Skip to content

Ieuter Insurance Group Blog

All You Ever Wanted to Know About Insurance

Articles Related To…

Donate blood and make a difference with us on April 10

Your Friends In The Insurance Business at Ieuter Insurance Group hope you'll join us in making a difference at our next blood drive, April 10 from 2 - 5 pm at the mobile blood donation center in our parking lot. Giving...

Read More


The essential guide to creating a home inventory: Why and How

In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

Read More


March 2024 Ieuter Insurance Group Newsletter

Read our March 2024 newsletter here: newsletter-march-2024.pdf

Read More


Paperless billing saves money and time for Ieuter Insurance Group customers who choose Auto-Owners Insurance as their carrier

Want to have your bills and policy documents emailed to you to cut down on your mail? Have to update where your payments are being pulled from? Need to check on your coverages? For our customers who have Auto-Owners...

Read More


I own an LLC – Do I need a workers compensation policy?

A Workers Compensation policy covers the medical care for workplace injuries and illnesses. It also provides lost wages for employees who are injured on the job. If your LLC has even just one employee, you are required...

Read More


My basement is finished – What coverage do I need?

Having a finished basement comes with it’s share of concerns on whether you’re protected from unforeseen circumstances. We highly recommend Water Backup, also referred to as Sewer Backup, coverage. What does Water...

Read More


How to use Ieuter 24/7

Have you heard of the Ieuter 24/7 feature? It is a website and most importantly an app that can be downloaded on your mobile device. The app allows you to access your proof of insurance and your policy documents, and...

Read More


How to choose the right contractor for home improvement projects and avoid liability claims

If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

Read More


I am a sole proprietor ... Do I need workers compensation insurance coverage?

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...

Read More


What is Medicare Supplement Insurance (Medigap), and is it right for me?

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...

Read More


Top Home Improvement Projects That Can Increase Your Home Value

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...

Read More


Driving safely in the winter

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...

Read More


Christmas tree safety tips

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...

Read More


How to prevent frozen pipes

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...

Read More


Stay safe from fire hazards this holiday season

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...

Read More


Portable generator safety tips

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...

Read More


Is it safe to deep fry your Thanksgiving turkey?

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...

Read More


Preparing your auto and your home for winter travel

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...

Read More


Tips for driving safely at nighttime

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...

Read More


Hired and non-owned auto coverage

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...

Read More


Have a safe Halloween with these tips from Ieuter Insurance and PIA!

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...

Read More


As open enrollment periods approach, consider the benefits of an HSA

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...

Read More


What is cyber insurance, and why might I need it?

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...

Read More


Umbrella coverage benefits are wide ranging

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...

Read More


If you get in an auto accident, what should you do?

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...

Read More


Installation floater coverage for building contractors' commercial insurance policies

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...

Read More


What is an annuity and how can it benefit me?

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...

Read More


Standard vs Broad Form Auto Insurance Coverage in Michigan

Imagine the following scenario: Stella was traveling east down the street. Another vehicle was travelling north and ran the stop sign. Stella’s car was hit. The police were contacted and the other driver was cited for...

Read More


Short-Term and Long-Term Disability Insurance. Is it worth it?

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...

Read More


Are your Volunteers Covered?

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...

Read More


Do you have a child heading to college this fall? Talk to your agent about coverage changes

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...

Read More


Defensive Driving Techniques to Avoid Accidents and Insurance Claims

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...

Read More


What to Look for When Buying a House to Avoid Unnecessary Insurance Claims

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...

Read More


Ieuter Insurance Group's Steve Scott's Wish-A-Mile Ride

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...

Read More


Beat the heat with a free Bay City Boat Lines tour compliments of Ieuter Insurance Group and Auto-Owners Insurance

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...

Read More


New Michigan Distracted Driving Law Goes into Effect June 30

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...

Read More


4 Water-Saving Tips for Your Garden

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...

Read More


State of Michigan charging new Personal Injury Protection (PIP) fee for all vehicles beginning July 1

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...

Read More


Boating Safety Tips

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...

Read More


Boating Season is Here – Are You Up to Speed on Safety?

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,...

Read More


Donate Blood With Your Friends In The Insurance Business on May 23!

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...

Read More


Is Pet Insurance right for you?

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...

Read More


Smoke detector installation day is Saturday, May 6!

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...

Read More


Ieuter Insurance Group earns Leaders' Level Award of Distinction from Michigan Insurance Company

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...

Read More


Congratulations Kurt and Dawn for earning the President's Club Award from Auto-Owners Insurance once again!

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-...

Read More


Don't neglect life insurance for the stay-at-home parent in your household

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...

Read More


Why choosing an Independent Insurance Agent matters so much

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...

Read More


Avoiding slip and fall accidents in the workplace

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...

Read More


Do You Need a Friend in the Insurance Business?

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...

Read More


When you spring forward this weekend, be sure to replace your smoke detector batteries, too!

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...

Read More


Do you need disability coverage?

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...

Read More


Professional Liability Insurance: What Is It and Who Needs It?

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...

Read More


Ieuter 24/7 app

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...

Read More


Who Needs Life Insurance and How Much Do You Need?

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....

Read More


Join Your Friends In The Insurance Business Jan. 19 to Give Blood and Save Lives for National Blood Donor Month!

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...

Read More


As you wrap up your holiday shopping, don't forget to insure your large purchases, and swing by Ieuter for a free sweatshirt!

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...

Read More


Preparing for winter travel

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...

Read More


What to Check Before Buying a Used Car

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...

Read More


Practice caution when considering deep frying your Thanksgiving turkey

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...

Read More


Did you know modern homes aren't as fire-resistant as those of yesteryear?

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...

Read More


There's a deer in your headlights ... how do you respond?

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...

Read More


Safety Around Fireplaces

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...

Read More


Who Needs Cybersecurity Insurance?

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....

Read More


How to Choose the Right Smart Security Camera

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...

Read More


Give Blood and Save Lives With Your Friends In The Insurance Business on Sept. 13!

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...

Read More


Enjoy free ORV weekend safely with these ATV safety tips

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...

Read More


Grill Safely With These Outdoor Cooking Tips

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...

Read More


Post-storm safety and cleanup

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...

Read More


Ride=sharing services present risks for drivers

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...

Read More


Simple Household Pest Control Methods

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...

Read More


Medicare fraud: How to recognize it and prevent it?

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...

Read More


Issues and Insurance Coverage to Consider Before Renting Out Your Home

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...

Read More


Celebrate the holiday safely with these Firework Safety tips


Summer heat & fire risks

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....

Read More


How to Make Your Family Vacation a Great One

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...

Read More


Avoiding Water Issues in Your Home

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...

Read More


What Car Drivers Need to Know about Motorcycles

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...

Read More


What to Consider When Choosing Auto Insurance

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...

Read More


Why You Need Service Line Coverage

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...

Read More


Should I Buy Rental Car Insurance?

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...

Read More


Does my Blue Cross Blue Shield coverage include at-home Covid-19 tests?

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...

Read More


Michigan Auto Insurance Refund Frequently Asked Questions Answered

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...

Read More


How to Protect Your Classic Car

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,...

Read More


What is water backup coverage and why is it important?

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...

Read More


Do you need insurance for your E-bike

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...

Read More


How Independent Agents Are Different from Captive Agents

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...

Read More


10 Things to do to Prepare Your Home for Fall

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...

Read More


Pet Insurance

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...

Read More


Five Tips to (Finally) Get your Garage Organized

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...

Read More


Looking at a new piece of jewelry? Make sure to look at your insurance, too

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...

Read More


Swimming Safety: 10 Tips for Summer

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...

Read More


How Many Homes in the US are Underinsured

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...

Read More


Car Shopping and Insurance Quotes

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...

Read More


Term Life Insurance versus Permanent Life Insurance - Pros and Cons

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...

Read More