin Giveaway brought to you by Your Friends In The Insurance...

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Your Friends In The Insurance Business at Ieuter Insurance Group are proud to be once again partnering with Versiti Blood Center of Michigan for a blood drive on September 13. We asked a few members of the five-gallon...

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If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should...

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We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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Both Michigan residents and out-of-state visitors can enjoy DNR-designated routes and trails without purchasing an ORV license or trail permit this weekend (August 20-21, 2022). Here's some tips to enjoy free-ATV...

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Grilling food is a fun pastime, and it’s ideal on those summer days when you don’t want to heat up the kitchen. But every year, there are accidents and home fires because people don’t grill safely. Follow these tips to...

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Much of our region saw some serious storms come through in the last 24 hours.Severe storms can be frightening-and damaging. Here’s a quick reminder of steps to take after a big storm: Don’t drive after a severe...

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You may have received an email from Your Friends In The Insurance Business at Ieuter Insurance Group warning you about the risks involved with ride-sharing apps, both for drivers and for passengers. If you have any...

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No one likes the thought of having pests in their home, whether they be rodents, cockroaches, ants, or any other common household pests. If pest activity is common in your area, it is important to take steps to prevent...

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Medicare scams are something that often happen to the unsuspecting, and these scammers primarily target the elderly. Scammers will contact you through various means: phone calls, mail, fax, and even door-to-door. The...

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Issues to Consider Before Renting Out Your Home Renting out your home on a short-term basis while you’re away may seem like an easy way to earn some extra cash. But operating your home as a business, even in short-term...

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You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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For all your insurance needs, visit us at https://www.ieuter.com Ieuter Insurance Group - 414 Townsend St Midland MI 48640 (989) 487-1758 Social accounts: https://www.facebook.com/ieuterinsurancegroup/ https://twitter....

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It's"three free" weekend June 11-12, when the free off-road-vehicle (ORV) weekend lines up with Summer Free Fishing Weekend, when fishing licenses and the Recreation Passport requirement are waived at Michigan State...

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Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) Or perhaps a friend-cation like the one several Midlanders pictured above took recently...

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Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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Are you a digitally savvy donor? Donate blood at Ieuter Insurance Group's May 9 Versiti Blood Center of Michigan blood drive and you will be entered into the Donate for Downloads Sweepstakes for a chance to win a $75 e-...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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April 22 marks the 52nd annual Earth Day, when more than 1 billion people in nearly 200 countries are expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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Spring is here, and we're starting to see more and more motorcycles on the roads. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re...

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Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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General liability insurance is crucial if you have a business to protect. If a third party gets hurt and has bodily injury, incurs property damage, or claims to have been damaged by an advertisement that was posted (...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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Most personal auto insurance policies cover you for rented vehicles, and they will cover you for the same coverages you have on your personal auto policy. Before renting a car, check first with your agent to see if your...

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Do you have employees and/or volunteers using their personal vehicles on behalf of your organization for activities such as running errands, performing services, or transporting clients on behalf of your organization?...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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Your Friends In The Insurance Business at Ieuter Insurance groups have been fielding a few calls from clients with questions about Blue Cross Network's coverage of in-home Covid-19 tests. As of Jan.15, 2022, all...

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Do you have questions about the refund of $400 per insured vehicle that Michigan policyholders are expected to receive by May 9, 2022? Visit the DIFS website for answers to frequently asked questions, including whether...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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E-Bikes are a popular holiday gift this year, which leads to questions about whether you have to do anything special when it comes to insuring them. The answer is: YES! Call Your Friends In The Insurance Business any...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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Camp Fish Tales provides a place for individuals with special needs to experience the outdoors, connect with peers and develop skills that enhance their quality of life. To cast your vote, visit our Make More Happen...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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Health insurance plans generally utilize one of three provider network designs: PPO, HMO or POS. Knowing which one your plan uses helps you understand the extent of coverage your health insurance provides and plan for...

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Your home provides security, joy, privacy and shuts out the noise of the world. Whether your home is big or small, it’s still your sanctuary. Buying homeowners insurance is the best way to safeguard your greatest asset....

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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Did you know Your Friends In The Insurance Business can help you insure your four-legged family members, too? Take comfort in knowing that we offer pet insurance for your fur babies. When you utilize pet insurance, you...

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When you sent your student away to college this fall, did you remember to pack renters insurance? Yes, kids away at college and renting homes or apartments need renters insurance. Renters insurance is the easiest and...

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There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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An employee is 15 times more likely than a non-employee to steal from an employer. Employees who steal typically have worked within the business for several years before beginning to steal, and they continue for an...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars-or a fire or some other...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects - and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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Summer is here and people are flocking to the water - whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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What is the meaning of underinsured? - If your property is underinsured, it means that your insurance policy covers only a part of your total assets. Reasons for Underinsured Homes - Reports suggest that there are...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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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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Have you ever heard of Sitting Disease? Most of us working in an office setting (students, commuters, etc.) are sitting too much. The average American sits 11 hours per day, and the cost is high and presents itself in...

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You are in the process of shopping for a new car (or new-to-you car) and found one you love! The deciding factor for going through with the purchase may be the cost of insurance. Your Friends in the Insurance Business...

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Health insurance is one of the most critical aspects of securing your future. It is essential to safeguard your family, and you mustn’t take it lightly. Carefully scrutinize the details and see the terms and conditions;...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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We all make driving mistakes once in a while. People accidentally ram into mailboxes all the time, and even though you might not get hurt, your car may have sustained insurance-worthy damage. The question at this point...

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A lot of financial advisors will stand by the statement: “Buy term and invest the rest.” This statement refers to the fact that term insurance is often 10x less expensive and that the stock market will traditionally...

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Home Cyber Protection is more and more important and cyber crime has been increasingly on the rise and impacts both individuals and businesses alike. Home Cyber Protection provides the following coverages: Cyber Attack -...

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From computers to cranes, stoves to HVAC systems, your business undoubtedly relies on equipment to run smoothly. However, the mechanical, electrical, and computer equipment your company uses are not invincible....

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In this day and age it is very common for people to have a small business or a hobby that brings in some extra income. Whether you have a full-time job and enjoy earning some extra income with your part-time hobby, or...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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General liability insurance is crucial if you have a business to protect. If a third party gets hurt and has bodily injury, incurs property damage, or claims to have been damaged by an advertisement that was posted (...

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We've finally got a good bit of powder on the ground, and snowmobile enthusiasts are ready to jump on the sled and have some fun. To keep yourself safe, there are precautions you need to take to ensure your safety and...

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Several medical insurance coverage plans don’t cover dental care, despite teeth problems having a significant impact on an individual. Several dental treatment plans such as braces and teeth whitening are deemed not...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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If you've been in an accident involving a deer, take these steps to ensure your safety and that of the animal: Move your vehicle to a safe location. If possible, pull over to the side of the road, and turn on your...

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Life insurance provides financial stability to your family and your loved ones after you pass away. It is a long term investment and acts as a security blanket for your family. Life insurance is a contract between the...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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- - Unlike crashing your own car, getting compensated by your insurer for crashing someone's car may be quite difficult, but not impossible. In this scenario, there are several factors to consider before your insurance...

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Keeping you and your family safe, even in harsh weather, is one of the numerous functions of a standard roof. Just like anything of value, it is also important that your roof has adequate insurance Michigan coverage....

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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 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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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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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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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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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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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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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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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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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 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 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? 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 mind...

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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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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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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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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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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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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 approved....

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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 require...

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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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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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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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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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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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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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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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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 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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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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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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"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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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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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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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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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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Icicles can become very dangerous when they grow large, especially when they have a long distance to fall. Besides the risk of injuries and fatalities, large icicles falling with this force can cause significant...

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So far this season recent historic winter storms have battered the east coast leaving roads to dangerous to travel and thousands without power for extended period of time. Being Michiganders we pride ourselves on our...

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When winter weather strikes, harsh driving conditions present challenges to even the most experienced drivers. Educating and helping to prepare your newly-licensed teen driver is crucial this time of year. Take some...

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What an exciting time of year, the weather is changing, holidays are coming, and the Black Friday deals are everywhere. Don't forget to add that new piece of expensive jewelry to your policy as soon as possible. Adding...

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Did you know that each day approximately 10,000 people become eligible for Medicare in the United States? That is a lot of people walking around completely clueless about Medicare and its multitude of plan options. Well,...

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What is a Roundabout? – There are no traffic signals or stop signs as drivers yield at entry to oncoming traffic in a circular intersection. Do Roundabouts help traffic flow? – Roundabouts promote a continuous flow of...

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Do you have employees and/or volunteers using their personal vehicles on behalf of your organization for activities such as running errands, performing services, or transporting clients on behalf of your organization?...

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The State of Michigan offers three different types of Collision coverage for you to choose from. These different coverages help you tailor your insurance coverage to best fit your needs. Limited Collision - If you...

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What would your family do if you died tomorrow? That is a tough question that you need to spend some time thinking about. Will your family be able to maintain their same lifestyle? Do you have a lot of debt? Young kids?...

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Many fraudulent claims can have a significant effect on any type of business even small. A worker who fakes a disability will impact a companies productivity. The absence of the worker claiming injuries creates a burden...

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Why do you need Cyber Insurance? Businesses of all size, scale and industry can be affected by cybercrime but most hackers target businesses that employ fewer than 250 people. On average 1.5M cyber attacks happen...

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Future insurability! Don’t you want them to be able to protect your future grandkids? Imagine if something unfortunate happens and they got sick. Luckily, they get better. But what if it is a type of cancer, diabetes, ...

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Summer boating safety –before heading out for a sun filled day on the water make sure your boat has flares that are not expired, enough life jackets for the passengers on your boat, anchors, ropes and a working ladder....

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With warm weather upon us, we should all be aware of Motorcycle Safety. Following are some good tips: Keep a gap between you and cars – When riding or even driving, it is imperative to keep a safe distance between you...

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For less than the cost of a half hour with a lawyer, you can protect yourself and your family with an additional million dollars of liability coverage. An umbrella is even broader than going above your home, auto, and...

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After a loss happens, whether it is damage to your Home or your Auto, many things are running though your mind. “Who do I call for repairs?” “Is this covered?” “What is my deductible?” Something to always...

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Have you noticed a cloudy film over your headlights? This is quite common and is part of your vehicle’s natural wear and tear. Have you ever considered headlight restoration? This may sound like an additional expense...

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Getting stuck driving in heavy rain can be scary. It’s hard to break quickly, and your car could hydroplane. Here are some tips for driving safely in a rainstorm. Turn on your headlights-Rain reduces visibility,...

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Damage done by water back-up of sewers and drains is an optional coverage that most companies offer on a home policy, depending on whether or not your home is located in a flood plain area. This protection provides...

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In today’s economy it is important to keep our monthly expenses as low as possible. While I wouldn’t recommend sacrificing coverage to save a few dollars, there are many ways to keep your insurance cost down. 1. Ask For...

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Are you paying more than you should for insurance? Is your agent applying all the discounts you deserve? Multi Policy discounts are real and one of the easiest ways to lower your insurance premiums. When you bundle...

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With insurance companies promoting saving money by calling a 1-800 number it’s very tempting to pick up the phone and make that call but before you do remember what an independent agent offers you! Customer Service-It’...

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Recent political and legislative events have called into question the law regarding how and when Americans can seek health insurance coverage. The Affordable Care Act, also know as Obamacare, has been in the news again...

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With high winds causing trees to come down, we are getting many questions about who is responsible for a fallen tree on a neighbor’s building? If the tree is healthy, it is considered an act of God, and the owner of the...

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We are already a month into 2019, and have probably already dropped our new years resolutions. However, there is one that should stick around, see a doctor this year. According to American Academy of Family Physicians...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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What is Cyber Liability and why should you have Cyber Liability for your business? This type of insurance covers your business liability for a data breach involving sensitive customer information. You should have cyber...

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Icicles may be pretty to look at, but resist the urge to look up – you could be injured. Icicles can become very dangerous when they grow large, especially when they have a long distance to fall. Besides the risk of...

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It’s that time of year again where the roads are going to start getting slippery. Make sure that your tires and fuel levels are good every time you go out. Be careful and maintain a safe speed. In the event of an...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Do you ever look at your insurance declaration pages in detail at the time your policy issues or renews? Or do you search for them or call your agent once you have a claim asking about the amount of your deductible? A...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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No one ever wants to think about buying life insurance on a child. But here is why you should: the future insurability of a child. Even with no family history of any illnesses, we can give you countless stories of young...

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Everyone knows umbrella liability policies are the best forms of protection money can buy. They respond to protect you above and beyond your homeowners and auto insurance in the event of litigation. But why have they...

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On your homeowner’s, condo, or renter’s policies, there are value and coverage limitations for certain types of your personal belongings. If you have a theft of such items as jewelry, furs, silver or gold items,...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Summer is coming to a close, the kids are back to school, the days are getting shorter, which means fall is on its way. With cooler weather we will be spending more times inside. Take the time to make sure your home is...

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At Ieuter Insurance, we support farmers! We know that it takes a lot of dedication, long hours, and hard work to bring in your crops. Looking to buy new equipment to improve your harvest experience? Call for a Tractor...

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Aging into Medicare can be scary, but it can also come with many unexpected perks. Here are some answers to common questions that may surprise you: Am I going to have to choose a new doctor? Approximately 91% of all...

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In today's economy it is hard to find a savings account that has a higher interest rate than .3%. In fact the national average interest rate is 0.06%. Sure you can find a couple of online banks that will hover closer to...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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An umbrella is a liability policy providing up to $5 million in coverage. This is a separate policy designed to supplement your auto, home, renters, and business policies. It protects your assets from unforeseen tragic...

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What a time to be alive! Now we can order our groceries through an app and have them personally delivered right to our office, home, or location of our choice. As Shipt’s popularity continues to grow for members, so...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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There has been some confusion over time regarding what state your vehicle’s insurance needs to be in. If you live primarily in one state (where you are licensed), you most likely have your vehicle titled and registered...

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What is physical damage and why is it important? Physical damage provides coverage for your vehicle due to a loss such as accidents, collisions, fire, theft or vandalism. There are two types: 1. Comprehensive physical...

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Did you know there are over 15 health benefit available to you for free with your Affordable Care Act health insurance plan? The Department of Health and Human Services estimates that less than 40% of people eligible...

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Homeowners insurance carriers will periodically conduct inspections on properties that are new with the company. Some have a policy of reviewing in a certain time frame (as often as every 3-5 years) or based on random...

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Years ago, one of the first things I remember about meeting my future Mother-in-law is that she didn’t like to drive. She disliked driving so much that she would plan her daily driving route with right hand turns only,...

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Summer is here! And if you have a motorcycle you're probably getting it back on the road soon. At IIG we feel it's important to educate everyone, especially those who may not have motorcycle experience, on how to keep...

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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It’s Motorcycle Season! Now is the time to get re familiarized with the rules of the road. We have compiled 10 motorcycle tips to help everyone enjoy a safer ride. 1. Watch Drivers' Heads and Mirrors Paying attention to...

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As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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When should I have my young driver on his own policy? A young driver should have their own policy when they either have their own vehicle or turn 18. Why? The reason for this is liability. A parent or legal guardian is...

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Our culture has changed so much in the last few years! Now you can order almost anything online and have it delivered to your doorstep. While this has serious perks it can have drawbacks with things that are better...

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Here's a handy check list to make sure you're properly covered! Toys & Vehicles – Did you take insurance off any motorcycles, ATVs, boats, or vehicles in the fall, or never had it in the first place? Make sure you...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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On this very snowy day we thought we'd talk about happier times in the sunshine! With summer approaching many people are thinking about getting their boats ready to hit the water. Here are a few tips that will help make...

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Effective July 1, 2018 the MCCA Assessment will be increasing from $170 to $192 per insured vehicle. You may be wondering what is the MCCA? The Michigan Catastrophic Claims Association (MCCA) is a private non-profit...

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Buying a new car? It's best to remember to call us, please don’t leave it to the dealership. When buying a new vehicle, reach out to our agency at your earliest convenience and we will walk you through everything. We...

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What is a proof of insurance? A proof of insurance is a card that is presented to you by your insurance carrier that shows that you have purchased insurance for your vehicle. It is also referred to as an insurance ID...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Many businesses in the trucking industry now use electronic logs (e-logs) to track the use of a vehicle for their drivers. This is a convenient way to keep records for any important information like mileage, location,...

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The winter is almost over but before it is many people will be leaving for sunnier parts of the world. Whether traveling to beat the winter blues or for spring break please remember we can help with your travel...

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Audit can be a scary word. Most people get very anxious when they hear it. They associate it with the IRS and their own income taxes. But insurance audits don't have to be intimidating and can even results in refunds or...

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We are often asked about the necessity of Long Term Care insurance, especially when our insureds are dealing with transition for a loved one. The move to a higher level of medical attention is something that can have a...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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Does your business need commercial auto coverage? If you use a vehicle for work, you probably need a commercial policy. Many small business owners are excited to purchase a company car; however, what they don’t realize...

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This time of year spring seems a long way off but we thought we'd give you a glimpse of warmer weather by talking about a new coverage offer from Auto-Owners Insurance! For those of you who have an Auto-Owners home...

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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 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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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 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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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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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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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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The icicles hanging from your eaves and gutters last year may be a faint memory now. But winter is coming, and along with it one of your home's worst enemies—ice dams. Ice dams are continuous chunks of ice that form...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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We have already seen snow once in Michigan - this was just a sneak peak at what's coming for the winter months. Here are some tips from our friends at Auto Owner's Insurance to keep all drivers safe on the road. Driving...

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If you've ever been in a car accident you know the feelings of shock, fear, and confusion as you try to sort out the events and make sure everyone involved is okay. We think it's a good idea to have a list of things to...

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The main purpose of Business Income coverage is for business continuity. It provides funds to pay for continuing expenses that remain even though the business is not operational at the moment due to a covered loss....

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A wedding includes not only the big day but the events leading up to it as well. Combine the wedding and reception with the rehearsal and rehearsal dinner and you have a lot of possibilities for problems. Think of all...

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Fall - like all seasons - is full of it's own unique driving safety hazards. It's important to take precautions to make sure that we all arrive at our destinations safely. One thing to remember is to not break hard on...

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It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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The leaves are starting to change and signs of fall are here. Deer-vehicle crashes peak during this season. Here are a few safety tips to keep in mind as you enjoy our beautiful Michigan fall. Drive at a safe speed and...

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It's been another wonderful summer in Michigan, and while some are still holding out for a few more nice weekends, many are beginning the process of putting the toys away in preparation for the winter months. We cover a...

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Business owners who deal with logistics, transit, and transportation are all too aware of the feeling when they are informed of a cargo loss. There are many scenarios in which this can happen and it's important to know...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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At Ieuter Insurance Group, we love to promote safety! We see your family as an extension of ours and want to make sure you and your kids are prepared to get back to the school routine. With these tips from the National...

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It's that time of the year again…back to school. We all hear about the deals for back to school products in radio and TV ads, along with seeing the large displays in our favorite grocery store. But something is...

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When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger.According to the U.S. Centers for...

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Distracted driving is one of the leading causes of accidents. Text messaging increases crash risk by 23 percent. Using your phone while driving is extremely dangerous! Distracted driving accounts for 20% of injury and...

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In the event of an emergency while on the road most of us assume that our cell phones are enough protection against the unexpected. But what happens if you aren't able to use if for some reason? It never hurts to be...

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Have you ever suffered through a bad cold or flu because you didn't want to deal with the time or logistics of going to the doctor? If so, you are like millions of other Americans who feel like their healthcare can be...

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Summer time means that golf carts are zooming around in campgrounds, county fairgrounds, marinas and neighborhoods as people are enjoying the outdoors. It's important to make sure that your golf cart is covered properly....

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The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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A lot of people dream about being a superhero and saving lives. We may not be able to fly through the sky or have incredible strength, but we can save lives with only an hour of our time by donating blood. Here are a...

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As we are in the days of summer, here are some helpful tips to make sure you and your loved ones are properly protected:1) Pools and Trampolines: Before inviting friends and family over to enjoy your pool or trampoline,...

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Want to know what can ruin a summer barbecue faster than rainstorm? Fire! Be careful when you're grilling up those tasty burgers for friends and family, June and July hold the highest occurrence of grill-related fires...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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One question we frequently hear is "What's the difference between Ieuter Insurance Group and my insurance company - aren't you one and the same?" We are here to clear up the difference and explain why it's great to have...

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Summer is an exciting time for everyone, especially kids! The end of school provides time for many children to have outdoors adventures, often away from direct adult supervision. Here are the top five things to teach...

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If you have damage to your roof, you may feel overwhelmed with the stress of filing an insurance claim and repairs that need to be done. We're here for you! To avoid possible frustration here is one thing you may hear...

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Do you know the difference between Term and Whole life insurance? Your most important and valuable asset is your ability to earn income. Make sure you understand the basics about life insurance. A Term Life policy is...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Do you have enough limits to rebuild your building if disaster happens? Besides rebuilding, don’t forget there are many additional costs. Debris Removal can be very costly. If there are pollutants or asbestos, it can be...

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When you review your auto insurance policy, you may see the term “PIP” or Personal Injury Protection. Every Michigan auto policy must have medical coverage - personal injury protection - the portion that makes the auto...

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April showers bring....potholes?! As every driver in Michigan knows, one of the least loved parts of spring is the damage the long winter does to the roadways. Potholes can occur in any climate but typically come from...

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It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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Are you sick of getting stacks of mail everyday? We may have a solution for you! WIth more and more companies converting to online statements and notices there is no need to overwhelm your mailbox or leave stacks of...

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Spring is here! And if you have a motorcycle you're probably getting it back on the road soon. At IIG we feel it's important to educate everyone, especially those who may not have motorcycle experience, on how to keep...

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Now that winter is fading away and spring weather in on the way, you’re ready to take a break and hit the open road. But is your vehicle ready to take a long drive? Follow these six helpful tips to make sure your...

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What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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With Michigan thawing out and the warmer weather fast approaching, pedestrian traffic is on the rise. Pedestrians are the most vulnerable users of the roadways, be sure to take care and avoid risk to yourself and others....

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When it comes to purchasing a vehicle most people need to work around busy schedules to shop for the right car and then finish the paperwork for the purchase. This means that there are times that you have a new car to...

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Cleaning your gutters can be a quick and painless job. It’s also a job that many people ignore for far too long. It’s not something that needs to be done daily, weekly, or even monthly. In fact, all it takes is...

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Happy Valentine’s Day! It is estimated that 6 million couples are likely to get engaged this Valentine’s Days. Here are a few tips for the newly engaged couple: The engagement ring, the average cost of a diamond...

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Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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Even though Punxsutawney Phil did not see his shadow this year, winter isn't over yet! With the weather fluctuating as it has the ice and snow build up on your home and vehicles can still be a hazard. Here are some tips...

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When we meet with clients to discuss their auto coverage we typically hear “PLPD” or “Full Coverage.” But many people don't completely know what the terms mean. We're here to clear things up for you! Full coverage...

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About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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In 2014, 49% of residential fires caused by home heating equipment were due to fireplace/chimney problems. A properly cared for chimney system can completely prevent chimney fires. Here are some signs that you’ve had a...

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According to OSHA the number one risk to those who work in cool environments is Cold Stress. This occurs when anyone working outdoors and/or in cold environments has a drop in skin temperature which then leads to a...

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As of this week Mother Nature has decided to give Michigan a winter a with it has come snow and ice on the roads. Be sure to brush up on your winter driving tips as you brush the inches off your vehicle. Here are some...

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Cyber liability insurance keeps growing with the advancement of technology but there are four exposures that you can cover today and protect yourself from loss.Data Breach: Increased government regulations have placed...

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As our holiday season is quickly approaching there are some safety tips to make sure you and yours stay safe. 1.Salt and sand your walkways and steps. Slip and fall accidents are the most common cause of injury every...

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The Affordable Care Act brought on many changes in the health insurance industry. The biggest one of all was the established Open Enrollment Period from November through January. This is the time of year when anyone who...

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It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Will you be deep frying a turkey this Thanksgiving? If so, keep these tips in mind and reduce your risk of a deep-fryer-related fire.Thaw and dry the bird. Adding a partly frozen or wet bird to hot oil will cause...

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Thanksgiving and Christmas are quickly approaching - it's always a great idea to keep some key things in mind to stay safe and make the season even more enjoyable! Here are some safety tips from your friends at Ieuter...

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It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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No one wants to think about losing a child, but that is NOT why you should consider buying life insurance on a child. Future insurability is my number one reason. When you child gets older and has a family, what if they...

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Do you have a generator to run the systems in your home in case of an emergency loss of power? If so, you would be eligible for a discount on your homeowners insurance! The Automatic Backup Generator Discount is offered...

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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When it comes to our children and grandchildren, can we ever provide them with enough protection? Will they be able to purchase life insurance to cover their future family's needs if something should happen to them? As...

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It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Do you have a student in your family? College students living in off-campus housing are ideal candidates for renters insurance. Many students bring expensive gaming systems, smartphones, televisions and computers with...

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Two thirds of households in America have air conditioners, according to the U.S. Department of Energy - and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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Have you ever filed a claim on your homeowner's insurance? If not, you may not be clear on what your policy pays for until damage has already been done. When it comes to wording, it's important to know the meaning of...

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Did you know that small to medium size employers are often the most vulnerable to employee theft? Data for 2014 shows that 72% of employee fraud cases occurred in companies with less than 500 workers. In fact, 80% of...

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The word audit can be scary for most people - it creates the image of endless hassle and paperwork in almost everyone's mind. However, if you're a business owner it's important to understand that insurance audits are...

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When you think of high-risk areas for earthquake damage, Michigan probably doesn't come close to the top of your list. However, since the mitten has had two noticeable seismic events in the last few months - it may be...

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No matter how much experience you have, it is always a good idea to review boating safety rules before your departure. Making the following 10 tips part of your normal routine will help to ensure a safe and enjoyable...

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Did you know you might be able to save money on your auto premiums? If you have a child on your auto policy who gets good grades it may be worthwhile to check with us to see if the discount is available to you. Here are...

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Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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With the weather finally giving us the opportunity to spend more time outdoors it is important to know the risks of sun damage and ways to prevent harming your skin. Melanoma is the most common form of cancer diagnosed...

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There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don't get stuck in traffic, either). And they even have fun - as long as...

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As residents in a state that experiences all four seasons, we know that roadways can deteriorate quickly. It's a running joke in Michigan that we actually only have two seasons - winter and construction. Because of this...

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With summer right around the corner, pools are being opened up for friends and families to enjoy. Water safety is extremely important especially if you have children and pets around your house. Here are a few steps you...

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People have insurance for one reason: to protect their family and assets. But when you start playing out the "what ifs" you may find yourself in a situation where your home or auto insurance could not be enough. That's...

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Do you own a motorcycle? Do you understand the coverage you have for yourself and your passenger? Motorcycles must be insured but this does not provide you complete protection under Michigan's no-fault policy. To fill...

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Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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As the warmer weather is approaching it's about that time to get those toys out! If you are like many Michiganders, you enjoy boating in the summer. But did you know that there are certain things you must keep on board...

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Spring is a time for rejuvenation, and, as the weather gets warmer here in Midland, Michigan, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for reorganizing and...

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Does your business need cyber liability insurance? Big or small (40% of claims are less than 500 employees), the answer is yes! Did you realize that $195 average cost for each record lost? Even if a third party handles...

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When it comes to personal auto insurance our agency gets a lot of frequently asked questions. Here is the answer to one that is crucial to your coverage. We often hear: "Why does it matter whose name is on the title?"...

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Your driving history is one of the biggest factors in determining what you pay for car insurance. If you drive for several years without causing an accident or committing a violation, you will earn lower auto insurance...

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The weather in Michigan is getting warmer and before you head off for Spring Break, it's a good idea to venture out into the sunshine to take a look at the condition of your home. Winter weather can do damage to your...

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Spring is in the Air! With warmer weather comes the process of getting ready for the summer. This includes bringing toys out of storage such as boats, motorcycles, campers, or sports cars. It's important to make sure...

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From genetically modified crops to the environmental and health effects of pesticides, more and more Michigan residents are questioning whether they should grow what they eat. Wherever you stand on the issues...

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Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in Michigan, it may be a good time of the year to provide...

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Should you buy long-term care insurance? Where do you start to look for answers? At Ieuter Insurance group, we think education on this topic is very important. Let's look at the map for long-term care created by one of...

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Becoming a business owner comes with quite a few risks but many can be avoided. Purchasing adequate insurance coverage will help safeguard you and your assets in the event of a potential claim. At Ieuter Insurance Group,...

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It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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Super Bowl Sunday, since the inaugural game in 1967, has gained the status of a major holiday for Americans. On this day, we eat close to amount of food we do on Thanksgiving and drink the equivalent of 493 Olympic-...

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Technology is always advancing and the auto industry is at the forefront of change. Do you know about all of the safety features available today? You might be thinking about buying a new vehicle or you may even have...

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The Patient Protection and Affordable Care Act (PPACA) was signed into law during 2010. Since then it has caused a LOT of confusion, all the way up to the Supreme Court. Don't let healthcare reform strike fear into your...

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As the snow and ice increases there are lots of concerns about safety. Driving to school or work, making sure a roof will hold under the weight, or avoiding getting stuck in a driveway are primary concerns for most...

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As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Everyday life now includes a heavy dose of electricity to power our beloved devices - from computers to phone chargers. It is a common problem to run short of electrical outlets in the office, home, or workshop. Adding...

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1. Check your tire pressure and consider snow tires. Wet or icy roads can cause dangerous conditions in the winter so make sure your tires are equipped to handle adverse weather conditions. 2. Check your battery. Winter...

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As winter approaches we have gotten a fortunate break in between the snowflakes to finish last minute preparations. It may be a chilly process but you will thank yourself in the long run! All debris should be cleaned...

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Here at Ieuter Insurance Group you and your families safety are very important to us. So we ask that as you get ready to celebrate the holidays this year you take a few minutes to remember these important Christmas Tree...

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Now what? Have you ever taken the time to put down on a piece of paper what would happen if you died today? How is your family going to replace the lost income? If your spouse stays at home how are you going to afford...

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Do you have an ATV, snowmobile, old car that stays on your premises? If you think theft or damage to these unlicensed vehicles is covered automatically under your home or auto policy, think again. It is safest to...

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Did you know that most home and auto policies provide limited or no coverage for ATVs, snowmobiles, and dirt bikes if they are not specifically identified? Because of this it is extremely important to inform your agent...

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People often don't think of rental car coverage until their personal vehicle is in for service or they are making plans for a vacation. It's a good idea to know what kind of coverage you have and what kind you may need....

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Top 5 Disability Insurance Facts 1. Most Americans are better prepared financially to die than to become disabled, although the chances are at least three to five times greater of a disability occurring. 2. A 35-year-...

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Do you have coverage for jewelry, firearms, silver ware, money, or such things on your homeowner's policy? The answer is, "Yes, you have coverage for the same perils as your other contents and subject to your policy's...

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It's a little late in the season to think about boating, but it's never too late for safety! Keep these tips in mind for your water activities next Summer. If you own a boat (or better yet, as the joke goes, you know...

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Determining The Right Coverage For Your Seasonal Vehicle A snazzy summer-only sports car. The motorcycle that comes out only in warm weather. A heavy winter truck that you only use a few times per year. If you have a...

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Uber and Lyft are part of a growing trend in our nation. It may be convenient and cost effective to use ridesharing programs, but do you know all of the risks? Check out this information so you are prepared!

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If you're hosting an end-of-summer barbecue or are having some friends over to watch the game, you may have a liability exposure that you aren't aware of. If you think your homeowners insurance is enough coverage we...

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Are you planning to head to south this winter? Like many residents of Michigan, you may seek a warmer climate for the long winter months. To protect you and your property while you are away, please take note of a few...

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At Ieuter Insurance Group, we believe that an informed consumer is a smart consumer. We'd like to take this opportunity to explain a very important aspect of your coverage. No-Fault auto insurance is required by law in...

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Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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In our technologically advancing world it is no secret that we are surrounded by instant access to information and each other. How many cell phones do you come across that don't have access to the internet these days?...

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Frequent fraudulent claims have a significant effect on any type of business, large or small. A worker who falsely claims a disability or injury will impact the productivity of a company. The absence of the worker...

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In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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Many landlords and leasing companies are now requiring proof of the tenant's insurance coverage in order to move in. If you or your college student signs a lease, your student will need a renters policy. In addition to...

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As we age, we plan for retirement and should strongly consider the potential need for long term care for ourselves and our spouse. The cost for care is high and ever increasing. So you have two choices, purchase the...

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We recently had to navigate the state's workers' compensation placement facility. While this is not a normal avenue to pursue workers compensation coverage, sometimes it is necessary for risks that do not have an option....

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Do you have youthful drivers on your insurance policy? Finding the right car can be hard, especially when it comes to teen drivers. Balancing a combination of price, safety, and efficiency can make quite a challenge for...

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"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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Summer is here! It is time to uncover those classic cars and get them on the road. Insuring a classic car is a bit different from a regular car. If you own a classic car or are looking to buy one, Ieuter Insurance Group...

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A fire pit could make your backyard a popular hang-out. Outdoor fire pits are the top design feature in outdoor living spaces. Few things are more fun than an evening with friends and family around a fire pit. Before...

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Is all of your contact information up to date on your insurance policies? For many people, this isn't something that immediately comes to mind when calling their insurance agency. It is common now to eliminate telephone...

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If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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There is always that question of who is liable if a child is in an at fault accident in a vehicle, and what do I do to protect myself and my assets. Let's use an example. My 16 year old son drove my car and ran a stop...

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Cleaning moss off of your roof not only improves the appearance, but also increases the life span of your roof. Moss will often grow so vigorously that it causes the shingles or shakes to become loosened and raised....

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10 Most Common Marine Law Violations: 1. All watercraft must be equipped with a Coast Guard approved personal floatation device (PFD) of appropriate size for each passenger 2. Vessels are required to operate at a slow,...

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With summer upon us, we all need to make sure we are aware of motorcycle safety. Following are some good tips to follow: Keep a gap between you and cars - When riding or even driving, it is imperative to keep a safe...

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One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Ieuter Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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If you polled financial planners, insurance agents, CPAs, and attorneys they would tell you, hands down, that buying a personal umbrella is the best form of protection money can buy. Umbrella policies provide a minimum...

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From Auto-Owners Insurance (1) The automobile policy requires there to be damage to more than just a tire in order for coverage to be triggered. So, we cannot just replace a tire. If there is damage to the rim or...

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Is your home vacant? Are you trying to sell your old home, but not having any luck? Did someone pass away and you are working with estate issues, but the home is vacant? Please don't think you can slip it by the...

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With Spring here (almost right?), and summer around the corner please remember to put coverage back on any vehicles, motorcycles, boats, or travel trailers that you placed in storage during our wonderful winter. When...

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While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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1) Focus on prevention. Long before you're in a flooding situation, look around your property for ways to divert rain water away from your home. Important considerations are extending rain gutter down spouts away from...

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As many of you know, advertising often promotes items and guarantees that cannot be delivered (like the intentional misleading title above that led you here). Many of the current insurance ads say they can give you...

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As the snow finally starts to fade away we get the challenge of navigating the large number of potholes on both our local and state roads. So what happens if your car falls victim? Does your insurance cover the damage?...

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Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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The main reason you should keep your roof as snow free as possible is that it's crucial for preventing ice dams from forming on your roof. If you're able to prevent ice dams you are less likely to have damage to your...

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As we continue on with this very long and very cold winter, take a moment to make sure you have an emergency kit in your vehicle in case you are forced to spend an extended period of time in your car. Nobody expects to...

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Before I joined the insurance industry, there wasn't a word that made my eyes glaze over more than "insurance." The world of insurance was nebulous to me, reserved for adults only, and something adults would prefer not...

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Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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In response to all the snow and icy weather conditions we have been seeing, we would like to share a few helpful tips that you might benefit from. If snow or icy conditions cause damage to your home or car, please...

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Target Corporation has been in the news lately as the most visible victim of cyber liability. Some 70 million customers debit and credit card information was compromised according to Business Insurance.com. Customer's...

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I have a small claim, what should I do? Even though it might be covered, you might want to think twice about turning it in, as insurance companies are surcharging policies with claims. Don't hesitate to give us a call...

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Winter driving is very tricky and you need to be safe at all times. It's important that when you leave, either heading to work, school, going out shopping or dinner, to make sure that your headlights, tail lights and...

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Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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As we finish purchasing the last gift items on our Christmas lists you may want to review your insurance coverage. Are you purchasing an ipad for your teenager or a diamond necklace for your wife? If so, you may want to...

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Ieuter Insurance Group has many specialized insurance programs geared towards outdoor and recreation businesses. Do you run or own a hunt club or shooting range? What about a hunting/fishing lodge, or do you provide...

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If you are hurt in an automobile accident, this part of your no-fault policy will pay all reasonably necessary medical expenses with no maximum limit. It will also pay, up to a maximum amount, for the wages you would...

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The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of Michigan. If you are gearing up to travel and...

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Winter weather often prompts people to start preparation for the upcoming holiday season, but consumers should also be preparing their homes for the cold months. It's recommended having a licensed professional inspect...

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With the holiday season approaching, an increasingly popular method to prepare turkey is to deep-fry the entire bird. Please heed the following safety tips to help minimize injury to you or damage to your property....

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Don't get stranded in cold weather unprepared. Safety check your vehicle for the following items: Battery - fluids - belts, tires for proper tread and tire pressure. Have a survival kit in your trunk which should...

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Winter brings snow-packed roofs and damaging ice dams. If your attic is not properly insulated, heat from the attic will melt snow on the roof and the melted water can pool up and leak into the house. Also once the...

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Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Michigan. Football brings with it a whole host of seasonal activities...

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Long-term care (LTC) insurance is important coverage that provides a valuable financial resource. It helps cover the cost of long-term care you might need in the event of an illness, accident, or through the normal...

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When you go to a friend for advice, they don't send you to an 800 number, and we don't either. Whether you call it a motto, a slogan, or catchphrase, "your friends in the insurance business" is something that we believe...

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It is that time of year that the deer like to roam. Be very aware of them coming from the side of the road, crossing the road, or dashing out from nowhere. They move more during the dawn and dusk hours which makes it...

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Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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Winterizing your boat is vital to protecting the value of your boat and its condition. Most insurance companies won't cover damage due to freezing or neglect. As boat owners know, a cracked hull or engine is very...

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A personal lines umbrella policy is an insurance policy with high liability limits designed to provide protection over other insurance policies like a homeowners or personal auto. Who needs an umbrella policy? Anyone...

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A recent survey by New York Life that was highlighted in USA Today shows that Americans are underinsured when it comes to Life Insurance, and they know it. Generation X, those born between '65 and '76, report that they...

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The end of summer in Michigan means many things, such as cooler weather, shorter days and ... the start of football! But most important, it means kids are headed back to school. And that means we all should be extra...

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If your child is leaving to college with a new laptop or other expensive gadgets, it's time to make sure their property is safe in case of fire or theft. If your child is living on campus, your homeowners policy will...

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Many of us do home improvements during the summer months. You should consider contacting our agency when you've completed a project. These improvements most often add value, and the amount of insurance you carry on your...

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You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn't cover flood damage. At Ieuter Insurance we want you to be...

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Whether you purchase health insurance on your own, get it through your employer, or are covered by a government program such as Medicaid or Medicare, everyone should have insurance. Beginning in January 2014, everyone...

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If your business is one that sells, serves, manufactures, or oversees the sales of alcohol, then your business needs a commercial liquor liability policy. What this type of insurance does, is it protects your business...

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For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories - whether at home or away But for some families, the holiday is a nightmare. Each year, homes in...

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This is a great question and one that has become more common in the last 3 years. Insurance companies completely changed the way they rate policies over the last decade. They use a complex formula that they refer to as "...

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Summer is finally here and that means it's time to get out and enjoy the weather. Gas prices may be on the rise, but don't let that stop your fun in the sun. Here are a few tips to help increase your gas mileage. 1:...

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Due to the rising cost of insurance, consumers are constantly looking for ways to keep their premiums to a minimum. Many insurance companies offer discounts that people may not be aware of. For auto insurance, if your...

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There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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This past weekend marked the kick off of grilling season! How I have missed the smell of grilled food lingering in the warm air. Before getting carried away thinking you are the next grill master remember these five...

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We use insurance to protect a variety of assets, from cars to homes to jewelry. But many people forget to insure their most important asset - the ability to work and earn a living. It probably doesn't show up on your...

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As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Ieuter Insurance, we thought it would be fun to give you a little...

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This has been a hot button for me as of late. It seems to be the new storm that is evolving in the insurance coverage concern arena. It not only revolves around unauthorized access to "personally identifiable...

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Medical payments on a motorcycle is very important to have. It will cover you for any injury sustained in a motorcycle accident caused by either a motor vehicle or hitting of a deer. But, please be advised if in an...

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Spring is a time of new beginnings in Michigan - and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Ieuter Insurance, some of these tasks...

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Business income expense coverage is essential to any business as it protects the business' income flow and assists in paying bills if, unfortunately, you are hit with a major loss such as a fire. The purpose is to...

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Are you on a non-profit board? Don't just assume that there is directors and officers coverage. Ask the question. When you volunteer to service on a board, your personal assets could be at stake. So make sure they have...

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Modified or altered vehicles, and motorcycles (including home built motorcycles, and ATV's) can be difficult to insure, and you need to make sure they are being listed properly on your policy. These vehicles include but...

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Almost all insurance policies will cover the four walls of a traditional church and provide liability protection from "slip and fall" accidents. However, beyond that, what factors should be considered to provide...

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There are many factors and discounts that influence auto insurance rates. Your garaging zip code, age, type of vehicle you insure, claims history and driving records of the individuals that live in your household all...

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Daylight Saving Time begins Sunday, March 10, 2013, for most places in the United States, so don't forget to set your clock forward one hour. We here at Ieuter Insurance want to remind you it's also a great time to...

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Term life insurance coverage is best suited for those needing to cover a specific amount of liability for a specific period of time, (to cover a mortgage, car loan, student loan, etc) or those needing a lot of coverage...

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Employment Practices Liability (EPLI) is a growing product in the insurance market. EPLI coverage grew out of the increased risk of claims and litigation related to employment practices. EPLI deals with wrongful...

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It goes without saying that keeping yourself and your family healthy through the winter months in Michigan can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around colds...

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Flood Insurance-- Definition: The flooding of two properties in the area or two or more acres. Flooding can be caused by: 1) overflow of any body of water 2) the unusual and rapid accumulation or runoff of surface...

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Year after year, studies show that Americans give more and more to charity. We care about our communities and our fellow citizens, and we express that conviction with our donation dollars. As you look at your legacy and...

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Water damage to your ceilings and walls from leaks caused by ice dams can be devastating. You can avoid or reduce your risk by taking some basic steps. ICE DAMS An ice dam is a build-up of ice at the lower edge of a...

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A standard homeowners insurance policy does not cover flood damage, which is a common misconception made by policyholders. In order to be covered for flood damage you must have a separate flood insurance policy. A flood...

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If you're a snowbird and you're headed away from the cold this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Ieuter Insurance wish you a safe journey - and that we'...

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You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Ieuter Insurance, we'd like to change that a little bit: "Happy - and Safe - Holidays!" While the holidays certainly...

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Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in Midland...

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During the last two years, the number of employers offering health savings accounts (HSA's) paired with high-deductible health plans has increased significantly. This is an affirmation that employers are actively...

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It's a night full of treats for both kids and adults in Midland. But a number of factors - including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door - mean that...

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Many companies offer an annual discount for a new roof replacement. Documentation must be provided to the company to receive a discount, such as a letter of replacement from a licensed contractor or a paid receipt from...

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It's an exciting time when your child heads off to college. Whether they're attending school in Michigan or have moved all the way across the country, there were a ton of things to get done last month, but did you...

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There's nothing quite like taking a road trip in an RV. Whether you're headed to somewhere nearby or somewhere farther away this summer, Ieuter Insurance Group wants you to get the most out of your travels. General...

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Whether you're planning a trip to a local attraction in Michigan this summer, or headed all the way across the country, you want your vacation to be relaxing. It's a getaway from work, not to mention your day-to-day...

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Why should I have a home inventory? - Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people in Michigan, you may own much more...

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When purchasing a trailer in Michigan or elsewhere, stay within recommended capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the craft....

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You don't have to be directly hit by a tornado in Michigan to experience damage. Taking some time to prepare could save you thousands of dollars and hours of clean-up. Know What Your Insurance Covers and How Much You...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues here in Michigan, and they're not only annoying - they also cost you money in decreased energy efficiency and higher utility bills. Would you like...

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