Ieuter Insurance Group Blog

All You Ever Wanted to Know About Insurance

6 Tips for Getting to Work on Two Wheels

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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What is an Umbrella Policy and Why Should I Have One?

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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Do You Work for Shipt? What You Need to Know!

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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Essential Safety Tips for Nighttime Boating

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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What State Should My Auto Insurance Be In?

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 Coverage?

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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Essential Health Benefits: What You Need to Know!

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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Commonly Found Home Inspection Items

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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Should I Turn Left or Right?

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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Motorcycle Driving Tips

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 Driving Tips

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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Motorcycle Season is Here!

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...

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Protecting Your Home: Understanding Your Home Insurance Policy

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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Young Drivers: What You Need to Know

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...

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Do You Have 15 Minutes? Let's Talk Agents

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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5 Spring Cleaning Tips to Keep your Insurance Up to Date

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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Do I Need to Tell My Insurance Company If My Dog Bites Someone?

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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Warm Thoughts for Boating Season

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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Michigan Catastrophic Claims Association (MCCA) Assessment Increase

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 Car? Call Us!

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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Electronic Proof of Insurance

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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Protect yourself from Carbon Monoxide at Home and at Work

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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Truckers: Off Duty Drive & Personal Use

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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Travel Insurance: don't include risk with your plans!

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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What Is an Insurance Audit?

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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Long Term Care Insurance: Do You Need It?

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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Insuring Jewelry: How to Know if Your Coverage is Enough

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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Company Car? Things to Know About Commercial Auto Coverage

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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Lakeside Living Coverage

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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Tips for Buying a Safe Car

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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Why Today’s Homes Burn Faster

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

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Read Your Car For Winter!

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

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How to Lower Your Auto Insurance Bill

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

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

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

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Do You Need Umbrella Insurance?

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

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Singing in the Rain: Do You Have an Umbrella?

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

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Are You in the Cloud? A Guide to Online Storage

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

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Fall is Coming! Is Your Home Prepared?

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

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Three Ways a Pool May Affect Your Homeowners Insurance

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

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Why Is My Auto Insurance so High?

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

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Easy to Forget Cleaning Projects

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

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Heavy Rain? Be on the Lookout for Heavy Damage

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

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Want a Safer Home? Consider these Inexpensive Fixes

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

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Flood Coverage? - Let's Break it Down

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

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Have you considered “Going Green”?

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

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It's Important to Know Your Health Insurance

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

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

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

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Motorcycle Safety Tips

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

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Furry Friends? We've Got You Covered!

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

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Road Trouble? At Your Service!

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

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Blinded By the Light! Safety Tips Against Glare

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

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Summer Fun!

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

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Is Group Life Insurance a Good Deal?

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

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Help Your Dog Love Apartment Living

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

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School House Rock: IIG Edition

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

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Do You Have Enough Water Backup Coverage?

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

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Love Bites – Get Umbrella Coverage

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

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What is a Qualifying Event for Health Insurance?

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

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Potholes: What It Means for Coverage

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

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Lakeside Living: Are You Covered?

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

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Minor Spring Cleanup Helps Prevent Major Problems!

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

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Teen Driving Safety

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

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Worried About Water Backup? You Should Be!

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

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What is a Certificate of Insurance?

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

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Got Toys?

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

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What is Employment Related Practices Coverage?

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

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Ladder Safety: Reduce Your Exposure on Workers' Comp!

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

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Car Shopping With Safety in Mind

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

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Why Do Rates Increase After a Home Claim?

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

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Airbnb: Are you Covered?

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

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7 Driving Habits That Are Bad for Your Car

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

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What Is A Surety Bond?

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

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Burglary Prevention: Should You Leave the Lights On?

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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Ice Dams: Prevent Before the Problem!

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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Which Home Alarms Do You Need?

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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Winter is Coming! Safe Driving Tips from Auto Owners

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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Car Accidents! What You Should Know

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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Business Income Coverage

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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Your Wedding: What Could Go Wrong?

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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Safe Driving Tips for Fall

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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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

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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Deer On the Move

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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Winterize Your RV The Right Way

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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Cargo Loss: Don't Be A Victim!

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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How to Deal With Road Rage

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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Back to School Safety Tips

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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Top Tips for First Time Car Buyers

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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Safety Tips for Your Summer Swims

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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4 Tips to Avoid Distracted Driving

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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Emergency Road Kit

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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Telemedicine: Healthcare on Demand

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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Golf Carts: What You Need to Know

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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Safety Tips for Summer Thrill Seekers

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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How to Save 3 Lives in 1 Hour

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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Insurance 101: Do You Know Your Limits?

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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Grilling Safety

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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What Should Go in Your Home Safe (or Safe-Deposit Box)?

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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Ieuter Insurance Group vs. Insurance Company

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 Safety for Kids

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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Roof Claim? Here's How It Works

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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Life Insurance 101

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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The Type of Fire Extinguisher Every Home Should Have

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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Business Owners, Are You Covered?

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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PIP, PIP, Hooray?

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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What Every Driver Needs to Know About Potholes

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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Navigate Rainy Roadways With Care

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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Save Money, Save a Tree!

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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Motorcycle Safety Tips

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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Vehicle Checklist Before You Hit the Road!

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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Identity Protection Tips for Tax Season

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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Spring is in the Air!

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...

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New Car Outside of Business Hours? No Worries!

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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Spring Cleaning For Your Home

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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Love is in the Air! Now to Insure it...

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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What to Do After a Car Accident in Winter

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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Winter Weather: Be Safe on the Roads!

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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Collision Coverage: What's the Difference?

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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How to Avoid Animal-Vehicle Collisions

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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Chimney Safety: Warning Signs

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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Cold Stress: Keeping Workers Safe in Low Temperature Environments

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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Winter Driving Tips

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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Protect Yourself with Cyber Liability Insurance!

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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Holiday Safety Tips

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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Health Insurance: 'Tis the Season!

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...

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Thrifty Security: Burglar-Proof Your Home for the Holidays

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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Deep-Fryer Turkey Safety Tips

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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Tips for the Holiday Season

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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Safe, Secure Shopping: Tips for Black Friday

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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Life Insurance and Your Kids

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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New Home Discount Available from Auto Owners!

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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Your Home Maintenance Checklist for Fall

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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Protecting Our Children's Future Made Easy!

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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4 Ways to Help All Children Have a Great School Year

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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Rental Coverage for College Students

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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Keep Cool While Keeping Your Energy Costs Down

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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Actual Cost Value vs. Replacement Cost

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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Employee Theft - It Can Happen to You!

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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What is an Insurance Audit and Why Do I Need to Do It?

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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Earthquake Insurance in Michigan?

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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Boating Safety

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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Good Student Discount

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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Tips for a Safe Fourth of July — From Food to Fireworks

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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Skin Cancer Prevention

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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Commuting by Bike: How to Get to the Office on Two Wheels

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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Potholes: Who's At Fault?

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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Pool Safety: Stay Safe This Summer!

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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Personal Umbrella Policy: What is it and do I need one?

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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Motorcycles: What You Need to Know!

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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Getting Your Boat Out of Storage and Into the Water

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...

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Boater's Safety Requirements - Make Sure You're Prepared!

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 Into Home Maintenance Mode in Michigan

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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Cyber Liability Coverage

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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Vehicle Titles: What You Need to Know!

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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How Do Traffic Violations Impact My Auto Insurance?

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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Spring Maintenance: 10 Tips For Your Home

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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'Tis the Season for Rec Vehicles!

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...

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How to Create Your First Garden This Spring

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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Helping Seniors Have a Wonderful Winter

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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Do I Need Long Term Care Insurance?

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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Owning a Business: Insurance 101

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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The Right Tires for Winter Driving

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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Having a Super Bowl Party? Know Your Risk!

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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Auto Technology vs. Driving Conditions

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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Health Insurance 101: FAQs for 2015

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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Winter Safety Tips for Business Owners

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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Holiday Safety Tips for Your Four-Legged Friends

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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Make Home Safety a Priority While You’re Away for the Holidays

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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Electrical Safety Tips

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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Top 10 Car Winterizing Tips

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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Gutter Maintenance

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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Christmas Tree Safety Tips

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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You're DEAD!

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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Mind the Gap

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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Recreational Vehicles: How to Make Sure You Have Coverage

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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Rental Car Coverage, Do You Have It?

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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Disability Insurance: Are You Prepared?

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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Coverage for Certain Types of Personal Property

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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Essential Safety Tips for Nighttime Boating

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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Car Storage Insurance Tips

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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Ridesharing: What You Need to Know!

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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What Can Umbrella Insurance Do For You?

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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Snowbird Safety Tips

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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Michigan No-Fault Insurance: What is PIP?

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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5 Tips for Organizing Your Home for the New School Year

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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Personal Injury Arising From Social Media

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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Workers Comp Claims: Tips to Avoid Fraud

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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Celebrate National Night Out With Your Neighbors

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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Renters Insurance For Your Student

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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A Look At Long Term Care Insurance

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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Misclassification of Employees with Regard to Workers' Compensation

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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How to Choose a Vehicle for Youthful Drivers

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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Make Recycling and Reducing Routine

"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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Classic Car Coverage

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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Fire Pit Safety

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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Updating Insurance Contact Information a Necessity

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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Protect Your Most Cherished Possessions

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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My 16 Year Old Son Crashed My Car- Now What?

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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Prolong the Lifespan of Your Roof

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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Get Ready for the Boating Season

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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Motorcycle Safety Tips

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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Keep Water from Going Where it Shouldn't

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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What Insurance Policy Gives You the Biggest Bang For the Buck?

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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'Tis the Season for Potholes

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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Vacant Home Coverage

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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Bring Out Your Summer Toys!

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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A Little Extra Caution Can Go a Long Way While Driving at Night

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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Tips on Keeping Your Basement Dry

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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This is Unbelievable!

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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Plethora of Potholes

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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Home Security Tips

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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Snow Removal

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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Winter Car Safety Kit

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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Confessions of an Insurance Guy

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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Five Sure-Fire Ways to Get Your Car Stolen

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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Home Safety Tips

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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Cyber Liability Insurance

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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What Do I Do with Small Claims?

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

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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Protect Your Family From the "Silent Killer"

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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Do I Need to Insure Christmas Gifts?

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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Outdoor Insurance

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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Personal Injury Protection (PIP)

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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Make Sure Your Pets Travel Well for the Holidays

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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Tips for Preparing Your Home for Winter

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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How to Safely Deep-Fry a Turkey

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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Winter is Coming

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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Prevent Winter Home Claims

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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Make Football Season Fun and Safe

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 Insurance

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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Your Friends in the Insurance Business

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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Deer on the Move

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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A Different Season Means Different Dangers For Motorcyclists

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

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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Who Needs a Personal Umbrella Policy?

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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Life Insurance Gap in Gen X

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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Back to School Safety Reminders

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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Did Your Child Leave for College?

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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Home Improvements

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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Flood Insurance - What You Should Know

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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Individual Health Insurance

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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Liquor Liability Insurance

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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When Things go BOOM in the Night - Fireworks Safety

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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The Accident Wasn't My Fault, so Why Are My Rates Going Up?

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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Increase Your Gas Mileage

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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Insurance Company Discounts

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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Do You Own a Classic Car of the Future?

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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It's That Time of Year Again...Pull Out Those Grills!

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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Disability Insurance- Protect Your Most Important Asset

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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A Time to Celebrate Mothers

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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Cyber Liability Insurance

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

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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It's Time for Spring Cleaning!

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

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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Non-Profit Insurance

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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Insuring Modified or Altered Vehicles

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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What Factors to Consider When Insuring my Church

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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Many Factors Affect Your Auto Insurance Rate

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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Get Ready to Safely 'Spring Forward'

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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Which Type of Life Insurance is Best for Me?

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 Insurance (EPLI)

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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Be the Pinnacle of Health & Wellness This Winter

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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Myths and Facts About Flood Insurance

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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Use Life Insurance to Leave a Legacy

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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Reducing Winter Weather Risk

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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Flood Insurance Policies

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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Protect Your Motorhome and RV From the Cold

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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Make Sure Your Holidays Stay Happy … and Safe

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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Tips for Preparing for Your Holiday Driving Trip

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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The Rise of Health Savings Accounts

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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Halloween Safety: Be Ready When the Little Goblins Come Out

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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Thinking About That New Roof?

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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When the Kids Head for College, Put “Insurance 101" on Your Class List

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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Get the Most Out of Your RV This Summer

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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Make Your Vacation a Great One

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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A Home Inventory Will Help You Know What You Own

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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Safety Tips for Your Boat Trailer

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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Tornadoes Happen Every Year - Are You Prepared?

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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Is Your Home Energy Efficient?

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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November 2010 Business Newsletter

Download our November 2010 Business Newsletter

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November 2010 Newsletter

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April 2010 Newsletter

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January 2010 Newsletter

Download our January 2010 Newsletter

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