Do I Need Home Insurance If I Don’t Have A Mortgage?

If you take out a mortgage to purchase a home in Flushing, MI, your lender will almost certainly require you to purchase homeowners insurance. But what happens when you’ve paid off the loan? Do you have to maintain your coverage? 

Homeowners insurance is not intended to be a means for a mortgage lender to charge you additional money. It’s an essential piece of insurance that will cover your home, valuables, and overall financial security from a plethora of damage hazards and other obligations. That is why you must keep coverage even after you have paid off your mortgage.

Here at Bachmann Insurance Agency, we’re more than happy to help answer your question. Here are a few reasons why a home without a mortgage still needs to be insured. 

Mortgage-Free Homes Are Still Valuable 

Just because you don’t have a mortgage doesn’t mean your property isn’t still a valuable investment. After all, you’ve spent years paying off the mortgage, maintaining it, and improving it, and you want to be ready to repair or rebuild your house in the event of a catastrophe. You may not have the resources to do so if you do not have homeowners insurance. 

Damage can still be costly. 

Home insurance can assist any owner in receiving financial support for the costs of a variety of devastating occurrences like fires, bad weather, or vandalism. As a result, if a major windstorm damages your roof and siding, your home insurance can pay for the necessary damage rather than leaving you to deal with it all on your own. 

Home Insurance Is About More Than Just Damage 

Finally, home insurance is more than just coverage for the value of your property. It can protect against a range of additional cost issues by providing various other benefits: 

Possession coverage insures your possessions in your house in the event of loss or damage.

Living expenses coverage will assist you with paying for food, hotel, or other bills that may emerge as a result of an injury that compels you to temporarily relocate from your home.

Liability insurance protects you and your family if you cause property damage or injury to someone who does not reside with you. As an example, if you hit a baseball through a neighbor’s window and into their china cabinet, this coverage may assist you in recouping your damages. 

Reach Out To Us!

If you have any questions about home insurance in the greater Flushing, MI region, contact us at Bachmann Insurance Agency today to figure out a home insurance policy that meets your needs as a homeowner. We’re here to help however possible and are ready to create your quote today!

3 Tips to Get the Most Out of Your Health Insurance Plan

You want to protect your and your family’s health and well-being. So you’re looking for health insurance that will protect you against major financial losses caused by a covered medical event. Residents of Flushing, MI can turn to Bachmann Insurance Agency for assistance in locating the best health insurance options.

Here are a few tips to help you get the most out of your coverage:

Conduct Policy Reviews on a Regular Basis

You may believe you understand your coverage, but policies can change. Make an appointment with your insurance agent for an annual policy review to ensure you understand what is covered. This way, you’ll know exactly what your insurance covers in the event of a medical or health emergency.

Take Advantage of Preventive Care

Even high-deductible policies typically cover preventive care screenings. This means you won’t have to pay for screenings like blood pressure, diabetes, and cholesterol checks out of pocket. To protect your health, these policies typically include flu shots and breast cancer screenings.

Keep An Eye Out For Perks

Some policies include benefits. Check with your insurer to see if you can get discounts at your local gym, for example. You may also be eligible for discounts on unnecessary procedures that improve your quality of life. Massages and LASIK surgery are examples of this. Talk to your Bachmann Insurance Agency agent today to ask about any potential perks.

Give Us A Call

Bachmann Insurance Agency in Flushing, MI has agents who can discuss all your health insurance needs and help you find the policy that best fits your needs. Contact us today to find out which policy is right for you.

How to prepare your car for winter

As winter approaches here in the Flushing, MI area, it’s important to make sure your car is in top shape, so you’re prepared for the colder weather. Bachmann Insurance Agency is happy to assist.

Here are a few tips from us on how to get your car ready for winter:

1. Check the battery:

Cold weather can affect the performance of your car battery, so make sure to test it ahead of time. If you find that it’s low on power or needs to be replaced, do so as soon as possible. 

2. Replace windshield wipers:

Replace old and worn-out windshield wipers with winter-grade ones; they will work better under cold temperatures and remain flexible enough to perform their job properly. 

3. Change oil:

Have your oil changed before winter comes around; this will help keep the engine running smoothly during the cold months ahead and reduce wear and tear on the engine. 

4. Check tire pressure:

Make sure that all your tires are inflated correctly according to their manufacturer’s recommendations – lower pressures in cold weather can cause you to lose traction while driving on icy roads. 

5. Winterize other fluids:

Also check other fluids such as brake fluid, coolant, power steering fluid, etc., and replace them if necessary.  

Get Auto Insurance Today

All these steps will help prepare your car for winter and ensure that you stay safe when driving during this season! For more tips, or if you have any questions about your auto insurance policy, give us at Bachmann Insurance Agency a call today. We proudly serve the Flushing, MI area and would be happy to help you find a policy that meets your needs and your budget.

What is a BOP?

Business owners who live in Flushing, MI are not required to have commercial insurance except for worker’s compensation coverage, paying for laborer injuries, lost wages, and alternate job training when they are hurt at work. 

Nevertheless, business insurance is an indemnification that many entrepreneurs choose to buy for the benefits it confers, in addition to protecting businesses from significant financial loss. 

What is a BOP?

A BOP, or business owner’s policy, is a group of insurance products that are bundled together for the convenience of customers. Depending on the line of work you are in, there are often perils that most frequently occur within your industry. The function of the BOP is to streamline these services, and your Bachmann Insurance Agency representative can go over the details of your situation. 

If you own your own building, it’s important to insure the contents of the edifice, as you may be housing raw materials that are needed for your offering. In addition, the equipment you depend on to create an income can be destroyed if, for example, your warehouse were to go up in flames or be subject to an electrical surge.

You may also have more than one location to insure, and you have the option for business interruption coverage that helps provide income in the interim between the disaster and recovery. 

The general liability portion of this combined coverage will typically indemnify you in scenarios where you’re found responsible for damaging someone else’s property or injuring someone. Additionally, if your advertising causes harm, it can help provide redress. 

Bachmann Insurance Agency Provides Insurance Solutions

We help create insurance packages to meet every criterion for your life situation, and we are available to speak more in-depth with you online, by phone, or in the office. We serve those living in and around Flushing, MI. 

How to prepare your home for a storm

Bachmann Insurance Agency specializes in home insurance and has assisted the great Flushing, MI community with their insurance needs over the years. Our clients often reach out to us asking for general tips or related queries, especially before or during adverse weather conditions. When a storm is headed your way, it’s important to take the necessary precautions to protect your home.

Here are five tips to help you get ready for a storm:

1. Insulation

Make sure your home is well-insulated to keep the cold out. This will help prevent drafts and leaks, which can allow rain and snow into your home during a storm.

2. Storm windows and doors

Install storm windows and doors to further protect your home from strong winds and heavy rains. These will help keep the elements out while letting fresh air in, helping to regulate the temperature inside your house during a storm.

3. Trim back the trees

Trim trees and shrubs around your house, so they don’t fall on it during a storm. Falling branches or even entire trees can cause serious damage to your property, so it’s important to take this step well before any storms are expected in your area.

4. Buy a generator

Get a generator in case you lose power during a storm. This will allow you to continue using important appliances like the refrigerator and lights, so you can stay comfortable and safe even if the electricity goes out during a big storm.

5. Fill your pantry

Stock up on food, water, and other supplies that you may need in case of an emergency. This will help ensure that you’re prepared for any unforeseen events that might occur as a result of the storm.

Get Insurance Coverage For Your Home

If you have any questions about how to protect your home, give us at Bachmann Insurance Agency a call today. We can help you get or update your home insurance so you can better protect your home. We proudly serve the Flushing, MI area. 

Health Insurance Provides Affordable Care – Don’t Be Without It!

We all know that accidents or illnesses can befall anyone, at any time, at any age. Make sure you have the health insurance protection you need to help with the expenses of such an event. The professionals at Bachmann Insurance Agency, serving the Flushing, MI area, can provide you with a quote for this important protection.

Here is a list of the services that are typically covered by a health insurance policy:

  • Behavioral health treatment
  • Chronic disease management
  • Emergency services
  • Inpatient hospitalization
  • Laboratory services
  • Maternity and newborn care
  • Mental health and substance abuse disorders
  • Outpatient ambulatory services
  • Pediatric services
  • Prescription drugs
  • Preventive and wellness services
  • Rehabilitative services

Health insurance protects you from unexpected medical costs that can arise at any time. Did you know that a broken leg can cost as much as $20,000 to treat? If you have a policy with a $1,000 deductible, you will pay that amount and the insurance plan will pay the other $19,000.

The cost of cancer treatments or other serious diseases can destroy your finances. Why allow that to happen? Health insurance can protect you from financial devastation.

Get Coverage For Your Health Today

Think of health insurance the same way you think of automobile or homeowners insurance. It offers financial protection in the event that some catastrophic event happens. While you will have a deductible to pay, health insurance makes it easier to pay for the portion of the bill you are responsible for, while enabling you to get the care you need.

Experts agree that health insurance is one of the most important coverages you can purchase. Don’t let mounting medical expenses ruin your financial future. Purchase health insurance today. Let the professionals at Bachmann Insurance Agency in Flushing, MI answer any questions you may have to get you started. Contact us today. We will be glad to help. 

What is the benefit of having an auto insurance plan in Michigan?

If you are in the Flushing, MI area, it will be very important that you own a car. When you are looking for a new or used vehicle here, you also need to get the right insurance for it. A quality auto insurance policy will provide you with various benefits that will make it well worth the investment. 

Why Auto Insurance?

Comply with Law

One of the reasons that you will want to have an auto plan when in this state is so you can comply with state law. Anyone that wants to drive a car in Michigan will be required to carry auto insurance. At a minimum, you need to have liability coverage, which ensures you will be able to pay for damages if you cause an accident. Without this insurance, you could face penalties.

Protect Your Vehicle

it is also important to have an auto insurance plan to ensure you are able to protect your vehicle. If you are going to purchase a car, you will want to know that it is covered. With auto insurance, you will have support if your car is damaged in an accident or stolen. A full comprehensive plan with this coverage tends to also be required if you have taken out an auto loan. 

Give Us A Call

As you are looking for ways to protect yourself and your vehicle in the Flushing, MI area, getting a quality auto policy is a good idea. There are many choices to make when looking for coverage, so speaking with someone experienced is important. The professionals with the Bachmann Insurance Agency can help you build your next auto plan. Bachmann Insurance Agency is able to do this by carefully assessing your situation to help you build a plan that meets your needs. 

Understanding managed health care

One of the most stressful times of the year is when you have to choose your health insurance for the year. There are many reasons why last year’s choice isn’t going to be automatically renewed and all of them can cause tension. At Bachmann Insurance Agency in Flushing, MI we try to help our customers to make this important decision by providing them with the information that they need to make the correct choice. 

What is managed care?

Managed care is a way that healthcare is provided for individuals that are designed to manage cost and quality of care. An MCO (managed care organization) is in charge of negotiating with providers to determine the fee schedule for medical care procedures. Patients have varying degrees of flexibility when it comes to their own care.  


An HMO is a Health Maintenance Organization and is usually the most economical type of managed care, but is also the most restrictive. You must see providers on the network except in the event of an emergency if you want the care to be paid for. You need to have a PCP (Primary Care Physician) who is in charge of your care. Not only that, you need to get a referral from your PCP before seeing a specialist or getting tests done. 


A PPO is a Preferred Provider Organization that is the least restrictive of the managed health care plans. You don’t need a PCP and you don’t need a referral to see a specialist. You will pay more to visit a provider outside the network and your premium will be higher. 


A POS is a Point of Service and is a combination of an HMO and a PPO. You have the flexibility of the PPO and the necessity of a PCP like an HMO. 

Give Us A Call

Contact Bachmann Insurance Agency in Flushing, MI when it is time to look for health insurance. 

Auto Insurance FAQs

Auto insurance is a requirement if you have a car loan or are leasing and, in the state of Michigan, you must at least carry liability insurance. At Bachmann Insurance Agency in Flushing, MI, we make sure that all of our customers are in compliance with the state laws and also that they have the right insurance for their vehicle and their situation. 

Auto Insurance FAQs

What does comprehensive insurance cover?

Comprehensive insurance is called non-collision coverage. It covers a lot of different types of things that could damage your vehicle, including theft and vandalism. Weather issues such as strong winds, floods, hail, and lightning are covered by comprehensive coverage. It also covers for damage from a fire or a large animal like a deer hitting your vehicle. 

What are the Michigan auto insurance requirements?

Basic auto insurance in Michigan is 20/40/10. It is liability coverage. It translates to $20,000 for the first person hurt in an accident with a total of $40,000 for two or more people injured. That leaves $10,000 for damage to property. 

Does my auto insurance cover me or my vehicle? 

Auto insurance covers the vehicle. So, if you allow someone to drive your vehicle, they are covered by your insurance. If you drive someone else’s vehicle, their insurance covers you. 

Can adult children remain on the family policy?

If your adult child still lives at home, it is not a problem for them to stay on the family policy. If you have an adult child who is away at college and they have not changed their permanent address or is driving a family vehicle, it is fine to remain on the policy. Always check with your insurance agent to make sure. Some insurance companies have different rules about who can be on your policy. 

Give Us A Call

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

5 Questions to Ask Your Broker Before Buying Commercial Insurance

As a business owner, having the right insurance coverage in place is important as it’s the only way you can protect your company from potential risks. But with so many different policy options available, it can be tricky to know where to start. That’s where a broker comes in. A broker is an insurance professional who can help you assess your needs and find the right policy for your business. But not all brokers are created equal.

To ensure you’re getting the best possible service, it’s important to ask your broker a few key questions before buying commercial insurance. Bachmann Insurance Agency provides this guide on navigating this important coverage.

Here are five to help you get started

1. What Experience Do You Have with Businesses Like Mine?

This is one of the most important questions you can ask your broker. You want to make sure they have a good understanding of the unique risks faced by businesses in your industry. Otherwise, they might not be able to find the right policy for your needs.

2. What Coverages Do You Recommend for My Business?

Once your broker has a good understanding of your business, they should be able to recommend the coverage that will best protect it. They should also be able to explain why each coverage is important and how it would work in the event of a claim. Remember, commercial insurance is not a one-size-fits-all proposition. The coverage you need will depend on the specific risks faced by your business.

3. Can You Provide a Written Quote?

Your broker should be able to provide you with a written quote for the insurance policy they recommend. This quote should include all of the coverage, deductibles, and limits you’ve agreed to. It’s also a good idea to ask for a few different quotes from different brokers so you can compare your options.

4. What Happens if I Need to Make a Claim?

No one likes to think about making a claim, but it’s important to know what the process would be in the event that you need to use your insurance. Your broker should be able to walk you through the steps you would need to take to file a claim and get the coverage you’re entitled to.

5. Do You Have Any Other Recommendations for Protecting My Business?

Insurance is just one way to protect your business from risks. Your broker may also have other recommendations, such as implementing safety protocols or investing in risk management software. Whatever their suggestions may be, it’s important to consider them carefully. After all, your business is your livelihood. It’s worth taking the time to make sure it’s properly protected.

Need Commercial Insurance in Flushing, MI?

Regardless of what type of business you operate in Flushing MI, Bachmann Insurance Agency can help you find the right commercial insurance policy to protect your company. We have years of experience working with businesses of all types and sizes, so we know how to tailor a policy to meet your specific needs. To learn more about our commercial insurance offerings or to get a free quote, contact us today. We’re always happy to help.