Additional coverage you may want beyond basic auto insurance

The basic auto insurance coverage required by the state of Michigan is known as 50/100/10. This refers to $50,000 for injury to a single person in an accident, $100,000 for all injuries in the accident, and $10,000 for property damage. At Bachmann Insurance Agency in Flushing, MI, we strive to ensure all our customers have the proper auto coverage for their needs.


Collision coverage helps pay for the damage to your vehicle in the event of an accident where you are at fault after a deductible has been paid. If you have a leased vehicle or a car loan, you are required to carry both collision and comprehensive coverage to protect the vehicle.


Comprehensive coverage pertains to damage to your vehicle that is beyond your control. It covers incidents such as flooding, hail, high winds, vandalism, and theft, with a deductible attached.

Gap coverage

If you have a new car with a car loan and the car is totaled, your coverage may not pay as much as you still owe on the loan. Gap coverage fills the difference between what you owe and what you receive.

Rental car

Rental car coverage provides a rental vehicle if your car is damaged or totaled. It only applies to instances when your vehicle is out of service due to damage and does not extend to vacation rentals. It facilitates the availability of a car for a limited number of days.

Full glass

Your comprehensive insurance includes glass coverage but requires you to pay a deductible. However, if you choose full glass coverage, you get a replacement windshield without a deductible. The service can even come to you for a replacement.

If you would like to discuss your insurance needs, call Bachmann Insurance Agency in Flushing, MI, or visit our office.

Do I Need To Update My Commercial Insurance When I Acquire New Assets?

You buy commercial insurance to protect your business against unforeseen events, and your protection should be updated when your business changes. Business growth or decline, relocation, or acquiring new assets require updating your insurance protection. Contact the Bachmann Insurance Agency team serving Flushing, MI, to confirm that your commercial insurance adequately covers your business.

Changing or Acquiring Business Assets

When you acquired your policy, you structured your original commercial insurance plan to protect the value of your business. It reflected the current state of your business and its assets. However, businesses grow, acquiring additional equipment to manufacture products or better serve their customers. Likewise, businesses hire new employees who need extra tools, office equipment, or vehicles. Businesses also move into new quarters or add inventory, so the mix and value of their business assets change, resulting in the need to revise their commercial insurance.

Protecting Your Assets

As a business owner, it is important to review your commercial insurance with your insurance agent at least once per year and whenever you experience a significant change in the value of your assets. After all, if the assets are worth acquiring, they are worth protecting against potential risks.

The meeting should be straightforward, assuming your books reflect your current fixed assets, inventory, vehicles, and facilities. Keeping your commercial insurance plan current will help you sleep at night, knowing your assets have protection against unfortunate events.

Keep Your Commercial Insurance Up to Date with Bachmann Insurance Agency

The Bachmann Insurance Agency team expertly serves the Flushing, MI, personal and business community. We can help you create and update an insurance plan to protect your assets. Call us today at 810-230-1375 to discuss your personal or commercial insurance options.

Overlooked Home Insurance Coverage Features

Understanding Home Insurance in Michigan

While Michigan law doesn’t mandate homeowners to carry home insurance, it is favored by lenders and can significantly enhance your odds of securing financing. Your lender is likely to request evidence of home insurance.

To satisfy this requirement, Bachmann Insurance Agency can guide you beyond the basics and help you assess essential coverage you might otherwise miss. Here’s why home insurance is integral in Michigan:

1. Reflecting on Flood Protection

With a vast floodplain, Michigan homeowners need to be prepared. To assess your flood risk, visit the state’s flood map. Particularly, Flushing, MI bears a higher risk, marking the importance of flood coverage in the home insurance spectrum.

2. Boosting Disaster Protection

While home insurance covers some natural disasters, not all are included. Michigan often battles tornadoes and windstorms more frequently than other states, making it necessary to tailor your policy for such situations.

3. Addressing Sewer Damage

Your standard policy might not specify coverage for damages due to a sump pump or main water line malfunction. Certain situations might necessitate supplementary protection, especially when caused by natural disasters.

4. Safeguarding Personal Assets and Valuables

While your homeowner’s policy might cover the structure and some fixtures, valuable personal property like jewelry, collector’s coins, or precious art might require an added layer of insurance.

5. Considering Other Essential Coverage

Areas like a home office might be considered a commercial space, necessitating a commercial policy for the equipment housed there. Additionally, your home’s liability insurance could cover injuries sustained by someone on your property.

Get in Touch

Get in touch with Bachmann Insurance Agency in Flushing, MI. We are ready to aid you in unraveling the complexities of home insurance.

Women’s Health Insurance Needs

Navigating insurance needs for women in today’s world can be challenging. Here at Bachmann Insurance Agency, serving Flushing, MI, and the surrounding areas, we understand the unique health needs of women and are here to help you understand the insurance coverage necessary for you and your loved ones’ care.

Understanding Your Coverage

As with any insurance, coverage can change from state to state, making it crucial for one to understand the available insurance coverage in their particular area. This is especially true for women’s insurance. There are so many health screens a woman needs to go through during her lifetime, such as regular check-ups, preventive screenings, gynecology screens, and maternity care. With all these health screens, it is essential to understand exactly what one’s insurance policy covers and doesn’t cover. 

Maternity and Reproductive Health

As one can imagine, having the right coverage is crucial when it comes to having a baby. This is a life-changing event for women and having the right insurance plan will help relieve the stress during this exciting time for a woman. Especially if she is going through treatment to have a baby. During this time, our team can help clarify these aspects of your insurance plan, providing peace of mind during these important life stages.

Contact Bachmann Insurance Agency today!

If you’re interested in learning more about women’s health insurance options or need help evaluating your current coverage, we’re here for you. Bachmann Insurance Agency is dedicated to serving the Flushing, MI area, and we’re ready to help you find the right insurance solutions for your health and well-being. Contact us today to start the conversation and take the first step toward peace of mind in your healthcare coverage.

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. 


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-


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


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!