Ieuter Insurance Group Blog

Michigan PIP – What is it and what does it cover? PIP stands for Personal Injury Protection. It is the portion of your Auto Insurance policy that pays for allowable medical expenses if you are injured in an Auto...

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Buying your first home is an exciting milestone, but it also comes with a learning curve, especially when it comes to homeowners insurance. With so many options and coverages to consider, it’s important to understand...

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Your Friends In The Insurance Business at Midland Michigan's Ieuter Insurance Group are honoring Flag Day, which is Saturday, June 14, by distributing free American flags at our office in downtown Midland. This is the...

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When was the last time you reviewed your insurance coverage? Reviewing your insurance coverage with your agent is important for several reasons: 1. Ensure Adequate Coverage: Your life circumstances may change over time (...

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- Your Friends In The Insurance Business at Ieuter Insurance Group are proud to be commemorating our ninth consecutive year earning Auto-Owners Insurance's Sapphire Award, which celebrates the top three agencies for...

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Your Friends in the Insurance Business recently partnered with Dial Tent in Saginaw to create this awesome 20x30 tent so you can celebrate rain or shine! Call us today to find out how your family, organization or...

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Buying life insurance on children might seem odd at first-after all, they usually don't have income or dependents. But there are a few practical and emotional reasons some parents or guardians choose to do it. Here's a...

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Summer is quickly approaching and many people use the warmer, drier weather to re-stain their decks. Did you know that improperly disposing of rags used to stain wood is one of the most common causes of house fires?...

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Ieuter Insurance Group has been named one of Michigan Millers Preferred Partner Agencies for 2025. Michigan Millers Preferred Partner Agencies represent the top 15% of Michigan Millers’ agency partners in terms of...

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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 15 from 2:30 - 5:30 pm at the mobile blood donation center in our parking lot....

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In the March 2025 Ieuter Insurance Group Newsletter, we highlight the accolades and accomplishments of our incredible team, spotlight an amazing Midland nonprofit (Phoenix Community Farm), and share insurance insights...

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Traditional sources of flooding, like coastal water and riverine flooding caused by weather events, remain year-round risks to homeowners all over the country. If you don’t know whether you need flood insurance, talk to...

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There are several different options to take advantage of to lower the cost of your home insurance. Reach out to our award-winning team of insurance professionals to discuss possible options for lowering your premiums. 1....

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There has been a large surge in theft in the last five years, with car break-ins in particular increasing steadily. Here are a few tips that can help you protect your property and minimize exposure. -Make sure to always...

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The holidays are a great time to reassess whether you have any new big ticket items to add to your insurance policy.Jewelry is automatically covered under personal property but usually only up to a specified dollar...

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Gap insurance pays the difference in a total loss on your vehicle between what is owed and the car’s current value. Unfortunately, most times when you drive a car off the lot, it depreciates immediately. Most vehicles...

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Shopping for health insurance can be overwhelming. Here’s some information to help you better understand Individual Health Insurance. You can enroll into an individual health plan during open enrollment each year...

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Did you know wood stoves cause more than 4,000 house fires every year according to the United States Fire Administration? Even a small fire can hurt people and pets and destroy homes and cherished personal belongings....

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Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other...

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Key man life insurance, also known as key person life insurance or key employee life insurance, is a type of life insurance policy that a business purchases to protect itself from the financial loss that may occur if a...

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Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

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Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer...

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A Personal Umbrella policy is a liability policy that offers protection over and above your Auto and Homeowner insurance policies. It protects you in instances that result in injury or property damage to someone else...

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We all love a good event -- an office holiday party, our favorite non-profit fundraising event, a backyard bash on the Fourth of July, or our Best Friend’s magical wedding. It is important to ensure that these nights...

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Your Friends In The Insurance Business at Midland Michigan's Ieuter Insurance group are honoring Flag Day, which is Friday, June 14, by distributing free American flags. This is the ninth consecutive year that we've...

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Most people don’t know the difference between Actual Cash Value vs. Replacement Cost. So what is the difference?Actual Cash Value Home Insurance - Actual Cash Value (ACV) will replace your damaged or stolen items, minus...

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Many organizations have a board of directors and a staff of officers. Directors may be owners, employees, or someone outside of the organization serving in an advisory capacity. Officers are typically selected by the...

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Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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Many people wouldn’t think you’d need life insurance for a stay-at-home parent because they don’t generate any outside income. Income isn't the only factor to consider, however. A stay-at-home parent is responsible for...

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Are you planning on heading out on the open water this summer? Here are some tips to keep in mind: Before you go: Take a boating safety course, have young swimmers take swimming lessons, have your boat checked for...

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Hastings Mutual Insurance Company, an award-winning regional property casualty insurer serving six Midwest states, recently congratulated Ieuter Insurance Group on earning membership into The 1885 Club for 2024. Of the...

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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...

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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...

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

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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...

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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...

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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...

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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...

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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....

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Cracked windshields can happen anytime, anywhere. There are many scenarios where you may discover a chip or crack in your windshield. One of the most common incidents that our insureds have is they are driving behind or...

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

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

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

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

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

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

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

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

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

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

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

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

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

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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...

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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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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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