Flushing’s Future Drivers: Auto Insurance for the Next Generation

When Flushing, MI residents are in need of valuable tips and pointers, they contact Bachmann Insurance Agency. Our team of experienced insurance agents is able to take all of the guesswork out of finding the best auto insurance policy. This is especially crucial for parents who are looking to ensure their teenage drivers. Thanks to this guide, you are able to find the best policy for your future driver far more easily than ever before.

Consider Bundling Policies

By choosing the same carrier for all of your policies, you are able to avoid many of the usual difficulties and obtain the best possible policy for your young driver. The average teenager is not going to be able to get a policy on their own, and that’s where parental research comes into play. A Flushing, MI homeowner may even be able to bundle their residential policy with their auto insurance policy to make life even easier for themselves.

Change Coverage As They Age

Let’s say that a parent has decided to obtain coverage for their teenagers while they are in high school. This is a great place to start, and coverage should be changed as the child grows older. This is a crucial step to take for parents whose children will not be driving regularly while they are at college. If the child is only driving on school breaks, the policy should be tweaked accordingly.

Carefully Consider The Vehicle Choice

This should go without saying, but the car that you choose for your young driver should be reflective of their level of experience. Clunkers are always going to be easier to insure than the more flashy options that are available.

Flushing, MI, parents who are looking to find out more about auto insurance policies for their future motorists are more than welcome to contact Bachmann Insurance Agency. We have the experience and know-how that you need in your corner.

Steps to Buying Commercial Insurance

When you own a business, you’ll want to get commercial insurance to protect your business’ assets. Many things can jeopardize your business assets, so your best hope is to purchase a commercial insurance policy covering any damage or liability. If you live in the Flushing, MI area, we invite you to contact our team of insurance professionals at Bachmann Insurance Agency. We can explain the different commercial insurance policies available and let you find the necessary insurance.

Steps to Buying Commercial Insurance 

If you’re wondering about how to buy commercial insurance, here are some simple steps that can make it easy. Begin by considering the type of natural disaster which could damage your business. For example, if you’re in an area prone to tornadoes or earthquakes, you should consider getting enough property insurance to protect against damage from those conditions. 

Once you know the types of occurrences you need to protect your business against, you should shop around for a reputable agent. Bachman Insurance Agency has provided professional services and insurance guidance to residents in the Flushing MI, area since 2001. If you already have a commercial insurance policy, it’s essential to re-evaluate your coverage once a year. Your business and insurance needs can change, so your coverage may also need to change. 

Call Us Today to Discuss Your Insurance Needs 

Businesses need property and liability insurance, but you’ll also need to protect your employees with workers’ compensation insurance. At Bachman Insurance Agency in Flushing, MI, we can explain these insurance options in detail and help you see how they fit your company’s needs. We can answer all your questions and examine your individual needs. Call us today to discover the suitable types of insurance for your company. 

How the Replacement Value of a Home Can Affect Home Insurance

Many things affect the value of your home in Flushing, MI. The replacement value of your home represents one such thing. At the Bachmann Insurance Agency, we understand it helps you to make better financial decisions when you’re informed. Here’s what you need to know about how the replacement value of your home can affect your homeowner’s insurance.

What Replacement Value Means

The replacement value of your home indicates the estimated cost required to rebuild it after a total loss. Think of the entirety of the house as a single item, and the replacement value is simply the dollar amount necessary to replace that item with an equivalent one.

Understanding Why Replacement Value Matters in Home Insurance

The replacement value ensures your home insurance coverage adequately covers the total loss of your home in a worst-case scenario. Having coverage for your home that can cover everything up to and including a total loss makes sense. If your home insurance falls short on the replacement cost, you’ll have to fill the gap out-of-pocket, which can cost a considerable amount of money.

Determining Your Home’s Replacement Value

Replacement value can vary a great deal because it depends on several factors:

  • Size and age of the house
  • Style and features of the house
  • Your home’s location or unique regional design considerations
  • Inflation or changing costs of materials and labor

Your home’s replacement value can change over time, and you must keep that in mind.

Many online calculators and other tools can give you a rough idea to start with, but those tools aren’t the same as a professional assessment. Use them for general understanding, but always look for a reliable appraisal service.

Consult With Us

Insurance companies can also help you with a replacement cost estimate. If you want to know more about how a home insurance provider determines home replacement value in Flushing, MI, contact us at Bachmann Insurance Agency to learn more.

3 Common Types Of Health Insurance For Your Family Needs

Health insurance has become increasingly important for all Americans today.  We all need a health plan to cover our expensive medical expenses.  It’s especially important to find one that meets your family’s needs.  Our insurance professionals at Bachmann Insurance Agency serving Flushing, MI could work with you in finding a suitable plan.

3 Common Types Of Health Insurance 

State Health Plan (SHP) PPO

In the state of Michigan, this is one of the common health insurance plans you could choose from.  The State Health Plan (SHP) PPO is administered by Blue Cross Blue Shield of Michigan (BCBSM) and covers your expenses for the treatment of an illness, injury, or disease.  It provides benefits if you choose to use in-network providers.

State High Deductible Health Plan (HDHP) with Health Savings Account

Another good option for Michigan residents is the State High Deductible Health Plan (HDHP) with Health Savings Account (HSA).  This plan offers a lower biweekly premium in exchange for higher deductibles and limits to your out-of-pocket expenses.  Along with a health plan, you’re also given a health savings account (HSA) that can be used to pay for eligible health-related expenses that your insurance can’t cover.  You could also use your HSA to cover your vision and dental expenses.

Healthy Michigan Plan

This plan is great for you and your family if you need low-cost insurance.  The Healthy Michigan Plan was created for Michigan residents who don’t qualify for Medicare or Medicaid programs and meet the low-income requirements.  The benefits found in this plan are available at a low cost and work well with your family’s budget.  You must be between the ages of 19-64 to qualify.

Contact Our Office Today

If you’re a Michigan resident struggling to find the right health insurance plan that meets both your and your family’s needs, you don’t have to struggle for long.  Contact us at Bachmann Insurance Agency in Flushing, MI to schedule an appointment today.

Preparing for winter: Things you should always have in your vehicle

Winters can be rough in Michigan, and snow is usually not in short supply. Being prepared when you are out on the road is essential when the weather can be unpredictable. At Bachmann Insurance Agency in Flushing, MI, we are independent insurance agents, and we will make sure that you are prepared for winter with the right auto insurance to protect you. 

What to have in your vehicle for winter

A shovel

Having a folding shovel can come in very handy if your vehicle gets buried in the snow.  Throwing it in your trunk or the back of your vehicle can save you from being stuck. 

A blanket

If you do get stuck in your vehicle for a few minutes or even a few hours, it is nice to have a warm blanket to cuddle up with to keep the cold Michigan winter out. 

The correct documents

No matter what the weather, you need to have the correct documents in your vehicle. This includes your vehicle registration, your current insurance coverage card, and your driver’s license. 

Sand/salt

If you are out, and it snows while you are at work or in the store, having sand or salt or a combination can help you get the traction you need to be able to get going. Especially if it is icy, the salt can melt the ice. 

A Halo

A Halo can give you a charge if your battery is objecting to the cold; it also can inflate your tire if the cold has caused it to lose pressure.  

Water and snacks

Having water and snacks in your vehicle can be a lifesaver if you are stuck in a traffic jam due to the ugly winter weather.  Make sure you choose snacks that have some shelf life, not fresh fruits or cookies. 

Get Insurance Coverage For Your Needs

Contact Bachmann Insurance Agency in Flushing, MI for all your auto insurance needs. 

Commercial Insurance 101 – An Introduction

In the business realm, managing risk is a primary concern. Whether you run a small entrepreneurial startup or a large existing corporation, unexpected events can interrupt operations and threaten financial stability. According to the Bachmann Insurance Agency in Flushing, MI, commercial insurance is a critical device to assist businesses in protecting themselves against various risks.

What is Commercial Insurance?

Commercial insurance is a specific type of coverage between an insurance company and a business owner. It offers a variety of benefits in exchange for an agreed-upon premium. In other words, commercial insurance serves as the business’s safety net should an unforeseen incident cause a financial disruption or catastrophe.

Note that certain jurisdictions set forth legal insurance requirements specifically for a business’s operation.

Commercial Insurance Types

The most common insurance types include-

Property

This protects your business assets, inventory, and property from unexpected incidents like fire, theft, vandalism, and natural disasters.

Liability

This protects the insured by paying legal expenses and damages should the business be found to be responsible for property damage, bodily injury, or negligence. Specific liability insurance includes-

  • General Liability
  • Professional Liability and Errors/Omissions
  • Product Liability

Commercial Auto

This covers business vehicles, including damages and liability for accidents and physical damage.

Workers’ Compensation

The provides specific benefits (i.e., medical expenses and lost wages, etc.) to employees and reduces the chances of employee lawsuits.

Additionally, businesses may purchase interruption or cyber insurance to protect their business.

We Are Here To Help

Commercial insurance is a critical component of any successful business strategy. By working with an insurance professional at Bachmann Insurance Agency in Flushing, MI, you move confidently forward, ready for unforeseen business challenges. Reach out to us today!

Tips for Mitigating Fire Risks at Home

A fire can be a devastating event. The damage can be immense and often life-disrupting as it impacts both one’s personal belongings and their home. To reduce the risk of fire in your home, the insurance professionals at Bachmann Insurance Agency in Flushing, MI offer these valuable tips:

Fire Mitigation Strategies for Homeowners

With just a bit of effort, you can reduce the risk of fire in your home by:

  • Install smoke alarms (and carbon monoxide detectors).
  • Fire extinguishers should be strategically located and easily accessible.
  • Don’t overload electrical outlets.
  • Clear leaves, debris, and other dry vegetation from around the home.
  • Employ safe cooking practices.
  • Proper maintenance of appliances, heating/air conditioning systems, fireplaces, etc.

What is the Role of Home Insurance in Fire Protection?

Homeowners insurance plays an essential role in fire protection as it offers financial coverage should a fire-related incident occur –

  • Home insurance typically includes coverage for property (personal, dwelling, etc.) damage caused by a fire event – including the cost of repairs or replacing items.
  • If a home is uninhabitable because of a fire, homeowners insurance can help pay for temporary living arrangements until your property has been repaired or rebuilt.
  • If a fire injures someone, liability coverage created by a home insurance policy can help reimburse you for medical bills, legal expenses, and other costs that occur with a liability case.

Note that certain companies may offer premium discounts/incentives for those who proactively choose to reduce the chance of a fire and resulting damage.

Schedule A Consultation Today!

Home insurance can provide vital financial protection against fire and other potential catastrophes. For those living in and around Flushing, MI, contact the licensed professionals at Bachmann Insurance Agency – we are happy to help!

Michigan Health Insurance: Fact vs. Fiction

Considering buying health insurance in Michigan? It is important to separate fact from fiction and to learn the essentials when it comes to getting the best health insurance coverage for you and your family. 

Bachmann Insurance Agency in Flushing, MI can help you choose the best health insurance policy for your needs. 

Facts vs. Myths About Michigan Health Insurance

Myth #1. – Health Insurance is Too Expensive

Many Michiganders go without health insurance because they believe they cannot afford it. 

Fact: A licensed health insurance agent can help you and your family find a suitable health insurance policy to meet your needs and budget.

Myth #2. – Individual Health Insurance Plans Won’t Provide Me with Adequate Coverage

Another reason people opt out of individual health insurance is because they don’t think they will get adequate coverage. 

Fact: Individual health insurance policies in Michigan can include the same coverage as those of large group health insurance plans. 

Experienced health insurance professionals can teach you about the basics of Michigan Health insurance for individuals, groups, and families. A knowledgeable agent can help quell your concerns and protect your health. 

Get Michigan Health Insurance Today

Now that you know health insurance doesn’t have to be as daunting as it seems, the next step is to talk to a licensed insurance agent and get a quote. Knowledgeable insurance agents can help you make the best policy decisions, choose the right add-ons, and even offer options for bundling your health insurance policy with other insurance plans like auto insurance, home insurance, or commercial insurance. 

Contact a licensed insurance agent at Bachmann Insurance Agency in Flushing, MI to get a free quote!

Must Have Auto Insurance Coverage for New Drivers

As a new driver, you’ll appreciate the independence that driving offers in getting you where you want to go. Before taking off in your new car, however, you’ll need to make important decisions concerning auto insurance. Auto insurance is mandatory in Michigan, and the right policy will ensure you have adequate protection on the road. If you live in Flushing, MI or nearby communities, you can turn to Bachmann Insurance Agency for help in obtaining the coverage you need.

Importance of Insurance Coverage

Auto insurance isn’t one-size fits as different drivers have different protection needs. Oftentimes, new drivers are more prone to accidents due to their lack of experience on the road. Poor weather conditions, heavy traffic, lack of driving skills, and even nervousness can lead to an accident, resulting in injury or property damage. The right auto insurance coverage will ensure you’re protected against any eventuality, so you don’t have to pay for damages out of pocket.

Must-Have Auto Coverage for New Drivers

As a new driver, you want to ensure you have adequate coverage to protect you against accidents you may cause.

By law, Michigan requires that all drivers carry the following coverage:

  • minimum liability coverage to cover injuries to others in accidents you cause
  • personal injury protection (PIP) to cover your medical expenses in the event of an accident
  • property protection insurance (PPI) to cover damage to the property of others in accidents you cause

In addition to this coverage, you may want extra protection in the form of collision or comprehensive insurance to protect your vehicle or vehicle assistance in case of breakdowns on the road. We’ll review your coverage options with you and customize your insurance package to suit your unique protection needs.

We Are Here To Help

For quality auto insurance coverage you can trust, contact your Bachmann Insurance Agency agent in Flushing, MI today.  

Understanding Business Interruption Insurance

One of the biggest stress factors of running a business is avoiding financial losses due to unexpected interruptions. Fires, natural disasters, and other unforeseen events can drain a business’ finances, and replacing lost income can harm your monthly or annual profits. Therefore, to protect your business from the unexpected, it’s essential to have business interruption insurance in place.

What is Business Interruption Insurance?

Business interruption insurance encompasses various factors like income coverage, extra expense coverage, contingent business interruption coverage, and civil authority coverage. This financial support enables you to handle temporary relocation expenses, payroll, loan payments, and taxes. Essentially, it’s a safety net during challenging times that minimize the impact on the overall financial stability of your business.

What is the Duration of Business Interruption Insurance?

The duration depends on the terms outlined in your policy although the standard period is set at 30 days, although it can be extended to 360 days through an endorsement. The period is defined as the time from when the incident that forced the interruption to your business. It usually lasts until the damage is repaired and your business is restored to its pre-disaster condition. 

How do I Choose the Right Plan?

Like many things in your business, seeking professional guidance is better than handling the process yourself. You shouldn’t have to learn the ins and outs of commercial insurance to determine a plan. Instead, Bachmann Insurance Agency in Flushing, MI is here to help you with all your commercial insurance needs and help you account for the unexpected. 

Reach Out To Us!

Contact Bachmann Insurance Agency in Flushing, MI today to learn more about business interruption insurance coverage today.